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

I received a text about fraudulent charges and called the phone number in the text. The person who answered did not seem legitimate and even asked for another of my credit card numbers to verify my identity. At that point I hung up and called the number on the back of my credit card and the woman I spoke with said there were no fraudulent charges. Later that night I received a phone call from a different man who claimed to be from Bank of America 's fraud department. We spent 2-3 hours on the phone, and it seemed to be resolved but I received an email the next day about more fraudulent charges. I called again and spoke with a woman who was able to verify the conversation I had the night before but noticed that my card not been cancelled yet and she was unsure why. She cancelled it and started the Bank of America Fraud claim. I received a letter a month later saying the claim was denied because the charges were made on one of my approved electronic devices. Impossible. Was not me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there is still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few account on my report. According to FCRA section 605b, the credit bureau is obliged to block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Checking or savings account

I opened a checking account with XXXX XXXXXXXX XXXX ( acquired by Capitalone in XXXX ) which was closed in XXXX. I recently contacted the bank to request bank statements for the year XXXX as I had have very important information that matter to me to check my transactions and all the wiring in and out money to my bank account. One of the managers I spoke to confirmed through an email that the available statements they have of my account is from XXXX onwards and she made a request for the concerned department to mail them to me. After 10 days, I received the statements from only XXXX. I called again and left a complaint that this isnt the statements I requested, they said we dont provide clients statements dated longer than 7 years. I politely told them that not providing me with those statements will cause me a huge loss as it is the only proof I would have that to settle my accounts payable and receivable. I have been trying for three months now with no success. I just want those statements from my account to be sent to me even if it has to be a paid service.
Product: Payday loan, title loan, or personal loan

I visited the site, but I do not have a loan with OppLoans. Yet, I received correspondence about a payment coming forth on XX/XX/2021. When I attempted to call and question the matter, the line is always busy.
Product: Credit reporting or other personal consumer reports

I have continuously disputed the following accounts which occurred due to the XXXX XXXX XXXX. XXXXXXXX XXXX ( not mine/identity theft ), ( XXXX XXXX ( not mine/identity theft ), XXXXXXXX XXXX  ( not mine/identity theft XXXX XXXX XXXX XXXX ( not mine/identity theft ), there are numerous inquiries which I disputed repeatedly and they remain on my credit file. I supplied the FTC Identity Theft Affidavit, Police Report and verified my identity multiple time over three years. XXXX still will not properly investigate the matter and remove the inaccurate negative accounts which occurred due to the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$2500.00} Closed 1 potentially negative month Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Unsecured Loan This account is no obligation of mines 15 usc violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent. This Constitute identity theft by Experian 18 usc 1028 According to the FCRA Identity theft occurs when someone uses your name, Social Security Number, date of birth, or other identifying information, without authority, to commit fraud.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : ( XXXX XXXX, XXXX ). I have attached a copy of my ID and my FTC report. ( Please see attachments ).
Product: Consumer Loan

On XXXX XXXX I paid off my wife car over the telephone with Capital one auto finance and they ACH the payment from my bank account. 4 months later I was checking my credit history on my capital one phone app and it showed me owing a balance {$270.00} I immediately contacted capital one cutover service and after 3 hours of them hanging up the phone on me I finally was able to reach XXXX ID # XXXX and he was the only one who showed me respect and was sincere in trying to help me. He gave me his extension number of XXXX he also connected to the president hotline and I talked with XXXX ID # XXXX and she said they would look into it and contact me back before XXXX and she did. She told me that a supervisor listen to the recording of my payoff from XXXX and that I was XXXX correct and the issue would be handle ASAP and the negative remarks would be removed from my credit report and that I would not owe anymore money for my car since I paid it off in XXXX. I asked why was I never notified and it took me calling four months later and she could not answer that question. I also asked if I would receive my title she said yes. Today I received and letter from capital one auto finance that said notice of strict enforcement of contract rights defending {$270.00} from me or my car will be repossess. I think this serious abuse of Captial one trying to bully me and it 's not fair. Please look into this matter for me. 

Sincerely XXXX XXXX
Product: Debt collection

I received a letter from Exeter Finance, LLC dated XX/XX/2024 stating that they have sold my information to a third party, XXXX XXXX XXXX XXXX XXXX. This is a direct violation of my right to privacy as I did not consent to have my personal and private information shared with anyone. First, the definition of a financial institution is ANY institution the business of which is engaging in financial activities, so before this is negated and based on this definition, Exeter does in fact classify as a financial institution ( hence Exeter FINANCE ). Pursuant to 15 USC 6802 ( b ), financial institutions shall not disclose nonpublic personal information to a nonaffiliated third party unless the financial institution clearly and conspicuously discloses to the consumer that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Unfortunately I was never given the opportunity to state whether or not I want my information given to a nonaffiliated third party, nor was I told how I can exercise that right. Pursuant to 15 USC 6803 ( a ), financial institutions shall provide an annual privacy policy disclosure, however I have not received a disclosure from Exeter Finance whatsoever. If the account has just now been sent elsewhere, then I have should have been receiving annual disclosures pertaining to their Privacy Policy while the account was opened. Not to mention, this third party that now has my information doesn't even have a website. How can anyone determine whether or not this is a legit business?? XXXX XXXX XXXX has no legitimate business need to even have my information. Exeter Finance has blatantly deprived me of my natural rights which is a crime pursuant to 18 USC 242.
Product: Student loan

To Whom It May Concern, I am on an IDR plan ( REPAYE ) for my federal loans. I was with Great Lakes before COVID pause, then with XXXX XXXX, and now with MOHELA ( account number XXXX ). My loans was transferred from XXXX to MOHELA in XXXX. 
When I was with XXXX, I received emails instructing me to recertify my income in order to continue being on IDR plan although no income recertification was required during COVID forbearance period. Following misinformation by XXXX, I recertified my income on XX/XX/XXXX and the recertification was approved on XX/XX/XXXX. The recertification resulted in much higher payment compared to my payment right before COVID forbearance in XX/XX/XXXX. 
It is due to XXXX 's misinformation that I am now punished for trying to follow my loan servicer. I should had had the same benefits as everyone else because we were not required to recertify income during COVID forbearance. 
I have tried to have this fixed by calling MOHELA and but the conversations have not been fruitful. They told me they could not undo the recertification even though from researching online and discussing with others who were in the same situation, they were able to get their recertification undone. 
Attached documents include : 1. My recertification application on XX/XX/XXXX XXXX. Proof of my monthly payment with XXXX XXXX right before COVID forbearance ( the last email for monthly payment due on XX/XX/XXXX ) 3. My recertification receipt on XX/XX/XXXX ( when I was falsely asked by XXXX to recertify despite being on COVID forbearance )
Product: Checking or savings account

Bank of America froze the checking account my wife and I co-owned without notification, which caused multiple automatic payments being rejected and we had to pay unexpected interest charges to credit card companies. They also closed my wife 's credit card account without refunding the remaining credit on it. 

When we contacted the back to unfreeze the checking account, we were told that it was frozen because my wife did not reply to their mail asking for verification of personal information. We vaguely recall receiving a letter from the bank, but we suspected that it was scam and did not reply, because : XXXX ) It has a form asking for sensitive identification information, including the social security number. XXXX ) The return address did not match their usual corporate address. XXXX ) Online search results showed that there have been similar scam activities. There was no attempt from the bank to inform us that the accounts were frozen or closed. No emails and no phone call. 

After spending half an hour on the phone the checking account was unfrozen, but at this time, my wife 's credit account is still closed. We have yet to waste more time to get it reopened by calling another department. 

But that is not all. What upsets us more is what we found out later. A web search found this article published a few years ago on XXXX XXXX, titled " Hes been studying in the U.S. legally for XXXX  years. Bank of America froze his account anyway ''. Link below : XXXX XXXX XXXXXXXX It described a remarkably similar situation to what we've just encountered, in which Bank of America appeared to unlawfully and unfairly discriminating permanent residents who are citizens of another country. Apparently their practice is continuing despite the public backlash. 

After being a loyal customer of Bank of America for many years, we feel that this kind of treatment is completely unacceptable.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XXXX and XX/XX/XXXX, I mailed my payments well in advance, but due to delays with the postal service, the payments arrived late. This delay was beyond my control, and the payments should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the 15-day grace period : Despite the postal delay, my payments for XXXX and XX/XX/XXXX were received and processed within XXXXXXXX XXXX 15-day grace period. As such, this account should not have been reported as 30 days late. 
XXXX Already Removed the Account : After reviewing my dispute, XXXX has already removed the account from my credit report, acknowledging that the late payment was reported in error. This further confirms that the information reported by XXXX and Experian is inaccurate. I have attached a copy of my XXXX report showing that the account has been removed. 


Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

I also request that the inaccurate late payments entry for XXXX and XX/XX/XXXX be removed from my credit report immediately, as XXXX has already removed it. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3600.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$5900.00} XXXX XXXX  XXXX  XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3.00} XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$17000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the XXXX data breach. The account does not belong to me and I have no knowledge of this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Facts matter, 2. Payments made, no matter how " early '', deduct from the balance, and, eliminate a scheduled payment ; unless otherwise noted [ ie : extra principal only '', etc ], a. those early payments are also and should also be included in whatever method used by that credit reporting agency to generate or calculate their assigned " FICO Score '', b. I have three monthly accounts that I pay ( approximately {$2000.00} ) all are XXXX ( XXXX ) months in advance [ ie : by XX/XX/XXXX all had already been paid for both XXXX and XX/XX/2022 are already paid on all three ( XXXX ) accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] and have been for nearly XXXX ( XXXX ) months now, c. None of those accounts were/are accurate as it relates to my Credit Report also the payments made/received and therefor the balance due, save XXXX XXXX  has finally began generating timely accurate payment coupons { but their issues deepen }, or deliver payment demands that accurately reflect that next payment due in a Reasonable Timely Manner, 3. Therefor the Final Product { ie : an analysis of my Creditworthiness } is not and can not be accurate [ I contend the same to be true for all three Credit Reporting Agency ( s ) ] or relied upon, 4. Moreover the assertions contained within my electronic data that caused XXXX XXXX to issue a Notice of Adverse Action was now in hindsight based up not only wrong data but also simple poor math and misunderstanding what it means to be a XXXX Veteran as it relates to the Debt-to-Income ratio as most lenders know that XXXX XXXX receive more of their monthly allotment because there aren't those levy ( s ) on " earned income '' These two issues need to be addressed but most certainly the idea that the reporting entities can or have even asserted that those gathering the information " do not allow the recording of early payments ''. Maybe a better understanding of Veteran and XXXX compensation would help not only lenders but Credit Reporting Agencies facts on which they can rely as opposed to painting all " income '' with one brush.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent and inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so that I may review to see if this is actually an account that belongs to me. 15 usc 1681 ( a ) if you can not provide proof that these accounts are 100 % right and correct these accounts must be deleted. Please delete these accounts immediately. # XXXX and # XXXX as they do not belong to me! Thank you
Product: Credit reporting or other personal consumer reports

My credit report contains some billing errors, including late payments that aren't consistent with my payment record. Please amend these errors and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX  XXXX  - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to you regarding my recent review of my credit report obtained from your bureau. Upon careful examination, I noticed that there are late payments reported on my account. I have taken proactive measures to address and rectify any late payments, and I am pleased to inform you that other credit bureaus have already removed the late payments from their reports. I would like to understand the reason behind the discrepancy in reporting between your bureau and others. 

XXXX XXXXXXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX XXXX customer service representative. XXXX have already corrected this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

To provide additional context, I have attached relevant documentation, including proof of payments and any correspondence with the creditor in question. I believe that there may be an error or oversight that has led to the discrepancy in reporting. 

I kindly request that you investigate this matter thoroughly and, if appropriate, update my credit report to accurately reflect the current status of my accounts. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter.