23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Nine fraudulent accounts have been opened through Capital One under my name, my wife 's name or under our address in the last 6 months. Capital one is impotent in the there ability to defend against fraudulent accounts through their online sign up. 
We are not customers of Capital one and they continue to send credit card offers through the mail to us. We block all credit card and bank offers through the XXXX opt out. Based on the opt out, we are being harassed by capital one. I need to know my options for taking this to the next level? Do I file a lawsuit? Nothing seems to prevent these idiots from allowing yet another account under our names. Please help...
Product: Credit card or prepaid card

this is in reference to my everyday card. i id not know so please dont say disclosures were sent that you would be travel fees. when i book a trip i dont want or need these. this is bogus. please reverse all and remove feature that allows the card to be billed when a trip is booked. what a joke. please dont tell me i was told what 20 years ago? never use d it for this so did not know please refund XXXX dollars of charges. asap i am not wasting my time calling i did not kow or authorize or need.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

On XX/XX/XXXX I checked my emails as I normally do each morning. At this time I read an alert from my credit monitoring service and was advised of a collection being placed at the credit reporting agencies by Diversified Consultants ( This may be the 2nd/3rd time I've reported this same agency to your bureau during the past 11 yrs ). This was in reference to a {$240.00} unpaid bill allegedly owed to XXXX XXXX in XXXX. That said, I've had this same item removed from my credit report on 3 different occasions during the past 11 yrs. Also, I'd received no correspondence from Diversified services nor XXXX XXXX  relating to this most recent attempt to collect this alleged debt prior to it being placed on my report. It mysteriously appeared out of nowhere. Placed a call to Diversified and was transferred to 3/4 different departments and voiced my displeasure of the tactic used by their company and was advised that they would " Make notes " of my complaint. In closing, I would like your assistance with having this unwarranted/derogatory remark removed from each credit reporting agency in which it was submitted. Thanking you in advance for your prompt and professional handling of this matter. 
Respectfully,
Product: Vehicle loan or lease

I contacted Ally on Friday XX/XX/XXXX after falling behind on payments due to being out of work for a short period of time due to an illness. I chated with a representative after logging into my account regarding my opitions to ensure I protect my credit and bring my account current. 

She advised me that before an extenstion could be done, I had to make a payment in the amount of {$270.00}. I reviewed my finances, as I am playing catch up on all my bills and made this payment on Monday XX/XX/XXXX. This rep advised me, once this payment posts to my account to contact Ally back for an extention or to have a payment deffered to the end of my loan. 

With this in mind, I contacted Ally again today and chatted with XXXX. I explained all of the above and the information I was provided when I chatted with the rep last week. She asked several questions and advised me that a one or two month  extension/deffered payment could be done however partial payment is needed! WHAT? She advised me {$230.00} or there abouts would be due within 10 days from me accepting the agreement and then the remaining bal of {$150.00} or there abouts would be due in XX/XX/XXXX. In XX/XX/XXXX, my payments of {$380.00} per month would resume. 

If this was the case, I SHOULD HAVE JUST BEEN OFFERED THIS WHEN I JUST MADE MY PAYMENT so that I could catch up on my bills. 

This company was working with XXXX in New Jersey which has since closed most likely due to illegal practices, they changed my loan company to this company after I had signed paperwork for another, kill you with interest rates and has NEVER once considered refiancing my vechile for a lower interest rate ( due to the age of the vechile other companies will not take it ) and THEY DO NOT WORK WITH YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX Florida is reporting inaccurate data on all three ( 3 ) credit bureaus. At the inception of my contract I purchased a vehicles that needed repair. XXXX had the company make some repairs, but the horn, spare tire, gas tank and radiator was never repaired which later led to major repairs totaling over an additional {$5000.00}. The original loan amount was {$8500.00} XXXX of XXXX Florida did an additional loan totaling XXXX therefore, giving me two loans with the company. After the last repair XXXX of XXXX Florida sent a mechanic out to evaluate the car and they told me they were going to junk the car and give me another car of equal value. I waited for the new car never received it instead I started getting calls talking about repossessing the car. I sold the car to XXXX XXXX when the car was in the shop she never received the car and it is being reported on her credit report as well. I called the headquarters and was told to speak with the XXXX XXXX office XXXX kept hanging up the phone on me and having a Sheriff office calling threatening me. The lending practices should be investigated.
Product: Money transfer, virtual currency, or money service

I am trying to send a wire from Chase bank to a bank in XXXX. I need to send {$14000.00} that converts to {$20000.00} I did the currency exchange with the bank representative and when we tried sending the correct amount in XXXX, we needed a total of {$15000.00} NOT {$14000.00}! Chase is making over {$400.00} on their conversion XXXX bank fee 's. I have called everyone and no one will help. This is CRAZY, Fraudulent and complete XXXX. I am eager to look for more individuals and start a class action suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into Navy Federal on XX/XX/XXXX to pay my balance in full on my credit card ending in XXXX because the due date is XX/XX/XXXX and I wanted the card to report paid in full to have a positive impact on my score. The representative informed me if I did so it would be because it would report on the due date and Federal Trade Commission would be closed over the weekend and holiday so any transactions over the weekend would be reported and have an effect so I did and we made the adjustments to do so. I paid up the {$1000.00} balance and some to cover any over flow that was pending at the time. Over the weekend I use the card as I was advised doing so would not have an adverse affect because I clearly wanted to know on what day to pay on to and Navy Federal Credit Union would report my card to the credit bureau so I know on that day I could pay and the union would report as such. Well was misinformed or the credit union for what I see has clearly reported false information to the bureau because the balance was XXXX with a credit when I paid on that day. XX/XX/XXXX when I pulled my credit report Navy Federal Credit Union showed a balance update on XX/XX/2021 of {$300.00} and has refused to correct ever since and allow me to speak with the Vice President regarding to make the change.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the repeated issues I have encountered with the delayed correction of my payment records on my credit report. Despite my previous attempts to resolve these matters, I have faced ongoing difficulties which have not been satisfactorily addressed. I have submitted corrections for delayed payments on multiple occasions. Despite assurances from your team, these corrections have not been reflected in my credit report in a timely manner. This delay has adversely affected my credit score and my ability to obtain credit on favorable terms. Under the Fair Credit Reporting Act ( FCRA ), the Credit Bureuas are obligated to ensure the accuracy of the information you report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. Please help me correct the late open accounts immediately : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5900.00} ; XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2500.00} ; XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$360000.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

THIS COMPANY LABEL THIS ACCOUNT AS CLOSED AND THIS ACCOUNT WAS WRITTEN OFF/CHARGE OFF WHICH IS ILLEGAL TO DO SO
Product: Credit card

In approximately XXXX during the credit financial crises the credit card companies greatly increased their APR rates. Card holders were given the choice of accepting the higher rate and keep the account open or to opt out of the higher rate and keep the original lower rate that would be fixed for the remainder of the balance owed and the account would be closed with no further credit allowed on that account. I opted out and had a fixed rate of 5.99 % on the balance owed and the account was closed to further credit. I was charged the rate of 5.99 % on the balance owed until XXXX XXXX. In XXXX XXXX the rate was bumped up to 6.24 % which I have been paying ever since. I called CITI Cards to find out why this higher rate is being applied to my balance as it is supposed to be fixed at 5.99 % for the remainder of the balance owed. Their statement was it was not their doing, but because the Federal Government raised the prime rate 1.25 % and this has to be passed on to the consumer. I called the CFPB and was told there was no such record of that happening or any reason for the card company to raise the rate that was supposed to be fixed on old balances. I would like to know if it is legal for CITI Card to raise the interest rate on an old balance from an account they closed in XXXX with the agreement that the balance of the amount owed would be charged at 5.99 % fixed when the card holder opted out of the higher rate out back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim of several data breaches resulting in possible identity theft The latest being XXXX XXXX XXXX The item I have identified and highlighted on my credit report or not are in error Do not relate to any account or transactions that I have made or have applied for several inquiries have occurred as well All have which have hurt my credit score I value Please block remove update or delete this information pursuant to section 605 B and 15 code section 1681 once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion to be determined
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report as I was assessing my credit report there was inaccurate and unauthorized use of my credit. I want these accounts to be investigated and removed immediately from credit report as they violate my consumer rights. 
Hard inquires XXXX XXXX XXXX XXXXXXXX XXXX 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. 

Account name : SXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX Acct # XXXX Account name : XXXX  acct # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX # XXXX 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.

You may have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt.
Product: Credit reporting or other personal consumer reports

I never opened an acct with XXXX XXXX however there are XXXX accounts on my credit report one reporting a XXXX balance that is not mine! Please get these removed as they are not mine I have emailed a million times with XXXX with no resolution!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter XX/XX/XXXX to the Credit Bureau about inaccurate information regarding a 2 XXXX XXXX charged off account with inaccurate balances they responded stating I was not specific with my dispute. XXXX XXXX account XXXX XXXX this is a charged off account which has an inaccurate balance amount also with a past due amount listed has also inaccurate Date of First Delinquency, Date of Last Payment and Payment History please delete this account as it has inaccurate information Tracking # XXXX I also followed up with another letter for my dispute Tracking # XXXX XX/XX/XXXX Also the 3 credit bureau have different account numbers nothing matches I need these items to be removed asap none of the information the credit bureaus match
Product: Credit reporting 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 consumer reporting agency can not furnish an 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 the information is inaccurate.
Product: Debt collection

I am a victim of identity theft, as clearly documented by my official FTC Identity Theft Report ( FTC Report Number : XXXX ). Despite having informed Portfolio Recovery Associates of my documented situation, they continue to improperly demand notarized proof of identity theft. This request is not supported by the Fair Credit Reporting Act ( FCRA ), which does not require such proof when an identity theft report has been filed. Additionally, Portfolio Recovery Associates continues to report the disputed debt to credit bureaus. This debt is associated with a XXXX XXXX account, allegedly opened under my name with XXXX Bank, with a balance of {$XXXX}, which I never authorized nor recognized. This reporting not only violates my rights under Sections 605B and 609 ( e ) of the FCRA, which mandate the blocking of fraudulent information and the provision of documents related to fraudulent transactions without necessitating additional proof of identity theft, but also continues to harm my credit standing inappropriately.

I have actively engaged with both the credit bureaus and Portfolio Recovery Associates to dispute the fraudulent claims, providing them with all necessary documentation, including the FTC Identity Theft Report. Despite my efforts, Portfolio Recovery Associates has not ceased their collection attempts nor removed the fraudulent account from my credit records.
Product: Mortgage

We have been working on a short sale for several months. We have been through several buyers as the bank takes months to decision the file. Our current buyer has been pending for 2 months now. The bank would ask for XXXX new doc eevery week until the file was complete. Since then it has been submitted for approval, with no decision. 

On XXXX at approx XXXX XXXX. I spoke to XXXX - Operator XXXX. He was extremely rude and condesending. I requested to speak to a supervisor and he declined.
Product: Credit reporting or other personal consumer reports

Statement Regarding Fraudulent Account with XXXX XXXX To Whom It May Concern : I am writing to formally address the fraudulent account under my name reported by XXXX XXXX. I have repeatedly requested that this account be removed from my credit report as it was opened fraudulently and without my consent. 

To resolve this matter, I have submitted all requested documentation multiple times, including : Social Security card Passport Drivers license Lease agreement A letter from the Federal Trade Commission ( FTC ) A police report filed in connection with the identity theft Despite providing this evidence, XXXX XXXX has not resolved the issue. Although the account was temporarily removed from my credit report, it was subsequently re-added. I have called XXXX XXXX numerous times over the past 60 days to seek a resolution. Instead of properly addressing the fraudulent nature of this account, XXXX XXXX offered me a settlement option of {$660.00} to close the account. I find this unacceptable as I should not be held financially responsible for an account that was fraudulently opened in my name. 

I have also contacted XXXX, Equifax, and XXXX to dispute the account and provided these credit bureaus with the same supporting documents mentioned above. I am working diligently to ensure the removal of this fraudulent account from my credit reports. 

I have involved my attorneys in this matter, and I reserve the right to pursue legal action if XXXX XXXX does not comply with federal laws, including the Fair Credit Reporting Act ( FCRA ). I demand that this account be thoroughly investigated and permanently removed from my credit report. Additionally, I request written confirmation of your findings and the actions taken to correct this issue. 

Failure to resolve this matter promptly may result in further escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this urgent matter. Please contact me at your earliest convenience to confirm receipt of this statement and to provide an update on your investigation. 

Sincerely, XXXX XXXX
Product: Debt collection

PayPal has charged me 4 months worth of late fees even though my account was closed. My only charges were late fees as I rarely used it for purchases. I paid one last late fee in XXXX, but the next month 's late fee was assessed and a 4 months of {$40.00} late fees and {$2.00} interest charges were assessed since then. SO I am essentially paying late fees on top of late fees. There are no debts to vendors. I have told hem this is punitive but they keep contacting me. At most I have 1 final month of late fee owed - posted after I thought I closed my account. They refuse to be reasonable. 

One representative said I was unable to close the account because it was associated with XXXX. That made little sense.
Product: Mortgage

As most people right now, my husband and I are having financial difficulties and are past due on our mortgage. We have had nothing but problems with our mortgage servicer, XXXX XXXX. They have returned payments, just so that they can show us more delinquent, instead of applying it towards the amount owed. Now, they keep our payments but put them in a suspense status, again, just to show us more delinquent then we really are. We have called them and were assured that the payment would be applied to the account. The payment was made on XXXX/XXXX/15 towards the XXXX bill. It is now XXXX, and the payment STILL has not been applied towards our account. We STILL show delinquent for XXXX. Our mortgage company is purposefully performing these actions, complete UDAPP violations, just to show us more delinquent, credit report harsher than we deserve ( i.e. XXXX instead of XXXX or XXXX ), and to force us into foreclosure.
Product: Mortgage

Loan company filed and never withdrew complaint filed with court system. Talked to company the first time about why they didnt withdraw due to payment sent to company. Was told Id get a call from supervisor after 24 hours, had to call them today ( 3 business days ) and been on hold more than 1 hour ( have screen shot of timer ) with court date scheduled tomorrow I didnt really want to have to take time off work to be in court for something unfounded. Not given any straight answers as to why this has even not been taking care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Debt collection

This Debt Collector was trying to get money from me that I do n't owe through fraud and false information. They said that I had a credit card with XXXX XXXX XXXX XXXX, they went to court and tried to sue me, the case was denied and they tried again in another court to get garnish my wages, the case was dismissed again a 2nd time, this time, they said it was for a check where all the evidence showed that, I have never owed them anything. I have requested for the Knight Adjustment Bureau to not contact me for any reasons in writing that never stop them from contacting and harassing me over and over. They kept reporting the info as correct to the XXXX credits bureau and regardless of the court orders that it was dismissed and kept telling other bank to not do business with me while they know they are wrong.