23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or about XXXX, 2015, I was notified that there could potentially be fraudulent activity on XXXX of my capital one credit card accounts. At that time, I spoke with a representative and confirmed that it was fraudulent and a case was opened for both accounts. To date, I have been unable to reach the representative handling my case and I am told every time that I call that I must speak with her and then I am transferred to her voicemail and I never receive a call back. The fraudulent charges have not been removed from my account. I refuse to make a payment for charges that are not mine and Capital One is continuing to charge interest and late fees on both accounts, in addition, these charges exceeded my credit limit by twice the amount and now Capital One is reporting this information to the Credit Bureau and it is ruining my credit because it is showing my payments are late and that I am over the limit on both credit cards. I 've reported this information to the company and yet they refuse to remove it and offer no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting that this card is mine, and I have never filled out an application for this card. I was added as an authorized user but I was asked to be removed XX/XX/2022 by the account owner. After several disputes XXXX and Equifax have failed to provide XXXX XXXX from XXXX 's verifying that I am the actual account holder
Product: Debt collection

Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report XXXX XXXX XXXX XXXX XXXX response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. XXXX XXXX XXXX XXXX XXXX is a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( Experian, XXXX and XXXX  ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer, XXXX XXXX
Product: Debt collection

I received a levy and tax warrant from the Indiana department of revenue. I contacted and had the levy removed in XXXX due to a bankruptcy. I was told I had 30 days from removal to start payment plan. I contacted their debt collector agency UCB on XX/XX/year> to set up payments in which I was told I could not start payments because of bankruptcy hold. I told them I will contact Indiana Department of Revenue. I attempted to contact the department of revenue on 5 different occasions with no response. I reached back out to UCB again today to be told they place a levy on my bank account as Indiana Department of Revenue authorized XXXX. UCB refused on XXXX separate occasions to let me speak to a supervisor. Indiana department of revenue as well as UCB failed to send notice of activation of hold being lifted. UCB workers were extremely rude and has poor documentation. I attempted to make payments for debts and no one has made me away that I was able to start payment. I was charged a bank fee due to last levy and I will close my bank account if they allow for it to happen again when I have been actively taking steps to make payment.
Product: Debt collection

I have a collection on my credit repot from NCB MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX XXXX. I have no idea where this account came from and reached out to this company several times a d I have gotten no verification of this account and I'd like it deleted from credit reports
Product: Mortgage

Back in 2011, we tried over and over unsuccessfully to do a loan modification w Wells Fargo. We had a mortgage and a second. Also we had a checking account that they took over XXXX $ out of without our permission. They refused to deal with us in good faith despite our numerous times we tried to get help w our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was paid in full even it was Indiety theft by someone. I paid vehicle in full still reporting chage off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE XXXX XXXX XXXXXXXX XXXX XX/XX/2022 To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXXXXXX XXXX I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/2022, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score.

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard enquiry from Unknown resources on XXXX 1. Institution Information XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX 2. Institution Information XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. Institution Information XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4. Institution Information Vw Credit XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX  1. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has consistently refused to allow me online access to my Credit File forcing me to call in and have to wait to speak with an Agent. I have complained to the XXXX  about this matter with no resolution. Today Equifax took me all through the process of Identity Verification as well as changing my password. After completion of these tasks, they then instructed me that they could not help me and to call into Customer Service. Given that my information was completely verified, there is no reason Equifax should not allow me online access to dispute items, etc. I have no other problem with the other 2 Credit Bureaus accessing my credit file online. This type of inconvenience Equifax is causing me is unaccpetable.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) Account Number : XXXX Reason : Unverified account
Product: Mortgage

I have requested via email on the XXXX of XX/XX/2024 and again on the XXXX via email along with a follow up phone call on the XXXX  to Cross Country Mortgage. I requested in writing the policy for removing PMI insurance. Our value is higher than the 20 % equity required to justify PMI, We have invested over XXXX into our home and would like to have the mortgage insurance removed since it is no longer applicable. The company has only responded with a letter acknowledging the request, but has not provided the information requested. I have come to the conclusion that they are attempting to prevent me from removing the PMI.
Product: Credit card or prepaid card

Wal-Mart will not give me a settlement until my balance with them is {$300.00}, which is crazy because I don't want to build up that balance. I have a {$220.00} balance that I want to dispose of, but I can't settle with them until I have a {$300.00} balance. That's nonsense on their part, to let the balance and late fees accrue to this amount when I want to get rid of the card!! 
XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I experienced financial fraud on my Citibank card, multiple charges. I have had extensive challenges completing this project with Citibank. They removed XXXX charge but left another that has been compiling interest and fees since XX/XX/XXXX even though it was reported. I filed this in a dispute with XXXX ( XXXX ID number XXXX ) but I haven't had the card closed in response to the report. I have attached some evidence associated wit this case. I do not have a dog and my phone number is a XXXX area code ( see attached folio for fraud charge in question ). 

The CitiBank communication portal online is not working to complete this task and I am disabled.The account was not closed and thus unauthorized charges have been made between the dates of XXXX XXXX, XXXX to present day.
Product: Mortgage

I registered with my lender Homeloanserv with the special forbearance program in XX/XX/2021. In XX/XX/2021 the company reported my loan delinquent which I then contacted them and they reported to me by email that they would correct with the credit reporting agencies. I am required by them to do a monthly check-in which I do. They sent me another letter dated XX/XX/2021 stating they have been trying to contact me even though I called and spoke to one of their representatives on XX/XX/XXXX reported I still needed to continue my forbearance but they again reported my loan delinquent on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 's XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions, Experian consistently responds within 24-48 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore. Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB takes action to ensure that Experian complies with federal law and provides consumers with the necessary proof of investigation. The following accounts listed are the accounts that I have disputed. 

Eastern Account System Fair Collections & Outsourcing LVNV Funding National Credit System
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity may have been compromised. 

The following inquiries are unknown and were not authorized. They are fraudulent. Please remove the following unauthorized credit inquiries on my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft and have numerous police reports on file with Chex Systems in regards to fraudulent accounts and inquiries listed on my Chex Systems Consumer Report ID # : XXXX. The following inquiries viewed by others currently listed on my Chex Systems Consumer Report are fraudulent, unauthorized and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022. The inquiries viewed by others, are not my inquiries.
Product: Debt collection

I received a letter dated XX/XX/23 from Jonathan Neil & Associates , Inc. XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. 

I am writing to file a complaint against Jonathan Neil & Associates , Inc. for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I am concerned that the company failed to meet the FDCPA notice requirements in its attempt to collect a debt from me. 

On [ Date ], I received a notice from Jonathan Neil & Associates , Inc. regarding an unpaid balance due on my policy with XXXX XXXX XXXX. The notice failed to include the mandatory " tear-off '' dispute form required by the FDCPA, which makes it difficult for me to dispute the validity of the debt. Additionally, the notice did not provide me with detailed information about the debt, including the amount owed, the original creditor, and any proof of my agreement to pay this debt. 

I have already sent a dispute letter to Jonathan Neil & Associates , Inc. regarding the validity of this debt, but I have not received any response to my request for validation of the debt or the " tear-off '' dispute form. Therefore, I am filing this complaint with the CFPB in hopes that your office can intervene and require Jonathan Neil & Associates , Inc. to meet the FDCPA notice requirements. 

I am also concerned that the company may be engaging in other unfair or deceptive practices in its attempt to collect this debt. I request that the CFPB conduct a thorough investigation into Jonathan Neil & Associates , Inc. 's debt collection practices and take appropriate action to protect consumers. 

Thank you for your attention to this matter. Please contact me if you need any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of a tax lien filed against me, Instrument Number XXXX, through a routine check of my credit report. After researching the issue, I determined that the State of Alabama erroneously believed that I was a citizen of the state during the XX/XX/XXXX tax year and therefore owed state taxes. I provided information to the Alabama Department of Revenue Office of Taxpayer Advocacy that resulted in Taxpayer Assistance Order # XXXX, which concluded that I did not live nor earn income in the state of Alabama during the XX/XX/XXXX tax year. Therefore, the final assessment on XX/XX/XXXX has been rescinded. Additionally, the State Department of Revenue recorded Instrument Number XXXX Release of Lien for Taxes. 

My credit was significantly degraded due to the erroneous tax lien, and I submitted the Taxpayer Assistance Order and Instrument Number XXXX, referenced above, to the various credit agencies to dispute the derogatory public record on my credit. Much to my chagrin, the credit agencies ignored the plain language in the Taxpayer Assistance Order I submitted and cited the existence of the original erroneous lien recorded in Instrument Number XXXX to find that a derogatory public record continued to exist on my credit. 

I again contacted the Alabama Department of Revenue and they sent a letter to the credit agencies requesting that reference to any tax lien be removed from my credit report. That was partially successful ; however, the credit reporting agency, Equifax, seems to be transfixed on the erroneous lien, and as long as a search turns up the instrument, no matter what logical argument is presented as to the validity of that instrument, my credit continues to be effected. 

I have filed three disputes with Equifax asking them to acknowledge that the State of Alabama explicitly directed them to no longer publish derogatory information pertaining to the erroneous lien. Equifax, however, continues to cite to the public record despite the obvious fact that it was a complete error on the State 's part. I am at a loss as of what to do.
Product: Vehicle loan or lease

Over the years I've tried to call and mail Welsfargo to resolve my concerns. The remaining balance of the repossession is inaccurate and I didn't receive a certified letter in the mail, with a return receipt of exactly how much I owe after the car was sold in the auction. 




Respectfully, XXXX XXXX
Product: Checking or savings account

On Sunday XX/XX/XXXX I began a backpacking trip in XXXX California about an hour out of XXXX XXXX where I live. During that backpacking trip, my car was broken into and my debit card and phone were stolen. I got back to my car on Thursday, XX/XX/XXXX and then realized what had occurred while we were backpacking. This area is very remote and there is no cell service nor cameras so we were very shocked to see the car broken into. We eventually got down the mountain and then attempted to get in contact with the local rangers which who ended up telling us theres not much they can do as theres no way to figure out who it could have been due to the remoteness of the area. I loaded up my old phone once I arrived back at home and then proceeded to check my Wells Fargo account to see that the thiefs had used my phone and debit card to send them all the money in my bank accounts XXXX using XXXX XXXX. I then called Wells Fargo immediately and told them what was going on and after about 1.5 hours on the phone with them and had all the proper claims filed I was told they would be investigating my claims and I would hear back within 7 business days. One of my claims was approved and they moved XXXX $ back into the account but the XXXX $ in XXXX XXXX payments was denied as they said I approved it even though my phone and debit card were stolen. I am left with nothing and this must be resolved as I did everything in my power the second I found out what was going on to get this fixed. Ive been a loyal customer to Wells Fargo since XXXX and have done nothing but be a good customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving inaccurate and inconsistent reports from creditor Department of educationXXXX XXXX XXXX I filed a hardship status for my student loans and begin to receive government assistance on all XXXX loans, these was loans was taken over by XXXX Dept of Ed . few years ago, I start noticing late payments on my credit report for student loans, after contacting XXXX I was told that department was closed down and my file was sent to another department that's handling student loans. In the process of my file being transferred to another department my credit report start getting derogatory remarks, then it went back to accurate and has maintained that status since XXXX. 

Department of edXXXX XXXX has blatantly violating my rights to fair consumer protection Act, ( FCRA ), 15 U.S.C . 1681 et seq., by reporting differently to the three credit bureaus with inaccurate and inconsistent information pertaining to these student loans accounts. 

Acct # XXXX shows 120 day late on Experian, 90 days late on XXXX and 90 days late on XXXX, on all XXXX loans that's listed with same account numbers.
Product: Mortgage

Pnc refinanced our equity loan on XXXX. The loan was just paid off XX/XX/2022. They charged a late fee on XX/XX/XXXX due to their booking issue however the rep. Said they would refund the XXXX charge. How can they charge us interest on 2 loans at the same time for the same type of loan class and not backdated the payoff resulting in an additional XXXX  per day of interest plus they're charging me interest on the new loan we have with them with higher rate and balance. The same house the same company and both heloc eqty loans. So double interest. Illegal. I believe pnc needs a State of Ohio Audit done on all refinances seeing they can not double dip and charge late fees when we closed with them on the XXXX. I worked in XXXX  15 years and also was the XXXX XXXX  who helped XXXX XXXX who was your XXXX and I know for a fact if fees or interest are charged this way we would get nailed for it. How may customers refinances has this happened too with PNC? I'm sure it never happened at XXXX XXXX XXXX where I worked or we would've been shut down. Now if they can prove otherwise then no problem. Also the due date went from XX/XX/XXXX to XX/XX/XXXX for a first payment so does that mean 2 months interest due on our first payment? The ist payment should be 30 to 45 days from closing date of XX/XX/XXXX. Therefore XX/XX/XXXX is too far out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase.
Product: Credit card

I never applied for a credit card from Capital One GM Card yet one arrived in the mail with a $ XXXX credit limit. I do not want unsolicited credit cards ... ever.
Product: Credit reporting or other personal consumer reports

I am exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file. I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act. I know that FCRA 605XXXX requires us to report any incorrect accounts being reported on a consumer 's report.