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

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of XXXX XXXX XXXX XXXX aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information on CITICARDS CBNA from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please investigate and remove it from my personal credit file. Thank you. 

( CITICARDS CBNA XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report and noticed the following accounts reporting balances and utilization inaccurately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish utilization on my consumer report?

Did I give you written instructions to furnish a balance on my consumer report?

you have 10 calendar days to Update all balances to Zero on all below accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Failure to respond satisfactorily will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

On XX/XX/XXXX I received a text message from Capital One alerting me of suspicious activity on my credit card. I immediately responded to Capital One confirming that the charges were fraudulent and instructed Capital One to freeze and replace my credit card. 

The charges in question were : XX/XX/XXXX - {$300.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$10.00} - XXXX XXXX XXXX XXXX - {$410.00} - XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Capital One notified me that the had opened an investigation into the fraudulent charges on my account through Case # XXXX. 

Seeing as I opened this credit card in approximately XXXX ( maybe XXXX ), and having NEVER utilized the cash-back function, or even reported fraud on this account, I believed the issue had been resolved and that Capital One would reimburse me for the fraudulent charges that they themselves flagged, but on XX/XX/XXXX, I received the following letter : " Dear XXXX XXXX XXXX You recently told us you didn't make the following charges, so we opened an investigation to figure out what happened. 

After researching your case, we found insufficient evidence of fraud because : Information we discovered leads us to believe you or another account user benefitted from the transactions. 

Since there's insufficient evidence of fraud, you're responsible for the charges listed below. If temporary credits were provided for these transactions, an offsetting adjustment will appear on your upcoming statement or the following statement as " Purchase Adjustments. '' We appreciate your business and look forward to serving you in the future. Please don't hesitate to call us at XXXX, if you have any questions about these charges or our fraud investigation. 

Sincerely, Capital One Fraud Operations Phone : XXXX Available Monday through Friday from XXXX XXXX to XXXX XXXX. ET '' These charges were fraudulent. Neither I nor any authorized user of my Capital One credit card - there is just one on this account, it's my dad, and I have his card in my possession at my house - made these purchase which total {$720.00}. And I will happily prove and provide whatever evidence necessary to prove the location of me and my Credit Card during the times of these transactions, as they were absolutely not charged by me ( of my physical card ). I called the number listed within the above letter to contest the results of their investigation and request that the investigation be reopened, but they insisted that they do not have sufficient evidence to determine the charges were fraudulent and that their decision is final. I am a victim of fraud and Capital One is unwilling to help me or provide me with any other alternatives to help prove that these charges were not me, they are perpetuating this problem. I can't stomach having to be responsible for these charges that I did not make. I work hard for the money I make, I give everything every day to my company, and this is just disgusting.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Charge-Off Accounts from Credit Reports Complaint Details : To Whom It May Concern, I am submitting this complaint to request the removal of inaccurate charge-off accounts being reported on my credit reports by XXXX, XXXX, and Equifax XXXX The accounts listed below no longer represent valid debts and are inaccurately reported, as the amounts in question have been canceled and considered taxable income by the IRS. 

According to IRS regulations, canceled debt is treated as income and is reportable to the IRS via a Form 1099-C. Such income can not simultaneously be reported as outstanding debt on credit reports, as this practice creates a misleading and unfair representation of my creditworthiness. This issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of credit information. 

The accounts that need to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC Identity Theft Report ( Report # XXXX ) for reference. 

Requested Resolution : I am requesting that XXXX, XXXX, and Equifax remove the above-listed accounts from my credit reports immediately. Additionally, I request confirmation of these actions and a copy of my updated credit reports. 

Complainant Information : Name : XXXX XXXX Email : XXXX Address : [ Insert Your Address ] Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX Attachments : FTC Identity Theft Report # XXXX
Product: Debt collection

Re : Dispute of Bankruptcy I am writing to formally dispute the reporting of a Bankruptcy account under on my Experian credit report. I initially filed a dispute regarding this inaccurate information, yet no proper investigation was conducted. As a result, I am left with incorrect and damaging information on my credit report. 

Furthermore, Experian told me it was verify, which should have been provided if the debt was verify as required by law. This lack of documentation and transparency is deeply concerning, and I believe that Experian has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by not investigating the matter appropriately. 

I am now aware that legal action is being taken regarding these very issues. Given this new development, I urge you to conduct a thorough review of my dispute and remove the inaccurate and unverifiable account from my credit report immediately. 

Please confirm receipt of this letter and provide me with a resolution within 30 days as required by law. If you require any further information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there are several inaccurate accounts not opened by me or authorized that need to be removed from all XXXX credit bureaus
Product: Student loan

On XX/XX/year> I applied for a private loan through XXXX  XXXX XXXX XXXX. I was sent an email that directed me to an adverse action letter you will find below. In the adverse action letter I was given a list of factors ( not deciding factors ) indicating why I was denied extension of my own credit. Not only were these factors illegitimate reason to deny me an extension of My own credit, they directly violate article 15 USC 1611 criminal liability for willful and knowing violation because they gave me false and misleading information. XXXX  XXXX XXXX XXXX did a hard pull resulting in a negative inquiry on my credit report therefore a consumer credit transaction had been made. I was denied the extension of my own credit and given a list of reasons that were not deciding factors yet I received no benefit. And compliance with 15 USC 1679 this was a consumer credit transaction therefore you can not deny me an extension of My own Credit.
Product: Credit card or prepaid card

Im American Express platinum card holder.

and pay {$450.00} per year to use the card one of the futures that comes with card pay charges over time with 20.49 % Ive been using this future occasionally and has limit of {$35000.00} last night trued to transfer a charge over {$300.00} but the future was suspended this isnt part of term and condition of the card as far as I remember I never been late or had issues I had a choice to use different credit card to pay a certain charge and not pay fee if I wasnt notify by American Express to suspending this future and could save {$180.00} if so I need to be refunded all interest charges that I was accumulated and Amx violated our terms and conditions.
Product: Mortgage

I applied for a Qualified Assumption with my mortgage lender, Bank of America, in order to get my ex husband off my mortgage as per the terms of my divorce. I was told my application was denied do to high Income to Debt ratio. I questioned this because I only have a mortgage and car payment, I do not have any other debt, my credit cards are paid each month in full. My car payment is {$270.00} and my mortgage payment is {$1600.00}. My income each month ( salary plus alimony ) is {$6100.00}. 
According to my calculations my IDR is 32 %. Totally within the acceptable range. I have never missed a mortgage payment and my credit score is stellar. 

I was told that once an underwriter makes a determination I can not appeal it. They suggested I try to refinance to get my payments lowered. My issue is, I already paid off all my interest and I am currently paying down the principal with only {$120000.00} left and 6 years to pay off my mortgage in full. I do not think I should have to start paying interest again for the next 20-30 years just to get my ex husbands name off the mortgage. ( His name has already been taken off the title. ) I feel that my denial is unfounded. And to be honest, I feel that it was made because the bank stands to make more money if I refinance.
Product: Mortgage

This company LoanCare acquired my loan in XXXX. My loan is a principal and interest only loan. They received my first payment on XX/XX/2019 for the amount of {$870.00}. In XXXX, I received a bill for my principle and interest PLUS an escrow account for home owners insurance. I provided proof of home owners insurance, and they refused to refund my account and close my escrow. FINALLY, my escrow was closed, however, due to this issue, they are not crediting my on time payments appropriately, and I still have late payments and bad reports to the credit agencies. PLEASE look into this company. I am not the first or the last person that has had this issue. Look at their yelp reviews. They are sending me refund checks, all the while not crediting my payments appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Dear Experian : Im responding to the verified no-change letter you sent me for collection account.

1. This account was PAID as AGREED. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. This account PAID and AGREED. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Product: Debt collection

I began receiving robo calls in XXXX. The calls were strange and said " A complaint has been filed against '' me. At first I thought it was a simple mistake, since I had not ( and still have n't ) received anything in writing. Then, family members, friends and my work said they began receiving these calls too. To the best of my knowledge I do not owe anyone anything and have been working on raising my credit score. 

Then I received alerts from a credit monitoring service that this company has entered numerous credit entries on my three credit bureau files. These entries show an amount, that I do not owe XXXX {$620.00} XXXX, and show late payments for the month of XXXX and XXXX. 

My credit score has plummeted. 

Since I have not received any written communication from this company, I had to use the address entered into my credit files. I sent them a written request for the following : I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent They have not responded and it has been 30 days.
Product: Debt collection

NAVIENT Claims I owe around {$16000.00} for my private loan. I have been dealing with them for years. They offer no programs or options that are affordable for me. I can only pay at times on interest and my payoff amount continues to rise. They have called and harassed friends and family members I have never given them contact information for which is incredibly embarrassing. They provide no written information except contracts which are really hard for me to understand. Due to recent flooding I have lost all paper documentation.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2017 account was open online with XXXX XXXX for {$150.00} the balance now is XXXX. I never open account with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is purposely reporting an account wrong in an attempt to hurt my credit. They are adding fees way after the fact, and lying about the date of last activity so that they can keep this account on my report longer than the statue of limitations. 

I sent a validation request to this company on XX/XX/2021. They responded that my balance is {$3900.00}. They are now reporting on my credit report {$3900.00}. they did not include all information requested in my letter. 

They are adding hidden fees along with blatantly lying to the credit bureaus.
Product: Consumer Loan

Statement of Facts 1. XXXX XXXX banker offered me a revolving line of credit for use for my professional medical practice of $ XXXX. This was issued on or around XX/XX/XXXX. He fraudulently induced me into this contract by stating this line of credit " would be automatically renewed '' ( see attachment ). 

2. The account was maintained responsibly, on time payments, never late or delinquent. 

3. When I went online to make the next on time payment XX/XX/XXXX no information was available about a payment due. When I went in person to the branch, the banker confirmed and accepted the minimum monthly payment of approximately {$600.00} which I made on or around XX/XX/XXXX. 

3. Because I was still unable to access any account information on or around XX/XX/XXXX my banker XXXX XXXX CA branch discovered that the balance of {$75000.00} was due and payable in full as of XX/XX/XXXX. However, he promised my credit would not be harmed in any way because he would reinstate the credit line so that the balance would not be due in full. ( XXXX had replaced XXXX who quit without informing XXXX of our agreement. ) 4. I did not receive any notification that the balance would be due on XX/XX/XXXX 

4. Subsequently, XXXX failed and refused to return my calls. Around XXXX I discovered that contrary to his promises, this account was reporting as XXXX days late, which ruined my credit score, and caused me medical, financial, and emotional losses. 

5. On or around XX/XX/XXXX I was informed that XXXX no longer worked at XXXX but he failed and refused to properly handle my account. 

6. The Bank agreed to remove the late payments due to the error under the condition that I agree to an installment loan of $ XXXX at a predatory interest rate of XXXX % interest per annum, wtih payments of {$2200.00}. I did not want an installment loan ; I wanted a revolving open line of credit for patient care and medical supplies which I was promised at the onset in XX/XX/XXXX. 

6. On XXXX I received and signed the new installment loan documents under duress and contrary to the written agreements of XXXX to automatically renew the line of credit. 

7. To date, as of XX/XX/XXXX, the Bank has failed and refused to update my account as paid in full never late. By inducing me to sign a new set of loan documents while not fixing my credit, the bank is putting me into an untenable position of denying me the ability or means to satisfy these obligations. 

8. Furthermore, I underwent a serious life-threatening medical procedure in XX/XX/XXXX, and the Bank 's mishandling and misrepresentation of these accounts has caused me mental and emotional anguish complicating my full recovery in which I have been denied adequate XXXX XXXX on the basis of my credit, causing me XXXX seeking protection under the Americans with XXXX XXXX ( XX/XX/XXXX ) and applicable law.
Product: Mortgage

Mr. Cooper has scheduled a foreclosure sale on my house for XX/XX/XXXX. Mr. Cooper never reach out to me concerning my HAMP Loan Modification I applied for in XXXX, instead I am getting a foreclosure sale notice letters six of them which I received on XX/XX/XXXX. Mr. Cooper who has registered as a mark service for Nationstar Mortgage still operating its business as Nationstar Mortgage severally in the past has asked me to submit the same documents over and over again which were promptly submitted but were never used for the purpose intended, that is to be used for the modification of my loan. Instead Mr. Cooper gave me the run around, engaged in telling lies, made false statements, gave deceptive information and bogus figures that could not be substantiated. Also, Mr. Cooper tried very hard to steer me away from the HAMP Loan Modification. Mr. Cooper never conscientiously tried to help me modify my loan so that I could stay in my house. Instead, Mr . Cooper engaged in looking for any rabbit hole it could find, all in an effort to justify itself why it could not modify my loan. Is even more worst now not giving me any logical reason why it has scheduled a foreclosure sale on my house for XX/XX/XXXX. It is very obvious that Mr. Cooper 's goal is to sweep my HAMP Loan Modification I applied for in XXXX under the rug. Mr. Cooper can not unilaterally resolve my HAMP Loan Modification because the HAMP Loan Modification Program guideline specifically said that to resolve a loan modification under the program it has to be bi-laterally resolved and no unilaterally resolved. To do so, is in a violation of the HAMP Loan Modification Program guideline. Mr. Cooper again is violating the Virginia Bankruptcy Law by constantly touting me with a Voluntary Payment Coupon in the amount of {$450000.00} which is illegal. I filed for bankruptcy XXXX and my wife filed in XXXX and both were discharged. The XXXX XXXX XXXX  in the foreclosure sales notice letters I received from the Trustees claimed that it enclosed advertisement as published in XXXX XXXX XXXX  about the foreclosure sale which is not true. I could not find any advertisement in any of the six letters I received from the Trustees.
Product: Debt collection

They called my cell phone, told.me it was recorded and placed me on hold. I hung up. I called them back. They asked me to verify myself and needed my last  4 o f social. I asked what it was concerning and he told me once I verified who I was they would tell me. Said by Federal law had to have  two for ms of verification. I told him to send it to me in writing that was Federal as well, and until then to   XXXX    XXXX   XXXX . I then hung up and called back again. A female not speaking fluent English. Asked for phone number. Gave it to her. Asked if I was   XXXX   XXXX  . I said yes ... that to me i s two forms o f ID. Then asked for last  XXXX  of social. I again refused and asked who she was with. Could not tell me without verification. She then asked for middle initial. I told her "  XXXX  ''. She then said that did n't match and needed me to verify address. I told her she now had three forms of ID. Still refused to tell me who she was with or representing. I then hung up again. Has been added to my reject call list.