23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is stating that they spoke with me about issues with the XXXX insurance and the loan. They have never had a conversation with me and I want proof of the recordings. There were never communications with me and if someone was stating to be me it is fraud and the recordings will show. XXXX XXXX XXXX XXXX is also stating and admitting the this car was paid IN FULL by The end of XXXX in XXXX This fraudulent error of keeping the negative on my credit report is causing my family to not be able to get a car or buy a house. The car was paid in full. Payments were never missed. Insurance paid and the XXXX paid the bank. I demand that XXXX XXXX XXXX XXXX Furnish proof that they spoke with me and as well ask for good faith of removing this reporting from my credit report. Why would it be reported as bad debt when the bank received everything it was suppose to receive. Payments before the accident were perfect history and then insurance and XXXX paid the rest. This is Blasphemous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe result from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be promptly blocked.

Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entry on my credit report is associated with this identity theft and must be blocked immediately : Fraudulent Account to be Removed : XXXX XXXX XX/XX/year> I am writing to formally notify you that I have fallen victim to identity theft. I have reached out to the Federal Trade Commission ( FTC ) and have lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent accounts that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency via fax and Certified Mail. 

I appreciate your prompt attention to this matter. Please confirm in writing once this fraudulent item has been removed from my credit file.
Product: Debt collection

On XX/XX/18, a certified letter was sent to XXXX XXXX XXXX XXXX regarding a debt owed in the amount of {$210.00} on my credit report. I specifically asked for authorization and validation bearing my signature regarding this said debt as I'm not aware of this claim. I was instead sent a bill demanding payment from another party named XXXX XXXX XXXX. I demand that they sent me validation of said claim or contact all 3 major credit bureaus to have this item deleted.
Product: Consumer Loan

wells fargo refusing to issue statement for auto loan itemizing fees and interest never received statement called several time all 4 reps were unable to provide resolution or explanations
Product: Credit reporting or other personal consumer reports

I have made several attempts to remove fraudulent remarks from my credit report, identified between XXXX and XXXX. Despite participating in the dispute process with TransUnion, XXXX, and XXXX, reaching out to other credit reporting agencies, and contacting the involved companies, I have not succeeded in resolving these unauthorized fraudulent accounts that I did not benefit from. These negative accounts have significantly impacted my quality of life. My data has been compromised twice by the credit bureaus, making me a victim. I am seeking assistance to correct these fraudulent accounts. Thank you.
Product: Debt collection

On XX/XX/XXXX, I had XXXX procedures performed by California XXXX XXXX XXXX XXXX. 

The charge for the first procedure was {$240.00}, which insurance did not cover. 

The second charge was for {$420.00}, for which there was an insurance adjustment of {$340.00}, meaning we had responsibility to pay {$78.00}. 

Between the XXXX procedures, I had a balance of {$320.00}. I paid that balance in full on XX/XX/XXXX via California XXXX XXXX XXXX XXXX XXXX XXXX at cmi.mypatientfolio.com. The confirmation number for my {$320.00} payment is XXXX. 

At that point, we had a {$0.00} balance. We have not subsequently incurred any further balances with California XXXX XXXX XXXX XXXX. In fact, their patient payment portal shows our {$0.00} balance. 

On XX/XX/XXXX, we received notice from a debt collector, CMRE Financial Services, that we still owed {$240.00} for the first procedure on XX/XX/XXXX, plus an additional {$0.00} interest, for a total balance of {$240.00}. 

On XX/XX/XXXX, we contacted California XXXX XXXX XXXX XXXX. They confirmed we had a balance of {$0.00} and said that theyd contact XXXX to have this debt removed from collections. 

On XX/XX/XXXX, we received another notice from CMRE Financial Services informing us they were trying to collect {$78.00} for the second procedure. 

Not realizing wed already paid the {$78.00} balance, we mailed a check ( check # XXXX ) for {$78.00} on XX/XX/XXXX that XXXX cashed XX/XX/XXXX. At that point, XXXX actually owed us the {$78.00} we overpaid. ( XXXX : that balance remains outstanding. ) In XXXX, XXXX contacted me by phone ( I dont have the exact date ) attempting to collect the {$240.00} they said we still owed. XXXX wed already paid, I asked them to verify the debt. 

Yesterday, XX/XX/XXXX, we received a notice from XXXX saying they have reviewed the details and discussed [ my ] dispute with the creditor. They included documentation that shows the original amount of {$240.00}, to which no payments or adjustments have been applied. 

Suffice to say we have ample documentation of everything in this complaint, including bank and credit card statements, a canceled check, Explanation of Benefits letters from the insurance company, screenshots from the XXXX patient payment portal showing when the bills were paid, phone records, and more.
Product: Debt collection

My credit report currently shows account # XXXX from AArgon Collection Agency for the amount of {$180.00}. I called XXXX XXXX XXXX, the original creditor, and they told me they billed the wrong way initially and just resubmitted the bill correctly. I had Veterans insurance at the time of service and I was told they are billing them but it can take some time for the VA to respond and issue payment. However payment is pending. My personal credit shouldn't be damaged because the VA takes a long time to process payment.
Product: Credit card or prepaid card

My Capital One XXXX XXXX  card has been restricted for spending since XXXX. I contacted Capital one via phone and they said a special team is handling and that they would contact me in 10-14 days. No one contacted and when i called again they couldn't resolve it again. On my insistence they gave me a link to submit government ID and that link doesn't work. Errors shown in attached document. 
I contacted their Head of US Fraud Prevention via XXXX XXXX  message and didn't get response for several weeks ( screenshot attached ). 
I contacted them via XXXX and their generic response is to call a XXXX XXXX # XXXX XXXX XXXX which doesn't respond at all. 
I tried all attempts since 60 days and receiving no support to remove restriction. 
I have excellent credit history and multiple capital one cards and never had even one late payment. so this is all very disappointing on how they are not resolving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX ) XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX  Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Debt collection

REMEX can not and did not verify this debt and it is not mine
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attach below in reference to my federal consumer rights being violated by the XXXX XXXX XXXXXXXX reporting. Every circled furnishing attached below is a violation to my federal consumer rights. My invoice for actual damages and violations will be attached also. I have already attempted to have XXXX remove this account but unfortunately, they are continuing to be negligent, and I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Product: Vehicle loan or lease

I purchased a car and Westlake was the finance company. I am XXXX XXXX and informed the finance company of this and was told there was no relief for me. I was lead to believe that repossession was my only alternative. They came and picked up the car XX/XX/2017. I have since found out that I was covered under the SMRA and should NOT have had my car repossessed. This is a violation of the federal law that protects military personnel. I have since tried to retrieve my car back without success and my credit has since been ruined. They have been unwilling to work with me to settle this issue.
Product: Credit card or prepaid card

TD Bank Dispute Department TD Credit Cards XXXX XXXX XXXX XXXX. Ga XXXX We noticed that a merchant was charging our credit card XXXX, for services we did not use. In fact, we did not even know who they were. So TD open a case number XXXX in XX/XX/2022, and told us they would resolve our dispute. TD also said, they would close our a/c, as is the standard procedure. 

XXXX. TD did not close the a/c. .It took 4 calls to finally have them close the a/c in XX/XX/2022. The merchant kept charging the a/c all that time. 

2. When I called to find out the status of my claim, I was told that I could not speak to the dept., and it was unresolved. I made calls every month. 

The last call I made, the clerk said there was no case for this at all. 

We have stopped doing business with the months ago, and they keep sending us a bill which has the uber charges in it, The XXXX charges amount to {$800.00}. or more. 

I don't know what to do to get this reconciled. 

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

I filled out a police report and also an FTC report for my credit profile. Someone stole my wallets and was able to obtain credit cards, and also bank accounts in my name. Everything has been compromised Ive noticed on credit profile for fraudulent accounts that are reporting. I need to take them off. 

XXXXXXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

Pulte mortgage is the company I received a loan for a new home at the XXXX XXXX community at XXXX Arizona. 
we received a home warranty for 2 years on this loan purchase. we informed Pulte 2 times that our upstairs bathroom shower was leaking into the garage. the first time they sent someone who was not a plumber and he told us nothing was wrong. then it happened again and caused even more damage, and a visible crack showed up after continued use. the 2nd time they sent a plumber but they refused to honor the warranty on the home. 
we paid for a warranty through our mortgage and this company is refusing to honor this warranty. this is not the first time something was not honored. we had to repeatedly complain until they fixed : 2 concrete cinder block fences that were falling down, 3 leaks in the kitchen sink which caused damage because they didn't install the sink correctly. 3 AC complaints because the AC wasn't installed correctly, and blinds that broke off from window because it was not installed correctly. 
Pulte got its money and a 8 month old home is not being fixed due to their negligent building process.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

On XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX, my Bank of America Unemployment Benefits account was charged {$1000.00} per each of these days ( total of {$3000.00} ). These transactions were fraudulent. Upon noticing this, I immediately contacted the Bank of America Claims Department and filed a claim for fraudulent transactions. They informed me that there would be a review process and that I would eventually know the decision. Later, I received a letter explaining that they concluded that they would not return the stolen {$3000.00}. I immediately contacted Bank of America again, and they had me file a police report. I promptly submitted the police report to the Claims Department. They assured me the claim would be reopened for review. However, I later received a letter saying that the original decision to deny my claim would stand. I have called the Bank of America Claims Department at least three times regarding this fraud issue, and every time they reopen the claim and then deny any compensation. No reason was given for the decision at any time for this case of clearly fraudulent transaction. Yesterday was my latest attempt to open the case, at which case I was asked to resubmit the police report, which I have done. It has now been approximately six months since my initial contacting of the Bank of America Claims Department, with no progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 On this day I found out that my information, ALL of my personal identifying information, had been compromised in the breach of Equifax. I was not contacted. I had to learn about it from first social media, then the news. I had to do the legwork to see if my information was compromised. 

This information, trusted within this company, is everything required to steal my identity, disable fraud alerts, unfreeze freeze 's that I place on my credit, fraudulently file taxes, etc. Now this information is in who knows who 's hands, and unless more secure safeguards are put into place to protect it in the future, I will ALWAYS have to worry about identity theft because of Equifax 's lax cybersecurity. 

I do not believe that the social security number is enough protection anymore. Technology continues to advance, however the social security number does not. I believe modern safeguards need to be used to authenticate and identify the person, and as soon as such is put into place, the reliance on social security numbers needs to be ended, and that they should be public knowledge, just like a license plate number or drivers license number. 

I believe Equifax needs to make this situation right. I am disgusted that for the foreseeable future, nothing I can do will make my identity safe, nothing I do will make my credit safe. I should not have to be doing all this legwork when I have done nothing wrong. I certainly should not have to pay to make my compromised credit slightly more secure. Equifax needs to act to protect us moving forwards.
Product: Credit card

Please REOPEN the complaint from earlier this month XXXX. Several days ago, Citibank sent me an email response ( junk folder ) claiming that I earned XXXX bonus XXXX miles in XX/XX/2021 from a different account. They're claiming that miles are only awarded every 48 months- there was NO such warning on the application! I wouldn't have applied for the XXXX XXXX XXXX if such a requirement was shown on the application page. I'm considering pursuing some kind of class action lawsuit with other consumers because this is false advertising. Please help- your assistance and referrals are greatly appreciated. 

2. Upon further review, I also realized that Citibank never awarded me the XXXX bonus miles for my existing XXXX XXXX XXXXXXXX credit card ending in XXXX. It was for a bonus for using the card monthly throughout the summer. Please help- your assistance in this matter is greatly appreciated. 

3. I gave them my authorization to correct this matter regarding my CCs.