23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX / XXXX Email : XXXX DOB : XXXXXXXX  SSN : XXXX Driver 's License : XXXX Place of birth Idaho XX/XX/XXXX Capital One Customer Care XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Re : Application ID : XXXX Dear Capital One Customer Care Team, I am writing in response to your recent decision regarding my application for a credit card ( Application ID : XXXX ), dated XX/XX/XXXX. 

While I understand that my application was deemed incomplete or unverifiable, I would like to request further clarification on the specific information that may have led to this decision. I believe I provided all necessary details, and I would appreciate the opportunity to address any discrepancies or omissions. 

Here is my personal information for your reference and verification : 1. Full Name : XXXX XXXX 2. Date of Birth : XX/XX/XXXXXXXX  3. Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX 4. Email : XXXX 5. Phone Numbers : XXXX / XXXX 6. Social Security Number : XXXX 7. Driver 's License Number : XXXX Please provide me with a detailed explanation of the reasons for the denial, including any specific information that may not have been verified. I am also contacting the consumer reporting agencies mentioned in your letter to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

The credit reporting agencies or not properly reporting my correct personal information I would like them to properly report the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, Nv XXXX Mailing address : XXXX XXXX XXXX XXXX, Nv XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

15 Us Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information resulted from an alleged identify theft, not later than 4 business day after the date receipt. It has been 30 days and you are in VIOLATION! Of the law because I am a victim of identify theft. Please delete these items IMMEDIATELY!. 
I NEVET GIVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violates my rights as s federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As s consumer I am demanding the deletion of the account listed IMMEDIATELY!
Product: Vehicle loan or lease

RENTING A CAR FROM THRIFTY!! Purchased and paid for car rental thru XXXX. When I got to the counter at XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX to pick up car the rep asked me if I wanted to purchase additional insurance. I told him no that I was already a fully insured driver. In order to get the car I had to sign the contract. To my surprise that after I returned the car, they charged to my account {$430.00} without my authorization. It was a fraud and I am sure they signed without my authorization since I didnt receive any document. 

The same day I noticed the charge in my account I contacted Thrifty customer service to complain about the additional insurance that I never asked for it and I also contact XXXX to try to find answers about this with no solution from them. 

This is beyond wrong on every level. I will take this as far as I need to to get my refund and make sure everyone knows how this company does business. It is very important that you review all comments about this illegal procedures and frauds from Thrifty at XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened an account with XXXX through Wells Fargo in XX/XX/XXXX. I purchased an item at XXXX and later returned the merchandise. We never received a statement to show they gave me credit for the returned merchandise. They currently show late payments on my credit report. I did a dispute back in XXXX but it came back no change. Then in XX/XX/XXXX I received a letter from Wells Fargo that said they discovered a processing error because they did not have correct address in the system. 

I did another dispute This spring to get credit report to show no late payments. and again Wells Fargo did not change the credit report. 
. 

I have attached the letter from Wells Fargo dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been unauthorized hard inquiries on all three of my credit reports without the companies providing any proof my intent, signatures or information.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> Equifax has not updated/reported my credit file. However in XXXX of 2024 I began the home buying process however was met with a challenge due to the lender not being able to access my Equifax credit file. There were no issues with the other bureaus, only Equifax. The lender advised there appeared to be a freeze on my credit file. I contacted Equifax to resolve this issue, however several reps advised there were no issues or freeze on my file yet I am still having the same issue with Equifax not reporting/updating my credit file and lenders not being able to access it. This issue is causing a huge inconvenience and frustration in my life as I am trying to purchase a home.
Product: Debt collection

I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to XXXX three ( 3 ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices. 

Referencing prior complaint Case number : XXXX they did not remove the entries from XXXX as I clearly request where the posting was made but their tactic was to remove from XXXX as per their response below : Response disputed Harvest and Associates said : Explanation of closure Due to the age and amount of the debt, the original creditor has agreed to close the account from collection and remove from XXXX. 
Relief The debt of {$66.00} has been written off. 
{$66.00} XXXX XXXX of {$66.00} has been written off and deleted from XXXX. It may take up to 45 days for XXXX to remove the debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern : My information was and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this date breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 XXXXXXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees, I have incurred Despite having significant funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances, despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Yesterday, on XX/XX/2023, I was alerted by both XXXX XXXX and XXXX that a hard inquiry was made on my account without my authorization. I would like to bring to your attention that I did not apply for any credit cards or authorize any entity to perform a credit check. This discrepancy has caused concern regarding the accuracy and security of my credit report. I would appreciate your assistance in rectifying this matter promptly.
Product: Mortgage

I am complaining against DiTech XXXX XXXX XXXX, they increase my mortgage payments from {$790.00} a month to {$820.00} a month. Then they would n't approved me for HARP modification, after I have turn in all the proper paper work. I just got my monthly statement for XX/XX/XXXX showing I owe {$9100.00}. That is a XXXX lie, I am six months behind because I am going through a modification, my incorrect monthly payments of {$820.00} x 6= XXXX. They are cooking the books, then add injured to insult, they turn my loan over to another company. They are call XXXX XXXX XXXX XXXX. DiTech is a bunch of crooks, everything they do is illegal, I am trying to keep my home.
Product: Debt collection

Received a call from a company called " Medical Revenue Collections '' at Number XXXX. I was unaware that I owed a debt, so I called the institute, XXXX XXXX XXXX XXXX in XXXX XXXX, AL to ask. I DO owe a debt, but the collectors they use are " XXXX XXXX '' at XXXX. I feel these people are trying to falsely collect my debt. When I told the lady I contacted the institute where I received service and they told me where to go, she got very rude, and told me " well, you had better watch your credit then! ''
Product: Bank account or service

XXXX XXXX Opened my Student checking and savings account at Citibank, XXXX XXXX CA branch. 
The banker XXXX explained that the account is free, so I believed it was a free account. 

XXXX. XXXX Citibank started charging a monthly service fee without notice. I had a balance of {$300.00} in the checking accout. 

XXXX. XXXX I received a letter saying there 's not enough funds in my checking account and that I was being charged an overdraft fee of {$34.00}. Because my {$300.00} balance had been used to pay the monthly service fee and my account was now overdrawn. 

XXXX. XXXX XXXX I went to the Citibank XXXX XXXX branch and asked them to refund all monthly service fee ( {$12.00} times 16 months = {$190.00} ) and the overdraft fee ( {$34.00} ). After speaking with the branch manager, XXXX, she refused and said they would only refund for 3 months service fees. They explained that the account was not free and the banker opened a normal account instead of a student account which is free. 

XXXX. XXXX XXXX I contacted the Citibank customer service center and I tried to negotiate a refund of the service fees. The representative processed a refund for 1 month of service fees ( {$12.00} ) without my agreement. I asked them to cancel this refund because I did not agree with it but they said they ca n't. 

Summary : I was taken advantage of by the Citibank XXXX XXXX branch when opening my student account. There was no notification of me being charged fees and after asking them multiple times to refund my money they 've refused. I did n't use this account as I was told it was free, I only checked their e-statements the first few months.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts from my credit report, as I have been a victim of a recent data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A hard inquiry was pulled against my credit from a company called Autopay, operating out of Colorado. They claim consent was given to them from XXXX XXXX. My XXXX XXXX account was hacked and I do not have access to it. XXXX XXXX is uncontactable by phone and I expressly did not give consent to any credit inquiry. I do not need anything from any lender and I did not apply for anything. I demand they remove this fraudulent credit inquiry from all three credit reporting agencies. I have since changed the login details on XXXX XXXX to protect the account. I did not give consent to any such companies on XX/XX/year> to access my credit for my reason, I did not apply for anything XXXX XXXX or autopay.
Product: Debt collection

I have contacted Lvnv over a month ago requesting validation of debt claimed to owed to them and is negatively affecting my credit report. This company has not sent me initial notification of debt which directly violated my rights as a consumer. This company has also failed to respond to my attempts to provide documentation of debt as previously requested by me. As per the fcra my rights are also being violated as a consumer. Furthermore, I have not done business with this company or have binded my name for exchange for goods or services.
Product: Checking or savings account

Having no other option, due to my complaint about my credit union to this organization leading to their retaliating against me using the XXXXXXXX XXXX thus preventing me from obtaining a new checking account anywhere but Chime which has a XXXX limit on mobile deposit ( the check the employer provided was for XXXX ), I had to cash a check from my new employer with Charles Schwab with whom I have some checking accounts I have not accessed in years. I cash the check with XXXX 's mobile deposit, it goes through and I open a new account with an attached VISA card as the funds were intended to purchase equipment necessary to do the job itself. Now I can not access the account at all, the login says that access has been suspended and upon calling XXXX I was told they couldn't tell why access had been suspended. 

I have also filed a FINRA complaint, assuming you'll simply tell me to do that regardless and being on the cusp of homelessness and needing to start employment promptly, I would prefer the matter to be solved as promptly as possible.
Product: Debt collection

Ally Financial has been using deceptive practices to collect a debt. They disguise their phone number with a local area code, no caller ID and they do not identify themselves as to who they are. They will repeatedly call from different numbers but will keep the same local area code to mine. Everyday I have to block a new number. I have addressed this issue directly with Ally Financial and keep doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has the following information on my credit report and it is not correct : States I am know as XXXX  have never spelled my name this way Shows an address of XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

Shows an inquiry from XXXX. I did not authorize this.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Experian is in violation of my rights by failing to comply with my request to provide written verification on the below accounts, I'm entitled to fair credit reporting and at this moment my rights are not being fulfilled.
Product: Credit card or prepaid card

My wife and I paid the remaining balance on our card ( {$4000.00} ) in one payment to be done. Apparently we did this two days after the last due date. With this, the company ( Wells Fargo ) states that since we paid it two days after, we still have interest for that month. How could I be charged interest for money that is not currently loaned to me? If anything, I could see the two days of interest, however, they are charging me the full month. This is total XXXX. Can I charge them interest for money I didn't loan them? Man, I could become really rich with this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has subsidiaries, notified Transunion that the CFPB investigated the issue and that it was found to fraudulent but Transunion has found the acct as correct,
Product: Credit reporting or other personal consumer reports

My social security on my XXXX credit report is incorrectly listed. There are two social security numbers showing the last four digits, which are both incorrect. 

There were three credit cards ( XXXX XXXX, XXXX XXXX, and XXXX XXXX  ) opened under my name without consent or authorization. I have disputed each on all three credit reports without success. I have notified the Credit Card companies without success. I am a XXXX retired widow living on a limited income. I receive XXXX benefits and can not afford to accrue credit card debt. 

I've put a freeze on all three credit bureaus and have filed multiple disputes. I'm informed these dates are accurate, so it does not appear I have any recourse. These charges have caused me anxiety and distress, which exacerbate symptoms of my physical health issues. 

I am asking for support and assistance to have these unauthorized credit cards removed from all three credit reports. Thank you
Product: Debt collection

Credit Central XXXX : Debt Validation Request XXXX Dear Credit Central I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, to formally request validation of the alleged debt referenced above. Please note that this is not a refusal to pay but a request that your office provides the following information to ensure the validity of this claim : XXXX. Proof of XXXX and XXXX XXXX : The exact amount of the alleged debt, including a detailed breakdown of interest, fees, and any other charges applied. 



XXXX. XXXX XXXX : The name and address of the original creditor. 

A full itemized statement from the original creditor showing the history of the debt. 



XXXX. Chain of Assignment : Documentation showing the complete chain of assignment from the original creditor to your agency. This must include : A copy of the original signed agreement or contract between me and the original creditor. 

A contract, bill of sale, or other legal transfer of the debt showing that your agency has the legal right to collect. 

The names and addresses of all parties involved in the chain of assignment. 




XXXX. XXXX of Limitations : XXXX that the alleged debt is still within the applicable statute of limitations. 



XXXX. Authorization to Collect : Proof that your agency is authorized to collect on this debt in my state. 




Please be advised that if you can not provide the requested documentation within XXXX  days of receipt of this letter, I request that the account be removed from my credit report and that you cease any further collection efforts. Reporting unverifiable information to credit reporting agencies may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, if the debt can not be validated, I request that any negative entries related to this account be deleted from my credit report immediately. 

I request that all future communications regarding this matter be made in writing. 

Thank you for your attention to this matter. I look forward to your prompt and complete response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, I am holding XXXX XXXX with XXXX Miles and More Program. As part of Barclay 's Miles & More Mastercard Benefits ( please see attached screenshot from the Barclay 's ), I am entitled to get Annual Fee Waiver.

I have contacted Barclay 's customer support team over their secure message and phone. None of the representative were able to assist me on this issue. They asked me to contact XXXX which does not have anything to do with Barclay 's annual fee at all. 

Last representative that I talked on XX/XX/2023, called XXXX Miles & More to verify my Senator status. Although the XXXX agent was able to confirm my status, they further asked my XXXX XXXX copy via FAX, yes in XXXX they still want me to FAX a document. 

I sent out 3 faxes under the case number XXXX, and still not yet received any communication or update on my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A. I never authorized these negative accounts to report on my credit report.