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

I have 2 inquiries on my reports that I did not make. One from XXXX and another to XXXX XXXX. Iwas monitoring my credit reports and I see two separate inquiries I did not authorize. I tried to dispute and ask for the items be validated or removed and they remain with no validation
Product: Credit card or prepaid card

On XXXX XXXX, XXXX at about XXXX p.m. I attempted to enter into my Capital One XXXX account to make a payment. I received a system error message ( a similar screenshot is attached ). 

At about XXXX p.m., I called Capital One to see what the issue was and was connected with " XXXX '' at Capital One customer service. First, " XXXX XXXX said that I called last month claiming I wanted the account closed ( not true ). Next, he said that the account was closed due to possible fraudulently activity. Obviously, I was concerned of identity theft, so I pressed " XXXX '' for more details. 

" XXXX '' then accused me of fraud by saying that the account was opened fraudulently. I challenged this assertion, noting the account has been open for years and I paid every month on-time. I also questioned why if this was a possible fraud case I have not received ONE NOTIFICATION regarding these issues with my account. " XXXX '' then said I would need to wait to be contacted and " XXXX '' refused to divulge any more information. I then asked to speak to " XXXX 's '' supervisor. 

I do n't have " XXXX 's '' direct supervisor 's name, but the supervisor basically told me the same information as " XXXX. '' I then demanded to speak to a senior XXXX and after XXXX-minutes on hold I spoke to " XXXX. '' " XXXX '' said the account has been identified as a possible fraudulent account since XXXX XXXX and it has been closed. I then repeated my concerns that the first I am hearing about this is when I called about issues regarding my account. " XXXX '' claims a letter was sent by mail to my home ( not true ). Further, I did not appreciate being accused of fraud with no proof. Or, if I 'm the victim of identity theft, that I stand idly by until Capital One decides how to resolve this while leaving me in the dark with no information so that I can take steps to protect my credit. 

After being on the phone for XXXX-hour and XXXX-minutes, " XXXX '' said she would do nothing more for me and hung up the phone. I have contemporaneous written notes taken to back up all of the details above. 

Today, on XXXX XXXX, XXXX at about XXXX, I tried to log in again to make a payment and received an error message ( screenshot attached ). To this date, I have not received ONE MESSAGE from Capital One regarding the issues with my credit card.
Product: Debt collection

I return a call to XXXX XXXX XXXX XXXX XXXX 's located in XXXX, NY. I get calls at all hours and lots of them saying they are going to sue me, if I do n't pay they are going after my husband too. I get XXXX different numbers to call, called back a XXXX XXXX for her to be nasty and hang up when I asked to talk to her supervisor, that if I do n't pay they will seek legal action resulting in me paying the bill+court cost+lawyer fees. I never ever open this account and I tried to tell her that but she would n't hear me out. I look up the numbers and a XXXX XXXX shows up at the address and location she gave me. Number look up basically gave me the same things. I do n't know what to do at this point I am a laid off stay at home mom of XXXX young kids, my husband works XXXX jobs to keep us a float, I was just in a accident and was injured I have no time to go back and forth with these people. Help.
Product: Credit card

I am XXXX XXXX military trying to apply the Louisiana SCRA benefits to my American Express accounts. They have failed to honor adding it to my accounts after 3 separate attempts.
Product: Debt collection

To Whom This May Concern : LVNV funding is reporting an account on my credit reports ( namely XXXX, XXXX, and XXXX  ) that does not belong to me. I have no knowledge of any debt with this company, and I have never received any correspondence letters, phone calls, etc. from them. I contacted them via mail requesting debt validation on XX/XX/XXXX using the contact information listed on my credit reports, but I have not received a response. Per the FCRA debt collectors are required to send a written debt validation notice, and this company has not done so, which places them in violation of the Fair Credit Reporting Act, which can carry fines up to {$1000.00} in court. Furthermore, I filed for Chapter XXXX bankruptcy XX/XX/XXXX, and the docket number is XXXX. All of my outstanding debt was included in this bankruptcy, which was discharged on XX/XX/XXXX. Since my discharge, I have not applied for or obtained any new debt, so it is impossible for me to owe this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i got in contact with Experian wrote a dispute DEMANDING Experian to REMOVE 2 collection of : XXXX XXXX  and XXXX XXXX  of my account that are being reported inaccurately they never responded back, I've disputed these 2 collections with the 2 bureaus XXXX  and XXXX and they REMOVED them instantly ..Experian has violated my constitutional rights the list below follow : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains
Product: Credit reporting, credit repair services, or other personal consumer reports

i whole heartedly disagree with lvnv fundings response to my compliant. Lvnv funding can not prove anything. Account statements and a card holder agreement is not enough proof to collect a debt. i am requiring for lvnv to provide a contract that bears my legal signature that obligates me to even pay this debt. I am requiring for them to provide any internet Ip addresses that proves i initiated anything. the supreme court has ruled that account statements is not considered adequate in debt collection processes. Anyone can fabricate a statement of accounts, any one can get a card holder agreement online. Where is the actual proof this account belongs to me. Also the record should state that the lawsuit was not dismissed because of an expiring statue of limitations. The law suit was dismissed because of lvnv funding inability to provide the necessary documentation that i requested proving the validity of the accounts in question. the lawsuit was dismissed because they could not provide any legal proof! the statute of limitations expired after the case was dismissed. Futher more missing from the information they provided is a bill of sales proving they purchased this alleged debt, A transfer of ownership, any witnesses that appeared during the transfer, and proof they can collect in the state of Delaware. This is information they must legally provide. 

i am asking for : XXXX. ) a contract that bears my legal signature proving i owe this debt XXXX. ) Any internet ip addresses that can be tied to me XXXX. ) bills of sales agreement showing the purchase of the debt XXXX. ) transfer of ownership XXXX. ) witness statements that this debt was actually sold XXXX. ) proof that they can collect in my state CFPB please be advised that i will start the litigation process and will use this information as proof against lvnv funding.
Product: Credit reporting or other personal consumer reports

I am a natural, living human being, and I have rights under 15 USC 1681. Experian is governed by 15 USC 1681, and they violated my rights numerous times. Additionally, I have disputed these account multiple time and Experian refuses to update and/or remove the accounts from my credit profile. Experian continues to report inaccurate information on my credit profile, which causes additional hardship when applying for necessities that require my credit. This is a defamation to my character and caused higher rates on my auto loans, home mortgage, and credit cards. I demand that the accounts listed below to be removed because according to 15 USC 1681, I have the right to privacy and did not give Experian written permission to furnish these accounts. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX agreed to a settlement & to remove negative info off of credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a last resort to get the issues with my credit finally resolved. It has been well over 60 days with absolutely no response from the credit bureau which is showing complete disregard for the laws governed under the FCRA. Please help
Product: Credit reporting or other personal consumer reports

Indentity theft. Someone obtained my social security number and tried to take out several loans under my name a may have successfully done so to a few. I have several inquiries on my report that I know nothing about I was not trying to take any loans in almost 2 years. 

Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

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 XXXXXXXX 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX , a lender that I have had a roughly 8 year relationship with and having never been late for a payment, incorrectly reported to the credit agency Experian that my installment loan account was in " past due '' payment status, when it is, and always has been, current. I called them a month ago, and they have failed to fix this, resulting in my being rejected for an auto loan.  XXXX    XXXX   are crooks. Steer Clea r!
Product: Checking or savings account

My account was suspended for over 5 days with no explanation as to why or what the problem was with my account. I was out of the country during the locked/closure and was forced to stay an additional 3 days until I was able to secure funding to afford to return to the United States. The money in the account ( {$3800.00} ) has not been returned to me. The money is all that I have and is not only working capital for my XXXX but also money for my basic living expenses. I have incurred shut offs, late fees and returned check fees because of this account closure. I was denied a PPP loan for {$17000.00} because of the account being closed right before finalization of the loan. I am unable to pay my rent or cover XXXX expenses, the account closure has prevented me from feeding my family, paying medical co-pays for medical care, I do not have the money to put gas in my vehicle. I had several automatic payments tied to the account including educational and professional webpages that I can no long access without making my account current. This action by XXXX has put me, my family and livelihood in jeopardy. Everyday Im losing money and this is only exasperating the situation to a point that has become untenable for me. I have not receive my money or even a good reason as to why this action was taken towards me. The customer service is just pre written responses that state I will receive an email explaining why. I have not received that yet.
Product: Credit reporting or other personal consumer reports

I have previously submitted disputes to the major credit bureaus regarding multiple fraudulent accounts that were reported on my credit file. These accounts are as follows : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX These accounts were disputed on the grounds of identity theft following a widespread data breach impacting millions of consumers. Despite my efforts to correct these inaccuracies through disputes under Section 1681i of the Fair Credit Reporting Act ( FCRA ), the responses from the credit bureaus have been unsatisfactory. The fraudulent accounts have not been removed, impacting my credit score and causing significant financial and emotional distress. 

I have attached all relevant correspondence with the credit bureaus, including my dispute letters and the supporting documentation provided to prove my identity and to substantiate the claim of fraud. 

This unresolved issue has compelled me to seek intervention from the Consumer Financial Protection Bureau to ensure a just resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has provided me with a copy of my XXXX credit report. As I have noticed that none of the five collection accounts belong to me. Can you send proof that these are my accounts?
Product: Mortgage

On XX/XX/21, we closed a refi with XXXX # XXXX, and the first payment was due XX/XX/21. We made the first payment on XX/XX/21 via XXXX with XXXX in the amount of {$4600.00}. On XX/XX/21, we received notice that the loan was transferred to Mr.Cooper, under loan # XXXX. I set up auto-pay to begin XX/XX/21. The XX/XX/21 payment was drafted successfully. I contacted XXXX to track the XX/XX/21 payment to Mr. Cooper and they advised that a bulk wire was transmitted via fedwire on XX/XX/21 under reference # XXXX for {$10000.00}, which included two other payments. 
I have made numerous inquires via phone, email, and account messaging to no avail. A research ticket was opened on XX/XX/21 under # XXXX ; on XX/XX/21 I was notified the ticket was under review. I sent another follow up on XX/XX/21 and received another scripted reply under ticket # XXXX. 

Meanwhile, the XX/XX/21 payment was debited and included an additional {$1000.00} to apply to the principal. On XX/XX/21, I received notification that the {$1000.00} applied to the principal was placed into an unapplied funds account until the balance of {$3600.00} is resolved. I spent an hour on the phone with XXXX, who provided me with all the backup showing the payment was made and transferred. Now I fully expect there will be late fees and credit bureau reporting, which should be against regulations when there's a pending ticket regarding payment. The consumer suffers through the process when the mortgage company should be held accountable. 

I am hard-pressed to believe that a servicing company dealing with payments all day long can not reconcile a simple wire for three mortgage holders. The entire process of mortgage transfer should be pretty straightforward. Simply follow the law, regulations, and your own policy and procedures! As a professional in the financial crimes industry, I am suspicious of Mr.Cooper redirecting my funds to a suspense account, instead of following the transferring account payments. 

( As an aside, if I were performing their XXXX audit ( my core business ), I would be reviewing that suspense account for unusual or suspicious activity. ) Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on this publicly traded security. The incorrect information contains numerous errors that need immediate correction. I assert my rights under the Uniform Commercial Code ( UCC ) 1-308 to have these inaccuracies promptly addressed and removed. 

The publicly traded security in my consumer file contains false information and needs to be removed. Specifically, the following names listed on my report are incorrect : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I have not, nor have I ever, gone by these names. I do not have a middle name, and this information must be corrected immediately. 

Additionally, the following addresses are not mine and are non-mailable addresses, requiring prompt removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Moreover, the following phone numbers are incorrect and should be removed from my consumer file : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX I am the rightful owner of this credit file and request that these inaccuracies be corrected to reflect my true information. I deserve to have my rights respected under UCC 1-308. 

Please investigate this matter, remove the inaccurate information from my consumer report, and send me written confirmation of these changes. I appreciate your prompt attention to this urgent matter.
Product: Checking or savings account

My Bank of America checking account was closed, due to fraudulent activity. I was not aware, but Bank of America didnt seem to be interested as they skipped straight to account closure and said Im more then welcome to reapply but Im not guaranteed. I think I may be in debt because of this and I dont really know how to go about it. I was given poor customer service on the phone who only listened to me for a few seconds then forwarded me to the closure department.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I spoke with a TransUnion representative who stated that by Monday the inaccurate Bankruptcy that TransUnion is reporting would be removed by today Monday XX/XX/XXXX. I called today to follow-up because TransUnion continue to report this inaccuracies after being provide proof of the inaccuracies. I was told today that the bankruptcy would not be removed until XXXX. I stated to the agent that that's incorrect and that I was told that this bankruptcy would be removed by today XX/XX/XXXX. I asked to speak to the supervisor and explain to him what was going on and what was told to me on Friday. The supervisor proceeded to lie and state that the court house verify the information. I can provide a letter that has been provide to TransUnion several times stated that the court does not report to the credit agencies, and because they don't report can you ask TransUnion what court that they are getting this fraudulent information verify with. TransUnion continue to report this bankruptcy of my credit file to damage my credit worthiness and to ruin my reputation. TransUnion is attempting to bully me as a consumer to give up with the dispute process of them reporting inaccurate information. Under the FCRA, I has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. TransUnion continue to state that the court has verified this said bankruptcy. I have attacked a letter from the court stating that they don't report.
Product: Checking or savings account

I had a unauthorised charge on my chase business account. The charge was XXXX dollars. I contacted chase and they gave me a XXXX temp credit. They claimed the company changing provided all the proper information for the charge and then took the credit back leaving a charge of XXXX on my checking account. Now chase has cut workers during this pandemic so it's a minimum 50 min wait on hold to talk to a person. So i use their message system. Now the merchant who charged has claimed they reversed the charge and have nothing? Contradictory to chase bank, now chase is saying there was no money taken from my account? I only have the 3 charges and credit to equal - XXXX in my account. Basically my money is gone. They are highly incompetent and take days to Respond and never give details. They have cut staff and continue to avoid answering where my money is at! They have held my money in one way or another since XX/XX/XXXX!!!! They are profiting off this pandemic by basically withholding money and making it very hard to contact them, they are a bank and should have no right to play with peoples money during a pandemic. I personally believe they are using this pandemic to profit from their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have several unauthorized and inaccurate accounts on my credit file i need them removed