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

I contacted Capital One back in XXXX as I noticed I had a 30-day late payment on my credit report from them from XX/XX/20. I spoke with a gentleman about my COVID situation and not working as many hours with the hopes of having this removed. They looked into this and said being that my account was in good standing before and after XX/XX/20 they would remove this 30-day late payment and put me back to 100 % on time payments. I was told this should take place within a couple of weeks with all the credit bureaus. It had been a couple of months, and nothing has changed. I called back in and spoke with someone about this situation and the gentleman said nothing can be done about this. I asked to speak with his manager and even after agreeing that he seen the notes, he told me this was something they did not offer. I asked if there was a reason and if he was familiar with the Cares Act and I was told they do not speak on that. I have to have something sent to me in writing on why this couldn't be done, and he said this also is something they don't do. Thet had already told me it was taken care of and now there is nothing that can be done. All I'm requesting is that you honor what you said you would do.
Product: Mortgage

-mistreated conduct, say '' i don't know " to every question i ask regards his paperwork request. 
-ask for the same documents that i have already provided causing delays process. 
-not filling the documentation on my behave for the city of XXXX XXXX assistance. 
-ignore my Emails. 
-pushing the closing dates for the XXXX time without reasonable explanation or explain my options. 
-asked for bank statement records for over 1 year ago which i don't believe to be with the guidance requirements documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

ally bank ftc violations FTC alleges car dealers falsified consumers income on financing forms By : XXXX XXXX XXXX XX/XX/2018 XXXX SHARE THIS PAGE XXXX XXXX XXXX TAGS : Automobiles XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX and Loans Whether its a slimmer waist or an imaginary yacht superimposed in the background, were all familiar with the dramatic changes that retouching can make to a photo. A lawsuit the FTC has filed against XXXX XXXX XXXX and related companies alleges among other things that the defendants substantially retouched the financial circumstances of customers trying to finance cars. 

The defendants are XXXX affiliated auto dealers in New Mexico and Arizona near the border of the XXXX XXXX. When customers want to finance a car, XXXX includes the terms of the deal in a retail installment contract. Like others in the industry, XXXX seeks to assign that contract to a third party for example, a bank or finance company. To decide whether to accept the contract, those companies will look at the customers financing application, which discloses their monthly income and down payment. If the companies dont like what they see, the deal may not go through. 

The FTC alleges that in many ins
Product: Debt collection

I have a collection from an apartment complex on my credit report that i never stayed a day in. I had filled out an application for a lease but had never moved in to the apartment. Due to complexities with my family I was unable to move in. I've tried communicating with the complex and the company but i never signed a lease. They had it rented out shortly after i moved in and now the collection company is trying to collect for something that doesn't belong to me. Please assist me in getting this removed.
Product: Checking or savings account

On XX/XX/2019, I opened a BMO Harris Statement Savings account. They were offering a {$200.00} bonus for opening a new Statement Savings account between XX/XX/2019 and XX/XX/2019 with an initial deposit of {$10000.00} or more of funds not currently on deposit at BMO Harris Bank or its affiliates and then maintaining at least {$10000.00} in the account for 90 days. The promotion code XXXX   was automatically applied at the time the application was submitted online. I fulfilled all requirements on XX/XX/2019. Since I did not receive the {$200.00} bonus in the promised 120 days, I contacted them by phone on XX/XX/2019. The BMO Harris customer service representative initially stated the {$200.00} bonus will be credited at the same time the interest is paid to the savings account which should be at the end of XX/XX/2019 since the interest is paid quarterly. I explained her the bonus terms and conditions explicitly said the bonus will be paid approximately 120 days after opening as long as the account is open and in good standing. Then, the BMO Harris customer service representative reached the appropriate BMO Harris department to verify there were no issues with the bonus requirements. She called me back and told me the {$200.00} bonus should be already deposited by Friday, XX/XX/2019. Although this new date was 129 days after opening, I accepted to wait an extra 9 days. However, as of today, XX/XX/2019 I have not received the {$200.00} bonus.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against XXXX, TransUnion, and XXXX for multiple violations of my federally protected consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, 1681i ( 5 ), and 1681s-2 ( A ) ( 1 ).

I have previously contacted XXXX, TransUnion, and XXXX to reinvestigate inaccuracies in the reporting of my account details. The accounts in question are as follows : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Despite my explicit requests for reinvestigation, all three agencies have concluded that the information was complete and accurate. This conclusion is impossible, given that the data concerning open dates, dates of last activity, among other details, are incorrect. This misreporting is a direct breach of 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must correct and update incomplete or inaccurate information.

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish information to a consumer reporting agency if they know, or should know, that the information is inaccurate. It is evident that this statutory requirement has been disregarded, thereby jeopardizing my right to privacy and confidentiality, as well as exposing me to potential financial and reputational harm.
Product: Debt collection

did not receive any information or communication whatsoever about this debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, FL XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Prepaid card

On XX/XX/10 I attempted to make a purchase at a Retailer called XXXX for {$570.00}. The gift card balance at the time of attempted purchase was $ XXXXThe first attempt on the merchant website was declined. I then attempted to add the card to a XXXX account and an XXXX account. All attempts were declined. Understanding that sometimes the bank may require a hold 20 % above the purchase price, I then tried to break up the purchases. Another attempt at {$310.00}, and yet again declined. 

From XXXX XXXX XXXX XXXX XXXX  I made XXXX  calls, and on the 6th attempt I was finally transferred to a customer service rep named XXXX. The service rep verified my card using the XXXXXXXX digit number on the back and the 11 digit id at the bottom of the card. I was explained the difficulty completing this transaction, and that my card was being declined. I was then told that my card had an available balance that would cover to purchase, and to try at a different merchant or in person. This particular store is very far away, making an in person trip impossible. This is also for a purchase of something that can not be found anywhere else ( and for my own wedding ) so I do not have the luxury of just using this elsewhere. 
I am not stuck without an option and and may not be able to purchase this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. DISCOVER FINANCIAL SER Inquired on XX/XX/XXXX, XXXX/XXXX Inquired on XX/XX/XXXX, XXXX XXXX DUAL CARD Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Transunion NAME : XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Equifax, XXXX and XXXX regarding XXXX  information ( Ref : Equifax XXXX XXXX : XXXX XXXX : XXXX. Unfortunately, despite filing my initial dispute on XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: Student loan

I have FFELP loans serviced by Navient and owned by Navient Federal Loan trust. It is my understanding that these are federal loans, but I was told by Navient on XX/XX/2020 that I did not qualify for the interest waiver due to COVID because they are not owned by the Ed Dept. All of the news articles say " all federal loans '', and I had no idea mine were not education dept loans until now. It says on Navients website that all federal loan interest rates are set by Congress but mine are still showing 3-7 %. I don't know who to reach out to. Both my husband and I have huge student loan balances due to our medical backgrounds and both of us have had our hours cut in half due to the virus.
Product: Debt collection

I recently discovered an unauthorized debt collection on my credit report from IQ DATA INTERNATIONAL INC. Upon receiving notification of the debt, I immediately disputed its validity by sending a formal dispute letter to IQ DATA INTERNATIONAL INC on XX/XX/year>. In the dispute letter, I clearly stated that I did not authorize the debt and provided evidence supporting my claim, including documentation of identity theft and residency at a different address during the period the alleged debt was incurred. 

Despite my efforts to dispute the debt and provide evidence of identity theft, IQ DATA INTERNATIONAL INC proceeded to place the collection on my credit report, which has negatively impacted my XXXX XXXX. This action occurred even after I invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demanded that all collection activities related to the debt cease immediately. 

I believe that IQ DATA INTERNATIONAL INC has violated my rights under the FDCPA by continuing to pursue collection activities without providing adequate proof of the debt 's validity and authenticity, and despite my efforts to dispute the debt and provide evidence of identity theft. This has caused me undue stress and financial harm. 

I request that the CFPB investigate this matter and take appropriate action to ensure that IQ DATA INTERNATIONAL INC complies with the law and rectifies the inaccurate reporting on my credit file. 

Thank you for your attention to this matter.
Product: Mortgage

I just read about the Wells Fargo consumer mortgage settlement. In XX/XX/2013 I finally escaped the Pick-a-Pay mortgage nightmare by paying off the mortgage balance on a home at XXXX XXXX XXXX XXXX. XXXX in XXXX XXXX XXXX, XXXX, by borrowing the funds from my father. I was tricked into the Pick-a-Pay at last minute before closing by a team of XXXX employees XXXX before the Wells Fargo merger XXXX but was put through months of phone calls, letters, and incredible stress trying to rectify the situation. 
Please contact me with information on what is needed to pursue this complaint. I made the pay-off soon after XXXX XXXX, XXXX  by depositing a cashier 's check from XXXX XXXX  XXXX I closed out my checking and savings accounts at Wells Fargo soon thereafter. 

The insulting run-around I endured resulted in tears and extreme frustration as month after month, the amount of my mortgage payment climbed and no one at the bank would concede that the terms of the mortgage were changed without due process, ( my credit rating was sufficient to warrant the traditional mortgage interest rate I originally requested ).
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX  - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent an FTC report to all 3 bureaus. Pursuant to 15 USC 1681c-2 a block of the information resulting from identity theft is supposed to take place after 4 days. It has been over 4 days and a block has still not been processed. I am in the process of renewing my lease and I am suffering because of these mistakes. You are in violation of federal law!
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S.C. 1681c-2 ( a ), I am entitled to request the deletion of my personal information. I want the account removed from my report. I received a letter from Equifax Information Services LLC stating that my information was verified and the account was mine, Which is a lie. They did not provide any direct proof or evidence. I have not
done business or signed a contract with XXXX XXXX .
Product: Debt collection

I was informed at work that they were served on my behalf to garnish my wages. They served my work under a different last name for me. They never served me to let me know I was being sued. They were not even original creditor and the account was marked as a charge off but I never received a 1099- for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

There was a XXXX  posted for someone else and someone used my information as a co-signer on the XXXX. I was XXXX during the time of this XXXX. It was not me who signed any documents