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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

XXXX XXXX
Product: Credit card

a third party company Midland credit is contacting me for payments. I wrote asking to request validation of the debt claim under the fair debt collection PracticeAct 15USC 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately reporting and I've demanded Transunion to remove and discharge but they refuse. This account was verified as inaccurate by both XXXX and XXXX. They have accurately updated my reports. Transunion is aware of this and still refuse tor remove or update the account accurately. This is intentionally keeping me for gaining access to capital. I've sent an affidavit to their attorneys XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. They are still refusing to correct my consumer report. 

I've sent this request before. XXXX verified the account was inaccurate and removed it via complaint XXXX. Transunion did not remove nor provide copies of the XXXX XXXX documents requested to validate their findings. The complaint # XXXX. 

I've also asked for an inquiry, XXXX XXXX XXXX dated XX/XX/2022 to be removed. This is not my inquiry and I demand it be removed. 

It is your responsibility to make sure I'm treated fairly and my consumer rights are still being violated from this issue. Please assist me with resolving this matter this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX  acct no. XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 I sent in a dispute letter to XXXX  asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.
Product: Credit card

I hope this message finds you well. I am writing to bring to your attention a deeply troubling issue that has recently arisen concerning my application for a credit card with the North Carolina State Employees ' Credit Union ( NCSECU ). 

As a dedicated member of NCSECU for over two decades, I have consistently demonstrated my commitment to financial responsibility and integrity. Throughout this time, I have diligently repaid every loan extended to me by NCSECU, and I have successfully paid off a previous credit card issued by the institution. Additionally, I maintain a flawless payment history on my existing credit card, which has never once been late.

Despite my long-standing loyalty and exemplary financial track record, I was shocked to receive a denial for my credit card application. What troubles me deeply is the apparent discrepancy in treatment, as individuals with comparable credit scores have been approved for credit cards by NCSECU while I have been denied.

Moreover, as someone deeply entrenched in the finance industry, specifically serving as a finance director at a reputable dealership, I have witnessed NCSECU approving loans exceeding {$10000.00} for individuals with credit histories far less favorable than mine. This inconsistency raises serious concerns regarding fairness and equity in NCSECU 's lending practices.

It is disheartening to believe that my application may have been denied based on factors beyond my control, particularly when my record of financial responsibility and loyalty to NCSECU speaks volumes.

I implore NCSECU to conduct a thorough review of my credit card application, taking into account my extensive history with the institution, impeccable repayment track record, and current credit standing. I firmly believe that these factors warrant a reconsideration of the initial decision.

I stand ready to provide any additional documentation or information that may assist in the review process. Furthermore, I am more than willing to engage in open dialogue to address any concerns or questions NCSECU may have regarding my application.

I trust that NCSECU shares my commitment to fairness and equity in its lending practices and will take prompt and decisive action to rectify this situation.

Thank you for your attention to this urgent matter. I eagerly await a favorable resolution and the opportunity to continue my positive relationship with NCSECU.
Product: Mortgage

I applied for a loan Modification 6 years ago & was granted a Trial Modification I made all the trial Payments & was denied the Permanent modification  by Wells Fargo Stating th at I apply again & again I have applied 6 times but to no avail, They tried t o Foreclosed & the Court denied  the request, My Interest rate is 7.5 % & they refused to lower the Interest rate & using 7.5 % & each time I can not qualify as the rate is too high, Never once reducing the rate to make qualification possible, We are in Court & the Judge issued a Court Order on  XXXX   XXXX   2017 sta ting that I apply again & submit another Modification Package be  XXXX   XXXX     2017, I   ca lled Wells fargo I was  informed that under no circumstances will be granted another Modification period,  Inspite iof the Court  Order I have sent Faxes & called yet I can not get to submit the New Modification Package as required by the Court.
Product: Debt collection

I had a best buy card thru citi. I became late and it was in charge off. I worked out and agreement for a XXXX percent settlement with citi with XXXX payments. I paid XXXX monthly for XXXX months but the last payment was during covid and they agreed to break that remaining portion into smaller XXXX payments because of job lose during covid shutdowns. I paid the amounts and citi was waiting the remaining XXXX on the account and said it was in good order. They then apparently sold the amount they waived off to XXXX XXXX XXXX and they have refused to verify the remaining debt is mine. They only send a old copy of the statement from when I was still repaying the settlement and a letter that says they bought the debt. The remaining XXXX was to have been forgiven as the agreement was I pay XXXX percent of the balance and citi would report the account as payed as agreed on the credit report. Instead they sold the remaining XXXX and won't fix the issue.
Product: Payday loan, title loan, or personal loan

On this date, XX/XX/2020 I received a phone call from Capital One Bank collections department stating that I was overdrawn in my checking account. As I have had a {$10000.00} credit line fully available ( no outstanding balance ) attached to this checking account for well over a decade, I informed the caller of that and she said she could not help me - that was a different department and they were not available for me to talk. The ONLY thing she cared about was she just wanted the overdraft covered. 

I then pulled a checking account statement and called the number posted. After a very long and significant wait a gentlemen answered and reviewed my account. He infomed me that Capital One as a Company decided to Close All credit lines and Not honor them any longer as of XXXX of this year! I told him that I was NEVER informed of this decision and that I wanted to know why - he only said that Capital One claims to have sent a notice which I NEVER received. I purposely was using the line to make a payment of my mortgage. They honored the check at least but without knowing the line was cancelled an they not providing any proof of notice the account was overdrawn! I did not learn this until I eceived the prior mentioned call ... .from collections! To add insult to injury, they have closed ALL the branches near me so I cant go there and they charged me an over draft fee of {$35.00} which the man on the phone said he would NOT reverse! A fee that should NOT have been charged and would NOT have happened if not for their despicable action and NO NOTICE!!! This bank should NOT be allowed to operate AT ALL in this country. I will seek another bank but want to know how they could be allowed to take this drastic and improper action. The credit line cancellation has also obviously adversely affected by credit score. Had I been properly noticed I would have closed the account then BUT, in any case, to close this line in the middle of a COVID crisis is despicable!!! I await your response. TY
Product: Credit reporting or other personal consumer reports

This company ( XXXX ) on my credit report even when I explain this is identity theft It happened XX/XX/year>, and I believe for XXXX
Product: Checking or savings account

I opened a checking and savings account with Capital One toward the end of 2023 ( that itself was an unnecessarily long and drawn-out procedure involving many headaches ) and deposited some checks at the atm. 
when I tried using my debit card it did not work. I called the bank and was very frustrated with their terrible customer service. After seeing nobody helping me over the phone, I finally went to their XXXX XXXX location. 
I told them what my problem was. They said it looked like fraud because I had deposited checks of different amounts, and from several places. After I provided them with my ID, social security number, and phone number ( every .single. time. ) and explained that as a XXXX XXXX  I had received checks from the XXXX XXXX XXXX XXXX XXXX they still kept me locked out of my account. 
I asked them why they couldn't give me the checks I deposited, and they said that once a check is in the ATM it's void. 
They told me that the only way for me to access the funds would be to give them the phone number of the business owner from every business I had a check from. they also clarified that the number must be VERIFIED TO THE BUSINESS OWNER. ( they can't speak to a secretary, etc. ). I worked for XXXX XXXX XXXX XXXX and I don't really have a way of getting the contact info of the business owner. 
Then they told me they would close my account if I did not take action. I was more than happy about that, but they closed my account and did not send me anything other than a bank statement showing a total balance of XXXX. 
Basically, I got horrible customer service and bad manners from Capital One employees, and now I am left with several XXXX dollars stuck in a closed account. 
I hope that you can help me with this. 
THANK YOU. 
P.S. I know several other people who also had difficulties with Capital One...
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Pennsylvania Department of Transportation 's Repossession Laws, the Creditor, XXXX, was to follow laws put in place to protect their business and myself. The law states that I should have received a letter notifying me of the repossession allowing me 15 days to try and recover the vehicle before auction, and second, I was to receive a letter after the auction that stated the sale price and the new deficiency. XXXX DID NOT SEND THE LETTER which means they are not in compliance with Pennsylvania Laws. For that reason, for an error on their part, the repossession should be removed from my credit file because they are not in compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a B of A mortgage which has never been late in 10 years, i sold the property. Escrow and myself contacted b of a on recorded lines 5 times to inquire should i send the payment before the XXXX because escrow was going to close on the XXXX and money would then need to be sent back because the payoff would over pay the balance. 3 b of a employee 's ensured o would not get a late payment as long as the payoff took place within ten days after the XXXX. The payoff took plae 6 days after the XXXX and i was assessed a late payment one month later.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025- CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX
Product: Credit reporting or other personal consumer reports

Called and requested to take a better look and please delete it someone is using my information We will look into it Weeks later called back and said to go another route to getting it off my credit Reached out to IRS and received a PIN yearly!! 
Reached out to identity theft and working on freezing my credit 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

This complaint is serious and is not sent in error. The inaccurate information in my XXXX XXXX has caused me frustration and inconvenience as it has impacted my ability to secure XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX please fix my credit report. I asked you to remove my late fees. You removed them, but you reversed them to other months why did you do that? Thats very fraudulent and thats not cool at all. This was a prepaid credit card XXXX dont owe you nothing and you took money out of my money to pay for your late fees. Please fix this because this is fraudulent and Im gon na be reporting this to the FTC, you didnt do anything but make matters kind of worse
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a fraud alert XXXX XXXXXXXX XX/XX/2022 from my bank. It seems as though someone tried to open a credit card account with XXXX XXXX bank using my social security number. 
I am in the process of notifying all XXXX credit agencies ( XXXX, Equifax, & XXXX ) to put a freeze on my account so that the XXXX can not be used until further notice.
Product: Debt collection

Regional Adjuatment, phone number XXXX out of XXXX Tennessee. This company called my brother in law asking for my sister to talk about a debt I owe. I have never provided any information other than my own on applications for credit or medical billing. I contacted the company to get their information, but they would not give me any information regarding what kind of debt this is because I do not agree to be on a recorded line.
Product: Credit card

On XX/XX/XXXX, while traveling in XXXX, XXXX, I stopped at XXXX XXXX ( a restaurant ) and got 2 fish tacos, a seafood soup and a lemonade. According to the menu it should have cost XXXX pesos ( which would be {$11.00} in XXXX dollars ). The merchant never provided a receipt. 

After returning home I noticed on XX/XX/XXXX that I had been charged {$1500.00} USD ( an overcharge of {$1500.00} USD ). I tried to resolve the issue directly with the merchant. I called the restaurant and asked for a receipt. They messaged me back that they didnt have one ( see attached document ). When I sent them a snippet of the {$1500.00} charge they stopped responding to me. 

I filed a dispute with my bank ( BofaA ) on XX/XX/XXXX and the bank requested I provide additional information. I sent an initial response, but before I was able to get all the documentation the bank requested, they rejected my claim for the first time on XX/XX/XXXX, without conducting a reasonable investigation. This was just under 2 days after I first filed my dispute. 

When I reached out on XX/XX/XXXX the bank agent admitted that they made a mistake by closing the dispute, re-opened it, and requested that I fax in the information that I have. I submitted what I had, including documentation of my attempts to resolve the issue with the merchant ( see attached document ). On XX/XX/XXXX the bank again rejected my claim, writing that I did not have a receipt. That same day I called the bank and requested documentation regarding the closure of my claim. The bank agent again confirmed that they didn't review the information that I sent and re-opened the claim for the third time. 

On XX/XX/XXXX the bank notified me that they had rejected my claim again. 

It is clear that the bank has mishandled the claim and has not completed a reasonable investigation. I do not believe that they filed a dispute/chargeback with the merchant 's bank and allowed them to to respond to my claim. 

Additionally, throughout the process, while my claims were still open, the bank failed to provide me with a provisional credit and remove the charge from my account. 

In my 22 years with BofA this is the only dispute I have filed. I am outraged that BofA would treat a loyal customer like this, without minimal investigation, especially with such a large sum of money.
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any account not later than 4 business days after the receipt. Also, the information provided on some account are UNKNOWN to me and I have doubts about their accuracy. PLEASE DELETE this FRAUDULENT ACCOUNT. 
XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank my care credit reported me late and also have the incorrect balance. I always paid on time and never late. I need assistance with getting the corrected. Thank u
Product: Debt collection

Conn 's Appliances is reporting a debt not owed and showing several different amounts owed on all three credit reports. It is important that Conn 's Appliances remain true to their 130-year history of quality customer service and satisfaction. This account was paid in full.
Product: Checking or savings account

I have been trying to link my pnc bank account to a few apps and it's not allowing it. This is a problem with pnc bank that needs resolved asap