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

This account is not mine and I have already provided information to the credit bureaus in regards to this account. I have provided as much information that I have and the creditor has been given ample time to investigate. The request for more information that was already given is a delay tactic and I demand this be removed from my report. This fraudulent account is keeping me from being able to buy a home and causing mental and emotional harm. There is no account information as I never had an account with this company. i am left no choice but to take legal action if this account is not removed from my report. A request for information that was already sent via certified mail is not verification or validation of debt. 

Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  XXXX  from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.
Product: Credit card or prepaid card

I applied for a credit card w a XXXX credit score, I was denied. I called Citibank to see why this was denied. Citibank advised I had a card w them back in XXXX as I was an associated account holder and was never able to get a straight answer due to me not being the primary? I never had a Citibank card and never applied for one, they advised that I had an outstanding balance of over XXXX dollars ( what I gathered from talking to over 20 People at Citibank ) I have been trying since XX/XX/XXXX to resolve and can not get anyone to to assist after multiple calls and over 20 employees. All every Customer service rep wants to do is transfer me to another department, I have 8 phone numbers that I have been given by one person or another and everyone has done nothing to assist. I am reaching out to The CFPB as this is a serious violation of FCRA and FACTA Can you Please assist? 
Thank you XXXX XXXX XX/XX/XXXX
Product: Credit card

Capital One on all three accounts is reporting High Credit balances when I only carry no more then {$25.00} on all three cards since the opening of all I pay off total balance every month MOST BALANCES ARE CREDIT HOLDS AND DEPOSITS this is purposely done and shared to other institution so thy can monopolize and control who extends be credit etc
Product: Credit card or prepaid card

Total Card XXXX XXXX XXXXi charged off my card without giving me an opportunity of arbitration per our contractual agreement due to discrepencies and payments. They wrote off the debt for {$510.00} and reported the charge off to the credit bureaus, then later sold the debt to XXXX XXXX. They are both reporting me as delinquent for the debt. The debt should have never been write off or sold without arbitration when the debt amount was in dispute.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I am writing to formally dispute the inaccurate late payment information reported on my XXXX account ( Account XXXX : XXXX ) in my credit report. After thoroughly reviewing the report, I have identified multiple discrepancies regarding the payment history, which appear to be inconsistent and inaccurate across different reporting dates. 

The discrepancies I have noticed are as follows : Date Last Payment : The dates listed across bureaus ( XX/XX/XXXX and XX/XX/XXXX ) do not match, leading to potential inaccuracies in payment status and account reporting. 
Payment Status and Account Balance : The account status is shown as Paid, indicating that the balance has been cleared, yet it continues to reflect a 120-day late payment history inaccurately. 
Last Reported Date : Various last reported dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) create inconsistencies, further emphasizing that the account data may be inaccurately represented.

These discrepancies are not only confusing but may have a negative impact on my credit score and financial profile. I kindly request that you review the account information with XXXX to verify the payment status and delete any inaccurate or inconsistent late payment details from my credit report. 

Please update my records to reflect an accurate status for this account. I would appreciate it if you could complete this review and inform me of your findings within 30 days, as required under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. Should you require any additional information or documentation to facilitate this process, feel free to contact me using the details provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX  NUMEROUS TIMES, BUT THEY NEVER SEEM TO GET ANYTHING IN THE MAIL OR WHEN YOU UPLOAD, TALKING TO THEIR AGENTS SAY WE HAV ENOT RECEIVED ANYTHING IN THE MAIL IF ITS NOT REACHING TO THEM WHY IS IT NOT COMING BACK TO ME. I HAVE ALSO TRIED TO UPLAOD THEY KEEP TELLING ME ITS NOT REACHING TO THEM, I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, KNOWLEDGE.
Product: Mortgage

I applied for a Home Equity Loan through First Tennessee Bank ( XXXX, TN call center assisted ). I asked what is the Maximum amount I can be approved for ; They sent me the proper disclosures based on the estimated value of the house and told me after the appraisal comes back we could adjust loan amount. The appraisal of my home came in higher than we initially thought. XXXX XXXX assisted me through this process and as loan came through underwriting she called me back and said " XXXX XXXX, I know you asked previously what is the maximum loan you can receive. I wanted to call you today to let you know the underwriter is willing to give you a loan up to {$450000.00}. '' I said, " wow, I 'm flattered. Let me think about it and I 'll call you back next week. '' When I called back the next week to accept their offer ( I told them I would take a loan of {$410000.00} ) I learned that XXXX no longer worked at the bank. They passed me off to XXXX and at that time XXXX said my rate would go up .XXXX % if I took a loan of XXXX. I explained XXXX had verbally offered me up to $ XXXX last week and did n't disclose the terms of the loan would change. The bank would n't honor this after I spoke to XXXX XXXX and XXXX XXXX. They agreed to lower my origination fee from XXXX % to .XXXX % because they knew they made a mistake ; XXXX said, " It was XXXX last day at the bank, and she was n't on her " a '' game. '' I appreciate that everyone makes mistakes, however this was an offer from the bank, which I called back and accepted under the current terms ( 3.4 % APY for 15 years ) The bank will not honor the verbal agreement. I consulted an attorney and he said the bank extended me an offer, which I called back and accepted a week later that was n't honored ; He feels the bank is liable ; For your information- The call has been recored and is on file at the bank. He suggested I file a regulatory complaint.
Product: Credit reporting or other personal consumer reports

Dear XXXX, please remove the following accounts listed in the files below. These accounts has been reported fraudulent. I was able to report but I am asking that you guys delete the following accounts. Without those accounts I have a very good credit history.
Product: Debt collection

Choice recovery inc. is attempting to collect a debt in the amount of {$320.00} from XX/XX/2016 that I do not owe because I had insurance through Medicaid/ caresource at the time that covered 100 percent of my medical expenses and have had the same insurance since then to present day. This is severely negatively impacting my credit and has been for some time and I want it removed from my credit report immediately as I know that this debt was paid. I intend to prove this by attaching a copy of my insurance card so that this can be confirmed
Product: Credit card

I tried to work out a payment arrangement with Kohls today. They predatorily raised my credit limit without me asking. I need to close the account because I cant afford the payments any more because I am now XXXX. They refused to help aside from removing one late fee.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts are affecting my credit report. Please remove them.
Product: Checking or savings account

I had lost my wallet which it has my credit cards, so I contacted wells fargo bank and requested a replacement card on XX/XX/2022. On XX/XX/XXXX I received an email that my card is on the way. 

The replacement card never arrived to my mailing address. Fast forward to few days later, there was unauthorized transactions of up to XXXX at various stores ( XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX ) I received a text that said respond Y to confirm the charges, i didn't respond. I reached out to the bank and filed a claim, which they came back and said all transactions are valid and investigation is closed. 

I never received the replacement card I never activated the replacement card I never authorized any transactions Its a business account, I never use that debit card at all. 

I reached out again to wellsfargo to get a proof of how those transactions were verified they couldn't tell me.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX is written as a charge off but I have not received 1099 cancellation of debt form. I did reached out to the creditor requesting 1099 cancellation of debt form. the company have not responded. this account is inaccurate and according to the FCRA all inaccurate and unverified items must be deleted.
Product: Money transfer, virtual currency, or money service

Reference number XXXX I respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service.I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I feel a bit victimized and angry, and a bit like PayPal was pushing me around and doing whatever they wanted with my balance Pay Pal has previously requested for various forms of documents to prove I am a legitimate business in order to release my funds which I complied, to no avail. I understand PayPals need for holding funds for credit card charge back purposes, however a review of my account history will reveal a very low charge back rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an  unnecessary abuse of power. 

All of my customers have all received FULL refunds because pay pal consistently hold my funds which causes delays in my customers funds and products. I Spent countless hours to gain the trust of customers and in the end had to start over again from the point 0. There will be NO Charge back as all of my customers have been all been refunded. I feel that this was a fair resolution while still preventing PayPal acquiring any future charge backs or credit card disputes to my account.
Product: Mortgage

My husband and I pay bi-monthly payments on our home mortgage. Our loan was transferred to US bank sometime last year. US banks has been applying our payments to the principal amount on the loan and sending us states saying they we are delinquent and charges fees. I called US bank in XXXX and the representative tracked all the payments coming in and saw that we were paying bi-monthly and paying before the due dates ( which should give us a credit ). The representative reversed all fees and sent us a current statement. She did acknowledge that their system was not able to distinguish a partial payment vs. a full so it defaults all payments to the principal balance. I asked if we were in danger of loosing mortgage because we wanted to continue paying bi-monthly as it works best with our family 's budget. She said it should not be a problem and that she would note the account so we would not have the issue going forward. We did have this issue again and I called in to have them make the correction and I was given feedback that their system does not recognize partial payments. I don't understand this because their system still accepts all payments. She said that was their policy but I have NO documentation supporting this ( see statement ) I told them of what happened in the past and reminded them of what the past representative had informed me. I spoke with 3 different people and they all wanted to inform me about policy instead of actually making the correction. I informed one rep point blank that " I the consumer was showing and error in US Banks processing of our payments ''. We had payed half of our XXXX payment on XXXX and they are saying we have not paid XXXX at all. I asked them to make the correction and I was just given a lecture about how to pay my own payment. The feedback that I was getting from US Bank was that they were going to keep charging late fees and keep reporting erroneously to the credit bureaus even though they know that we almost a whole month ahead on our mortgage payments. Please see supporting documents. What ever you can do to help would be appreciated.
Product: Credit reporting

Experian has reinserted the creditor XXXX XXXX on my Credit Report. I contacted both XXXX XXXX XXXX and Experian notifying them that the debt does not belong to me. The address that XXXX XXXX XXXX had associated with me is not my address and has never belonged to me. They also attempted to add and report a new address to my credit report file after they were removed from credit report and now they are reporting back on my report. XXXX XXXX XXXX has used different tactics to add information to my report even though it does not belong to and Experian does not provide their methods of a reasonable investigation. Accepting the electronic answers via XXXX is not a reasonable investigation. I would like to know what type of investigation has been conducted by Experian to report XXXX XXXX XXXX on my report and why are the back on my report. How can they attempt to report different addresses on my report. They are phishing for information so they can report on my credit report they do n't. XXXX XXXX XXXX needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
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 Account # XXXX, 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

CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? 
XXXX XXXX. Provide provide proof you have complied with XXXXederal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law.

Discover Bank and all the Credit Reporting Agencies XXXX, XXXX, XXXX are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, Discover Bank will be sued in Federal Court.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Checking or savings account

I opened a new account online on XX/XX/2020 and deposited my stimulus check. It cleared and I made 3 XXXX transfers to my fiance account. By XX/XX/XXXX my account was blocked due to either recent activity on account or not providing information requested. When I called I was told they needed 2 forms of identification or account would be closed. Before I could go to branch my account was closed and I was told from customer service that my remaining balance of {$260.00} would be mailed to me within 10 days. That was on XX/XX/2020. Today is XX/XX/2020 and still no check and no news from Chase Bank on status of check.