23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX today I want into bank location Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX and their phone number is Phone : ( XXXX ) XXXX today make a withdrawal and a deposit and they told me they couldn't do both my account was supposed to be closed out and they ask if I know if it was supposed to be closed out I say no and I ask them to print out the letter but they couldn't and I ask for a date when it will be closed out but they couldn't see a date on the letter they told me I want y'all to keep my account open I didn't do nothing wrong to have my account close out or verify if my account will be closed out if so when what date if not get it fixed and tell the bank it won't be closed out if it will be closed out let me get all my funds out my account in person or send me a check with all my funds and plus any credits I get to the accounts and deposits to the account and also add my welcome new customer bonus to my account for {$300.00} I never got to my account yet and send that to me in the mail by a check or allow me withdraw it out in person and allow me to do withdrawal and deposit before it get closed out if it true and also close out my saving account and checking account automatically and my ssn is XXXX my address is XXXX XXXX XXXX XXXX Pennsylvania XXXX you can contact me at XXXX etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Notice of Negligence under 15 U.S.C. 1681o ( Fair Credit Reporting Act ) To Whom this may concern, I am writing to formally dispute inaccurate information on my credit report and to address your organization 's negligent failure to comply with the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681o. 
Upon reviewing my credit report dated XX/XX/XXXX, I identified the following inaccurate information : That of the following disputed accounts or items that are not on this list of things that are mine, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my only address is the one stated at the top of this letter, my phone numbers are XXXX and XXXX these items are mine everything else should have not been still on my credit reporting. 

Under the FCRA, you are required to ensure the accuracy of credit information and conduct a reasonable investigation when disputes are submitted. Your organization 's failure to maintain accurate records and investigate my previous dispute ( s ) has resulted in financial and reputational harm, including not being able to build a business, out of pocket spending back and forth to mail off the disputes, also such as loan denials, increased interest rates, emotional distress and more.

As stipulated by 15 U.S.C. 1681o, you may be held civilly liable for negligent non-compliance with the FCRA. Therefore, I am requesting the following immediate actions : Correction/Deletion : Remove or correct the disputed information from my credit report.

Written Confirmation : Provide confirmation of the correction and an updated credit report.

Compensation : Address any damages caused by your negligence, as permitted by law.

Please treat this matter as urgent and provide a written response within 30 days of date above in compliance with FCRA guidelines. Failure to respond adequately will compel me to pursue legal remedies to protect my rights.

I have attached copies of my ssn and utility bill for your review.

Thank you for your immediate attention to this critical matter. 

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

I discovered that some of the information was erroneous. The EXPERIAN credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XX/XX/XXXXXXXX Balance : {$0.00}
Product: Credit reporting

I have repeatedly asked for validation of debt from this reporting agency and this company will not comply with my requests .To my knowledge the original creditor is an apartment complex and I am not sure at this time what this bill is for .This is affecting my credit score and if I can not get a validation of debt please remove from all XXXX credit bureaus. Also do they have the right to charge interest on this type of account. I am not sure what else I can do but get a lawyer involved if this is not resolved. 

Last Reported XXXX XXXX, XXXX Collection Agency HUNTER WARFIELD INC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$760.00} High Balance {$660.00} Remarks Account information disputed by consumer, meets FCRA requirements
Product: Debt collection

I withdrew from classes at XXXX University with a documented medical emergency. The documents were sent in over-night mail to the main campus. The issue was not addressed and they did not respond to my correspondence. Instead they billed me for classes that I only attended ONE day. They sent information to the credit bureau in attempt to ruin my credit, this is what I was told. This happened in XXXX 2012
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, there was a government shutdown which affected my business tremendously. I am a XXXX XXXX XXXX and I do a lot of XXXX and XXXX XXXX XXXX XXXX. Because of the shutdown, HUD and all of the government agencies were all closed which caused all of my loans not to fund. I work on 100 % commissions, so this halted ALL of my income that I make. I spoke to someone at XXXX and they told me that since my business was affected by the government shutdown, they would extend my payment for 60 days and that I would not be reported late on my credit report, I was assured of this. 

Once the government opened up towards the end of XXXX, my loans were able to move forward toward closing and once they did, I paid the TOTAL balance off. 

Well, a few months later after checking my credit, I saw that I had a 30 day late on my credit, and they did not follow through with they told me. They actually said I was 60 days late which was not true, and ALL of the bureaus were reporting a 30 day late except Equifax was reporting a 60 day. I looked even on my XXXX online account and XXXX was showing online a 30 day late on my report NOT a 60 as Equifax was the only one showing. 

I spoke to a few people even a supervisor complaining about this and they said they can not legally take it off because it was not XXXX fault which I completely disagree with. 

I have never, never been late on XXXX except for when the government shut down, and I have paid them at least XXXX to XXXX a year in payments since I had the card, so this is very unacceptable. 

I am currently trying to buy a house for my wife and my XXXX to have a nice place to stay, and my current lender will not do the loan with the late on my credit. 

I am a veteran and trying to do a VA loan, so I really need XXXX to follow through with what they said they would do. I need the late payment from XX/XX/XXXX to be taken off of my account due to a representative telling me incorrect information. 


Since I have always paid my XXXX on time and I spend much more than the average person with my XXXX XXXX, I think that they should take off the late payment, and I can set up autopay so that I never have this issue again. Having great credit is very very important to me, and I have worked very hard to get my credit in the 700s Whenever you call XXXX you are always connected so someone in XXXX, so maybe there was a language barrier and the representative gave me the incorrect information, but I am 100 % they told me they would put my payment off for 30 days. XXXX reports every 60 days, so I would have never had a late payment. 

Please help me get this off of my credit so that I can be able to finally get my wife and XXXX the new home that I have always dreamed of. This will be my first home I have ever owned. 

Thanks so much XXXX XXXX
Product: Vehicle loan or lease

Requested a copy of 1099c since they written it off as a charge off ( a profit loss ) on their taxes and they were supposed to provide me the 1099c copy so I can write it off as income. They did not do it. At the same time, they are still reporting on the credit report that I owed the balance even though they took a tax break.
Product: Credit card or prepaid card

On about XX/XX/2017 I had a American Express Serve pre paid credit card I used for purchasing items and Renting automobiles at certain times, I actually lost the card and I contacted customer service as soon as I lost the card, They really gave me the run around for about 3 to 4 weeks, They also were suppose to send me a new card with my funds to be transferred onto the new card, but nothing happened. Money is still on the card there was {$2000.00} on the card, I am asking for the amount that was on the card. Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to follow up behind my frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. I first noticed the late open accounts issue and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 
The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I am asking for your immediate assistance that these accounts should be correct right away : XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXXXXXX Balance {$2900.00} XXXX XXXXXXXX Balance {$130.00} XXXX Inquired on XXXX XXXX, XXXX
Product: Credit card

Last year I was solicited for a bumper to bumper warranty product from what turned out to be XXXX different companies that were both charging me for an un necessary warranty on a car I am leasing that has a full factory warranty in place. 
I would like a refund as both companies mis represented the facts to me claiming that I could n't use the other and ended up both charging my credit card. 
I eventually changed the Capital One Card number to avoid additional charges. 

I would like assistance in obtaining refunds from these XXXX companies who I feel turned out to be scam. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ Both companies were charging my card for {$110.00} and {$200.00} for roughly 8 months each. 

They were charging my Capital One Credit Card. 

I am XXXX and my son recommended that I reach out to the CFBP to help me in sorting out this mess. I do take some responsibility for providing my credit card, however I feel they mis represented facts and confused me and I didnt realize I was getting charged by XXXX different companies for many months. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
Product: Consumer Loan

I am being contacted everyday XXXX times a day at minimum about a payment that should be made on a car loan. I have told the lender several times I will pay. They continue to harass me and every number they have, also intimidating my poor grandmother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY REPORT AND SAW FRAUDULENT ACCOUNTS ON IT AND I HAVE REPORTED THEASE ACCOUNTS TO IDENTITY THEFT, BUT THEY HAVE REFUSED TO REMOVE THEM ID LIKE TO REPORT THE CREDITORS AS NEGLIGENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have never received my original contract with my wet signature and I never signed a contract with CBE Group and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.
Product: Credit reporting or other personal consumer reports

I never gave XXXX, XXXX, or TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. I have made multiple attempts by phone and mail to resolve the matter but they continue to negatively effect my livelihood, reputation, and ability to secure credit. 

They do not have any permissible purpose to furnish my personal information to any third party as I have the right to privacy per 15 USC 1681a. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am aware of my federal rights as a consumer now. The company, and or agents are negatively affecting my ability to secure credit/loans. Furthermore, a charged off account is in tern considered income for the company in respect for tax purposes and income can not be furnished on a consumer report either. Again, this is not a request that the below referenced accounts/items be removed from my consumer report, but rather a DEMAND. I'll allow 15 days from receipt of this complaint to comply and remove the listed accounts before I begin to take legal action, seeking the highest remedy and resolution in court. 

As a consumer, I am demanding a deletion of the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

They day I got a new card from citibank I paid my debt of {$64.00} but they never took the money from me. Today XXXX XX/XX/2023 I got a letter saying I owe {$93.00} for past due. This is a government card and my military unit did not help me they dragged there feet and now citibank screwed up taking my late fees and now adding more this is not the first time and I feel I'm paying for others mistakes. They should pay me back every cent I paid out of my pocket.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX. Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of 15 USC 1681b ( a ) ( 2 ) no consent Credit reporting agencies
Product: Consumer Loan

I am a servicemember who was serving with the XXXX XXXX and had an auto loan open with XXXX XXXX, through the XXXX program created and operated by DFS. I received a redress check in compliance with Consent Order File No. XXXX. I was traveling for my ( then ) current job at the time the check was mailed to me, and as a result it was placed in an archive of all my mail that my parents were keeping for me while I travelled. I did not return and go through all of my mail until recently, and because of this, the check that I was sent is more than ( XXXX ) days old, and is therefore void. I have contacted both DFS and XXXX XXXX XXXX ( the company contracted by DFS to issue redress checks ), who have both told me that they can not, or will not, do anything for me. This check is almost XXXX ( XXXX ) dollars! I read the compliance order, which states that it shall be effective and honored for XXXX ( XXXX ) years, and it has not been honored with regard to my case.
Product: Credit card or prepaid card

I have a card with Capital One. I had this card for years and never missed a payment. Now they are reporting me late every month and dropping my scores. I contacted someone at Capital One and they stated that it is corrected and that it was a fee but that was waived as well. However I just got another 30 day late payment on my credit from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage from Bank of America was sold in XXXX to XXXX XXXX. In late XXXX my score decreased by 75 points and when I looked to see why I show Bank of America reported my XXXX payment late. I contacted them directly and they disputed the information on my behalf on XX/XX/XXXX. I was then sent a letter from them that the information is accurate and dispute was closed. I contacted my current mortgage company and got a copy of the letter of transfer and also my payment history. I called Bank of America again and they agreed it was an error and opened another dispute XX/XX/2019 and again once they were contacted by XXXX  they reported accurate. I've tried twice now to dispute and go through proper channels but they keep disputing the issue on my behalf and then disputing their own dispute.
Product: Debt collection

I am sending this request for the third time in response to a notice I received from you, on several occasions I have one disputed the item two sent 2 complaints in regards to this matter.This is not a request for " verification '' or proof my mailing address, but a request for Validation made  pursuant to the above named Title " XXXX '' I respectfully requested that i was provided with competent evidence that I have any legal obligation to you. What I have not received was the following -- -- verification or copy of any judgement if applicable -- -- prove the statue of limitations has not expired on this account -- -- show me that you are licensed to collect in my state, and -- -- -provide me with your license numbers and registered agent If your offices have not reported invalidated information to any of these three major Credit Bureau 's ( XXXX , XXXX or XXXX , ) said action might constitute fraud under both Federal and State Laws.due to this  fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate bringing legal action against you for the following Violation of the Fair Credit reporting Act Violation of the Fair Debit Collection Practices Act Defamation Of Character
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is currently showing 30 days late for the month of XX/XX/2021 and 120 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting a collection in the amount of {$7000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection is totally unsubstantiated and there is no documentation to show this account belongs to me. I spoke directly with the manager of XXXX XXXX XXXX several times and we discussed the fact that I do not have an outstanding balance due. The manager said that my file has been locked up for the past ( 3 ) years and that he has no access to the file. I have repeatedly requested they  provide me with documentation to support their claim that I owe this sum of money. They are unwilling to provide me any further information because there is no information to provide. It is against the law to falsely claim someone owes money when the company requesting the money has no documentation and/or evidence to prove who the account actually belongs to. This false reporting of a collection/chargeoff, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I went to try to purchase a house with XXXX XXXX and was denied for having 10 negative accounts on my credit report. I have never authorized any of these accounts from being open or have ever authorized anyone else to open them in my name. I have never benefitted from any of these accounts being opened or have received any money or goods in good faith from the accounts. Please remove them from my credit report. I have a filed a police report regarding these accounts being opened as a result of identity theft.
Product: Money transfer, virtual currency, or money service

My money was spent and sent off my card I didnt authorized and I was put at fault by zelle and the bank .my account was close due to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open.
Product: Mortgage

WE GOT A DELINQUENT TAX NOTICE I CALLED AND WAS TOLD IT WOULD BE PAIED THAT DAY XX/XX/2020. I CALLED THE TAX OFFICE IT HASNT BEEN PAIED I FILED A XXXX   COMPLANT I GOT A CLL FROM XXXX AT PINNY MAC SHE SAID SHE WOULD LOOK IN TO IT I CALLED TAX OFFICE AGAIN NO PAYMENT SO I WAITED TILL TODAY CALLED PINNY MAC TALKED WITH XXXX got no answers she transferred me to XXXX she had no answers told me again she would look into it pinny mac is going to wait till we loos our home we pay escrow we can not come up with a extra XXXX dollars when they are supose to pay it