23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX ( The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX child and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also TransUnion and XXXX are reporting new hard credit inquiries from XXXX XXXX  XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those enhanced recovery people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.
Product: Credit card or prepaid card

I applied for a credit card with Bank of America in XX/XX/2020 via their website. I was declined. There was no way for me to contact them once I received the declination response. No phone number, no email. I waited for their decision in the mail. The corresponding letter said my application was declined because I had too many accounts that were recently opened and that I had limited deposit or investment balances with them and their affiliates. Again though, nowhere was there a way for me to contact an underwriter or representative by phone or email. It was clearly a form letter because most of the smattering of words all over this letter was about how I could obtain a copy of my credit report and tools to help me with my credit. 

On one of the back pages was a postal mailing address where I could write them a letter via snail mail. I sent them a letter asking what I needed to do to get my application approved. Should I close a different account? Could I get a lower limit? What if I provided proof of other funds? I even went as far as sending them a recent pay stub and asking them to contact me with what was needed. 

Weeks later ( today ), I received correspondence from them. It was the exact same form letter the sent me before. Why did I take all the time and effort for a sincere application in earnest only to be declined with only form letters being sent to me. In fact, this lazy and insulting attitude is the exact opposite of what Bank of America purports in their corporate mission statement : to help make financial lives better by connecting clients and communities to the resource they need to be successful. They never had any intention of connecting with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss because of COVID-19 pandemic. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Product: Mortgage

Ocwen Loan Servicer for XXXX XXXX, refused to honor the mortgage modification agreement that I entered into with XXXX XXXX. Instead they filed a complaint to foreclose on my home. Despite me repeatedly telling them that I had a modification, they ignored me. Now my home has been foreclosed on and sold at a sheriff 's sale. When I told the court that I did not receive notice of the sale, the bank is saying that they need only show that they mailed me the notice. I legitimately had problems receiving mail at my home. But the real issue is that I should never have been in court, because, I already had a modification agreement that was not honored by Ocwen and XXXX XXXX. Then once I complained, they tried to get me to sign another modification agreement with different terms.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I requested that my account be closed on XX/XX/31. I was shock to discover today that my account is still open. Now I am being told that in order to close the account I need the last XXXX numbers of the credit card. I destroyed the card on XX/XX/31 immediately after getting off the phone with XXXX because I assumed that my account would be closed, so I don't have that information.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Credit reporting or other personal consumer reports

I checked my consumer report and I found out that XXXX XXXX XXXX, XXXX, whose address is XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX and phone number ( XXXX ) XXXX, is listed as a debt collector and is committing adverse action by reporting inaccurate, unauthorized information in my consumer report ; I never contract with them, and I did not provide written, not written, implied nor expressed consent, permission or instructions to them to make them assume that I wanted to contract with them in any way ; furthermore, I never provided my personal identifiable information to the above mentioned company to implied that I wanted to do any type of business with them, however, they are harming my name and reputation by reporting a collection on my consumer report.
Product: Credit reporting or other personal consumer reports

I got an email on XX/XX/year> from XXXX with whom I have a credit card, stating that there was a new credit inquiry on my credit report. I know I haven't applied for anything so I called XXXX and they are helping me through the fraud process. I looked up my credit report and it says there were two inquiries today XX/XX/year> froXXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I've never even heard of them. Someone else is using my SSN.
Product: Credit reporting or other personal consumer reports

I am having a problem with my student loan provider Sallie Mae. I am XXXX XXXX  and I am XXXX XXXX XXXX I have told them I am iXXXX XXXX  I have mailed them deferment letter. I have uploaded the deferment letter. I have called them. They insist I am past due when I am in school full time. They have reported me to the credit bureau and destroying my credit,
Product: Credit reporting

Per attached XX/XX/XXXX Transunion confirmation-File # XXXX, my credit File had an Extended Security Freeze with assigned PIN ( applies to all XXXX Bureaus ). XX/XX/XXXX I requested annual credit report and XX/XX/XXXX Transunion responded they had already provided to me. Transunion has 1 ) requested {$11.00} fee from me, which I do not owe since I never got my annual credit report, 2 ) violated my privacy releasing my ENTIRE credit report to an UNKNOWN PARTY without A ) ANY SECURITY FREEZE verification B ) not to MY ONLY VALID MAILING ADDRESS C ) nor to MY VALID EMAIL 3 ) Could be fraudulent reflecting data but unable to determine until I have my transunion report. At a minimum, I will require Lifetime Free Credit Monitoring be provided as I have police reports, etc. filed with XX/XX/XXXX letter ( all documents sent cert/return receipt. ) This is totally unacceptable and you can not speak to a human being regarding dispute & /or potential Fraud. How can this be ACCEPTABLE. 


, 3 ) violated Privacy and, which they had not. Transunion DID NOT follow their Security Freeze protocols and breached my privacy.
Product: Credit card

Dear Capital one I am writing to formally dispute a late payment fee that has been applied to my account, [ Account Number ], due to a payment that was made late. As I understand, 15 U.S. Code 1666b ( part of the Truth in Lending Act ) provides certain protections for consumers regarding late payment fees on credit accounts.

Under 15 U.S. Code 1666b, a creditor is prohibited from charging a late fee unless the payment is more than 30 days late. Additionally, the late fee can not exceed the greater of {$25.00} or the actual late payment amount, and such fees should be assessed only if the payment was made past the due date.

I believe that my payment was made within an acceptable timeframe, or that the fee was applied in error. I am therefore requesting that you review my account and correct any inaccuracies related to the late fee charged.

Please investigate this matter promptly, and confirm in writing that the late fee has been removed from my account or provide a detailed explanation if the fee was applied correctly under the terms outlined in 15 U.S.C. 1666b.

I appreciate your immediate attention to this matter, and I look forward to resolving it as soon as possible. 

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

i sent a letter 30days ago to the bureaus they have yet to respond. they i are in violation of 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports through XXXX XXXX and XXXX. I have two credit cards with XXXX and on all my credit reports, it shows that one of my credit cards has been closed. XXXX said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.
Product: Credit card

**my email to CapitalOne subpoena department ( theres no claims department ) Capital One Customer Support, I am writing to express my deep dissatisfaction and frustration with the recent closure of my three credit card accounts due to erroneous returns from XXXX XXXX This situation has been exacerbated by the fact that your representative had previously assured me that my automatic payments would be scheduled for the 30th of each month, coinciding with my direct deposit dates. This arrangement was supposed to ensure timely payments, yet it was not honored, leading to this unjust action. 

Furthermore, on XX/XX/XXXX at XXXX XXXX XXXXXXXX, I was specifically denied any communication with a supervisor. As a credit consumer, I have the right to fair and transparent communication regarding my accounts. This refusal to engage with me is not only disrespectful but also potentially in violation of several consumer protection laws and principles, including the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions. 

By refusing to communicate with me, Capital One is in direct violation of CFPB regulations, which mandate that financial institutions handle consumer complaints and inquiries in a fair and timely manner. Additionally, this refusal constitutes an unfair practice under the XXXX provisions of the XXXX XXXX, as it places undue financial strain on me and obstructs my right to address and resolve issues with my account. 

Now, I am expected to pay interest and finance charges on top of my existing balance without access to my accounts. This is an outrageous demand under the circumstances, and it places undue financial strain on me. 

To resolve this issue fairly, I am demanding one of the following two options : 1. Reinstate my accounts after three months of large sum payments made on all cards.

2. Agree to a settlement of 30 % -50 % of the total balance due. 

Failure to address this issue promptly and fairly within 24-48 hours will leave me no choice but to escalate this matter further. These discriminatory acts will result in legal action, which I am already preparing to undertake. I have no hesitation to utilize my professional resources, including filing complaints with the Consumer Financial Protection Bureau and seeking legal counsel. 

I expect a prompt and fair resolution to this matter and look forward to your immediate response. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I recently received a copy of my Equifax credit report, and i noticed some late payments posted on my credit report : XXXX XXXX XXXXXXXX. XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 accordancee with the written instructions of the consumer to whom it relates.

I have not gave anyone written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX Credit Bureau ; I hope this correspondence finds you well. I am writing to formally challenge the inaccurate reporting of my account ( # XXXX ), which has been incorrectly listed as having a balance of {$1600.00}. This account was settled and paid in full approximately 4-5 months ago for the amount of {$660.00}, and I have provided substantial documentation to prove this.

Despite this, I was recently informed by a finance manager while shopping for a new vehicle that the outstanding balance remains on my credit report. Over the weekend, I verified that the account is still being reported as unpaid, which has adversely impacted my ability to secure new credit. This erroneous and outdated reporting constitutes a violation of several key consumer protection statutes under federal law. 
In particular, under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), this situation violates several provisions, including but not limited to : 15 USC 1666b : Requires creditors to promptly correct billing errors, including errors related to the amount owed.

15 USC 1681i : Obligates credit reporting agencies to investigate and rectify inaccurate information in a consumers credit report.

15 USC 1692g : Mandates that debt collectors provide consumers with written verification of debt when disputed, and cease further collection until the matter is resolved.

The reporting of this account is not only inaccurate but also inconsistent with the payment history, account balance, and all associated dates. The continued reflection of this account as delinquent is harming my credit profile, limiting my ability to access credit, and constitutes a violation of my consumer rights. 

I formally demand the immediate deletion of this account from all credit reporting agencies and the removal of any associated late fees. Furthermore, I request a thorough review of your reporting and records to ensure compliance with federal law. Failure to rectify these violations may compel me to escalate this matter through appropriate regulatory channels, as it has already caused undue harm to my creditworthiness and financial standing.

I trust this matter will be handled swiftly, in keeping with the professional relationship we have maintained, and I look forward to your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX  account number XXXX, and XXXX XXXX account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXX XXXX Account # XXXX
Product: Checking or savings account

USAA has an online survey in their app. It asks for my net worth and income, and then asks a series of questions about how likely I am to use the money service XXXX. Bank members have XXXX chances to fill out the survey and if you dont they cut off access to your account in the app. I have now lost access to my account. I do not believe I should be required to answer marketing questions about a third party company in order to access my bank account. I have spent XXXX hours on the phone with USAA. One USAA XXXX  told me the survey was required by XXXX  as part of the Patriot Act, Bankruptcy Act, and Secrecy Act. 
Does the federal government really require me to tell my bank how likely I am to use XXXX or else they cut off access to my online account?
Product: Bank account or service

Bank of America closed a checking account that I had owned and reported the account closure to XXXX as potential fraud. There was no fraud that occurred on the account and Bank of America refuses to remove the incorrect information from my XXXX record. I have contacted Bank of America and XXXX numerous times about this issue and have been repeatedly told that the information is accurate. The information is not accurate-I believe that Bank of America is just not investigating. As a result of this, I cannnot open a bank account.