23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

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

My wife attempted to close our checking account and checking line of credit at the XXXX VA branch of Wells Fargo. It was explained to her the amount for full payoff of the small remaining balance would be taken from the checking account and used to make the full payoff. This was about {$3.00}. The branch failed to do this in XXXX and as of the beginning of XXXX, my wife and I were notified of a massive drop in our credit score ( now approximately 100 points lower for both of us. ). 

Wells Fargo incorrectly closed our accounts ( never actually did this ) and resulted in more interest on the account and an incorrect and false late payment negative report to the three credit bureaus. The amount of payoff in early XXXX was {$4.00} which I paid in full and closed the account ( again ). The account is still open as of today XXXX XXXX with a balance of {$4.00}. 

I filed a complaint for the incorrect, inappropriate, and negative report on our credit. 

I filed disputes with the three credit bureaus as well. 

I'm XXXX XXXX military with a security clearance and this negatively impacts my work. My credit history is EXCEPTIONAL save for this report on {$4.00}.
Product: Mortgage

Pentagon Federal Credit Union ( PENFED ) intentionally delayed processing of my mortgage loan so I could qualify for their mitigation program after using fake algorithms to determine I was not credit worthy to refinance a loan I had faultlessy paid for over 15 years, as well as a first mortgage for 20 years. My complaint is that they turned my late payment over to the credit bureau which prevents me from ever getting a VA loan to pay off their lucrative loan terms for this contract. I had a {$210000.00} loan approved with XXXXXXXX XXXX XXXX to pay off both mortgages at PENFED when the late mortgage payment was posted on the credit bureau and XXXX rejected the application. Complaint number XXXX was closed. It falsely interpreted the complaint as " Incorrect Information on Your Report ''. The information is not incorrect. The complaint is PENFED should have never reported this internal wrongdoing to the credit bureau as a misgiving on my part. I submitted refinance paperwork in adequate time for processing. They intentionally delayed processing so I would qualify for a program they have set up for borrowers who are having trouble paying their mortgage payment. I have never had problems paying my bills! I asked them to remove the late payment from the credit bureau and they refuse. This is malfeasance of a lending institution, if there is such a classification I am attaching correspondence that validates PENFEDs lackadaisical processing of my loan application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This is affecting my well-being.It is damaging my reputation and causing great grief to my mental health. This account is being reported on my Transunion consumer report without my consent and its inaccurate and misleading. I've never had a contract or rental agreement to purchase any product with this company. I never purchased or received any goods or services from this company. 
They are reporting false information on my consumer report. This is a violation according to under fcra sec 15 U.S.C1681s-2. Also under Section 605B it clearly states, if a consumer submits an identity theft report to a consumer reporting agency and requests a block on the reporting of information that resulted from the identity theft, the agency must comply with the request within XXXX business days. I was never contacted or never received any notification of this debt or information being reported on my consumer report. These consumer reporting agencies have a responsibility to make sure that the information that they are furnishing is 100 % TRUE AND ACCURATE. I believe they have failed to do so and this is also violates my rights according to 15 USC 1681i ( a ).

The account is only on my transunion report because the other consumer reporting agencies already removed this account because they found it to be inaccurate and invalid. I dont know what made Transunion follow different procedure. 

The account is XXXX Acct # XXXX They state that my high balance is {$5100.00} and they are reporting that i owe {$2800.00}. I challenge all information for this account and i would like to see all original documents including all payment history and all original signed contracts that shows that i agreed to rent a product for {$5100.00} and leaving a balance of {$2800.00}. Thank you for your help. I appreciate it very much!!
Product: Credit card or prepaid card

2 payments were taken out of my account 1 manual payment of XXXX and a second auto payment of XXXX, ( my total balance was {$940.00} which I paid in full manually so the XXXX was a payment on a balance of {$0.00} ) The payment of XXXX was never received by the credit card company, even though my bank statment shows it was made to Citi. 

bank filed as a lost check, but once that was approved Citi add a {$940.00} statement saying I owed that money back to the company Tried to provide statements from my banks to citi but they seemed uninterested in those, likely because it provides proof that citi was sent the money they are claiming they never received
Product: Mortgage

My Loan was transferred from Rushmore Loan Management Services to Rushmore Servicing. Two different Companies. The first issue occurred on XX/XX/XXXX. My account is on autopay and they debited my account twice. Once on XXXX when the payment was due, and then once again on XX/XX/XXXX. I saw the amount come out of my bank account twice and immediately called them. They said it was a payment error and they ended up sending the money back the next day. 

The second issue is the old company, Rushmore Loan Management Services, incorrectly reported my payment delinquent to the XXXX Credit reporting agency when the loan balance was at {$0.00} AND I have proof of a history of payment to the new servicer. because of this, my credit score dropped XXXX points in one day in the middle of a loan application.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 *Personal info and account numbers removed for complaint* Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear CAPITAL ONE, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer.

Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request.

Yours sincerely, *Personal Info removed for complaint*
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to apply for a credit card and was denied. I went home and signed up for one of those credit reporting company and I see accounts on my credit that I dont know nothing about XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I reached out to the FTC and the police. I really need some help im doing this by myself.
Product: Credit reporting or other personal consumer reports

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scoresDocumentation from XXXX and XXXX confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXXcredit starting out since XX/XX/XXXXin XXXX then XXXX XXXX XXXX was found Im correct 2 accounts XXXX was balance and over paid in XXXX XXXX never got refund from them but this company keeps reopening the credit as over limit late fees this is the 3 rd time for 2 account makes it 6 times pulling my score to XXXX my credit is horrible and now there are all kinds of thing on my report names address and multiple loans fraudulent accounts iv froze my credit nothing is working and XXXX has found my info correct and removes it but within 2 or 3 days its right back back in XX/XX/XXXXits debt thats not mine mortage loans pulled that is my exhusband and his wife were my birth certificate has been sent and they are applying for loans they went into bank and stole my XXXX cd 3 loans on my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX in XX/XX/XXXXXXXX XXXX dollars and I have the documents signed by them and the bank which helped them do it
Product: Mortgage

My loan was restructured over a month ago ( I was on/in the middle of a covid forbearance plan when they bought my loan from round point it took them 2 or 3 months too get to me on the restructuring ) my account still isn't updated I have different people telling me different payment amounts I had made at least 3 payments of at least XXXX ( XXXX ) before the restructure she told me it would be applied after the restructure which should have been done in early XXXX she said the amount I have from these payments is only XXXX where did the rest of the money go? I have been trying to get ahold of my " point of contact '' for awhile with no luck doesn't return calls or answer emails same with her boss I spent over 2 hrs on hold the other day trying to get threw to anyone to see what's going on with my mortgage and how much I need to pay it has been a nightmare since they got my mortgage now I'm afraid my mortgage is going to be late because I can't talk to anyone and I'm not sure where the rest of my payments went I have read reviews and nothing good I can see you guys already had a lawsuit with them for something similar
Product: Credit reporting or other personal consumer reports

I am writing to request a correction to my credit report regarding a late payment that appears on file in my XXXX XXXX  account. This late payment, which I believe is incorrect, does not reflect my payment history and commitment to my financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a few card terminated that I was authorized user on a while back. I was told all these terminated accounts XXXX and any other credit reporting agency 's would take off. Here the following accounts I would like removed from my credit report as promised. 

I have 3 XXXX cards all 8+ years all terminated would like that off A XXXX card that was opened on XX/XX/XXXX & another one opened XX/XX/XXXX A XXXX XXXX card with a credit limit of {$7500.00} & another one with a {$10000.00} limit XXXX XXXX opened on XX/XX/XXXX. 

These cards some were an ex bf 's and some were my mother 's I just don't want anything to do with them off my credit report as I am trying to build good credit and do not need or want there help. Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX
Product: Debt collection

I have come to know that this company is really, really under handed and doesn't follow fair practices. 
For the same incident, they reported to the credit bureau several times.

Now my credit score went down from XXXX to XXXX. 
When I told them I don't have all the details and need the same, they threatened that my credit score would be XXXX  up. They talk carelessly and as though they know that they have their hands around my throat. They are nonchalant and feels like you are talking to superior people and we have to beg. 
Additionally, I still have not received paper work that was promised to me. 
THEY NEED TO WITHDRAW THE REPORTS FROM CREDIT BUREAU, UNTIL THIS ISSUE CAN BE RESOLVED IN A FAIR MANNER. 
Please take disciplinary action on this company, Account Services, USA.. so that they develop some sense of justice and playing fair. 
They keep calling at all hours of the day with different phone numbers and are rowdy in their talk.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After reviewing my report, I have identified multiple hard inquiries that I did not authorize. These unauthorized inquiries are negatively affecting my XXXX XXXX, and I am concerned about potential fraudulent activity involving my personal information. 
The inaccurate hard inquiries I wish to dispute are as follows : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. Since I did not consent to these inquiries, I request an investigation and their immediate removal from my credit report. I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) regarding this dispute, and I am escalating my request through your office to ensure a resolution. 
Attached, I have included : A copy of my credit report highlighting the disputed inquiries Please review my request and advise on the next steps to resolve this issue. I appreciate your prompt attention and look forward to your response. You may contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX XXXX.
Product: Debt collection

I enrolled at XXXX University using federal funds and scholarships. I was XXXX assaulted and withdrew from school. I let the university know what had occurred and I could no longer start the semester. I received a bill from KEY 2 RECOVERY INC stating that I owe a balance of XXXX. I called the University and the collector to get this resolved but no one could assist me. No one sent the bill on how I could owe this. I also received a notice from my student loan servicer from XXXX showing the loan was taken out. I have not had any explanation as to why I owe when I withdrew from the courses in a timely fashion and it shows up as a student loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of XXXX  I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable at that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the XXXX XXXX  XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the XXXX XXXX XXXX of New Jersey before a competent court of law! XXXX could be liable criminally and civilly for FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Checking or savings account

TRS Recovery Services was notified on XX/XX/2022 that the debt they are attempting to collect for a " XXXX XXXX' was and is fraudulent. I do not owe this company any debts. These checks were stopped because these are fraudulent transactions from an Identity thieve. I do not know who Authorized these transactions but even the XXXX XXXX States I am not responsible for the transactions. I have not conducted business with this merchant, and I do not know who has but It was not authorized. TRS continues to try and collect on behalf of TeleCheck Services, Which still is not authorized. I am a victim of identity theft, and these transactions have already been reported to the FTC and this checking account was already closed because of the fraudulent transactions. These are not authorized checks. These are Forgery, and I will not accept a debt I am not responsible for. I already notified TRS of my right to dispute and TRS continues to send collection letters and trying to collect on a fraudulent debt.