23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX -Credit Application was submitted, but not by me. 

XX/XX/XXXX -Credit Card was sent to my home address. I didn't think much of it. I thought maybe they sent me a card and I had to activate it to open the account. Didn't realize there was a hard hit on my credit as I did not authorize one. 

XX/XX/XXXX -Realizing there was an issue, I downloaded the CapitalOne app to see if there was an online account created. The app told me there was a digital account tied to my Social Security Number. 
-I called Capital One. They refused to confirm my identity and tell me how the application was submitted and if there were other authorized users on the account. They told me I needed to send a signed request letter with 2 forms of ID ( State ID, Passport, SS Card ) to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or fax to XXXX. They said there is no email to send it to and that this is the only way to get any info. I have never experienced an official process that was not digital in some way. I don't feel comfortable providing this company with more sensitive personal information. I never wanted any business with CapitalOne and think there should be a better way of dealing with this. 
-A fraud case was submitted internally with Capital One. I was not give a case reference number. I was told they will send mail to my home address on the subject. Why not send the requested info to my home address also. 

XX/XX/XXXX -Got an email telling me that my email address on file was changed. This made me concerned that the fraud was continuing. I called Capital One again. They took the time to identify me by asking questions like Social Security Number and address and email address. They eventually told me the account was closed after having me on hold for 10 minutes. 
-I told them I expected communication confirming this and they told me that would not happen. I reminded this person of what I was told on XX/XX/XXXX and they immediately changed their answer. Saying a letter was sent on Thursday XX/XX/XXXX. I find this hard to believe because I only reported the fraud that day ( XX/XX/XXXX ) at XXXX EST. Also the investigation was to take some time. They even asked for a time schedule so they could call me. 

XX/XX/XXXX -Submitting Complaint to FTC through CFPB. 
-I plan on filing a Police Report Today including everything I know thus far including a phone number I had to find on my credit report. CapitalOne could have given me this phone number but did not. 

Other Notes -I need answers and not to be lied to. 
-I need to talk to someone knowledgeable, not someone reading a script, working from from home without the ability to escalate easily ( XXXX XXXX XX/XX/XXXX ). 
-I am the victim here. It seems CapitalOne made it very easily for a fraudulent application to be submitted and approved, but when the victim calls for answers they are not given the info request. 
-This is not the first time CapitalOne has made an unauthorized hard hit on my credit. The first one has gone away because it was so long ago. But the fact that it has happed twice makes me believe it will happen again through CapitalOne.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  creditor, Navy Federal Credit Union has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer, Fedloan Servicing has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. Fedloan Servicing did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. Fedloan Servicing also, reported the amount I owe to a third parties without my consent to XXXX, XXXX  and XXXX, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer vice, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Credit reporting or other personal consumer reports

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

I have maintained a personal and business checking at PNC Bank since on or around XX/XX/XXXX. My system of personal finances operates on a cash-to-account basis. This means I will make several cash deposits through the week, as needed for purchases. I also frequently check my account balance via the PNC Mobile application, and have account alerts setup when my balance reaches below {$100.00}. On Sunday XX/XX/XXXX I received an email notifying me my available balance was {$33.00}. Again on Saturday XX/XX/XXXX notifying me my balance was {$5.00}. Seeing no issue as I was coming in the next day to make a deposit, I refrained from making any purchases that would overdraft my account. On Tuesday XX/XX/XXXX I received an email notifying me my account was overdrawn and balance was negative - {$85.00}, of which {$72.00} was 2 overdraft fee 's ( {$36.00} x 2 ). I attempted to resolve this with a banker on XX/XX/XXXX at the PNC branch office ( XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). The banker advised me that their systems do not update the balance from over the weekend until Tuesday which is why the available balance information was incorrect, and recommended I call the automated system instead of relying on the mobile app. I can not FATHOM, with the mechanism 's and technology available between PNC and the consumer, why I have to not only make a phone call to get information, but why the information readily available on their mobile/online banking system IS NOT ACCURATE. Had I known that they were going to slow roll my purchases over the weekend and carry them to almost middle of the week, I would have made the necessary deposit to keep the account from going over.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Fraud Department : Remove fraudulent accounts from my credit rep
Product: Credit reporting or other personal consumer reports

I am file a complaint against. For failure to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a throughly investigation of disputes. Furthermore Experian actions may also contravene the consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceedings ( File No 2025- CFPB-0002 against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked inaccurate 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

I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by KXXXX XXXX because they sent a dispute update to EXXXX but did not notify me by mail. According to fair XXXX XXXX laws, XXXX XXXX   should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.
Product: Credit reporting or other personal consumer reports

I review my credit report and notice these fraudulent accounts and I was victim of audentiy deft. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

On XX/XX/22 I took a call at XXXX XXXX. I spoke with a XXXX ( cant remember last name ) they asked if i was my name and I said I was my name and then they asked if my address was my address. They gave out my personal info without verifying who I was. FDCPA states that you can use different verifiers to know whom you are speaking to. Address is one of them. But not giving out info that they hold.I do not appreciate that they are giving out this info and I feel it needs to be looked into. Cause if they got ahold of someone I knew that I did not want having that info there would be a lot of issues.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was late on my XXXX XXXX XXXX XXXX XX/XX/XXXX I paid the entire debt off. In XX/XX/XXXX this has been posted on my report with no proof. not only has this lie affected my ability to rent a home to live in but it has also blocked XXXX XXXX from buying a home. this company had XXXX XXXX as owing this debt when she wasn't even on the lease. When speaking to the customer service agent at IQ Data I asked him who gave him my identifiers ( SS # Birth Date And Name? ) because I never heard of the company and have never contracted with them, he said he brought the information from XXXX XXXX. So when I told him this was identity theft he laughed and said that's how credit works. I told him that in the state of XXXX it is a one-party consent state and that i had recorded the whole call and will be playing it in court. ( I still have the recorder call ) I clearly stated 3 times cease and desist all reporting on my name. it has NEVER Stopped.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ever sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I got a letter dated XX/XX/ saying that youre closing the account and youre going to start a fraudulent investigation. Keep in mind Ive asked you to do this for the last XXXX months then I get multiple letters dated XX/XX/, so were talking about 24 hours or less youre telling me you investigated this fraud claim. Im just gon na be blunt. I dont believe you whoevers in charge of my case is made up their mind and clearly isnt willing to accept that. Maybe they were wrong for the life of me I dont know how you came to this conclusion. You said that the authorized user Use the card. No he did not authorize users was the one that was lost and used fraudulently but the authorized user didnt have it in his possession. He didnt use the card. Why do you think that we had the card? Do you have some proof that youre not sharing? If you started an investigation on XX/XX/XXXX. Why were the late charges in interest not removed why was there no provisional credits issued why does it say my account is past due if youre investigating oh wait you didnt actually investigate sent me a bunch of form letters, hoping that I would Decision and go away thats not gon na happen. We will end up in court before I pay a XXXX on this. This is ridiculous. We did not have a card in our possession. It was lost found Ive given you all this information multiple times over the phone advantage your questions I filled out your paperwork, and you dont even investigate because theres no way you investigated this less than 24 hours unless you have some proof you need to issue a full complete refund to this account. I just dont understand and these form letters that you keep sending me thats not helpful. This is terrible customer service you need to send me a real letter, explaining how youve come to your decision, considering that we were not in any of these locations during the time that these charges were made, we didnt have the card in our possession. Why do you think we did? Why have you not issued provisional credits? Why are you not investigating this for real why does it say my account is past XXXX it shouldnt say that if youre actually investigating it for fraud, or are you breaking the law and not investigating properly? Id like you to answer that question right here with the CFPB can see what you have to say. Ive done everything Im supposed to do.
Product: Mortgage

Freedom mortgage is keeping money about escrow that has been modify and I dont suppose to pay taxes every year for the time they got mortgage I informed the i am tax exempt disable veteran and I sent the all documentation about my exemption but they continue to bill me and ask and take my money
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Have been repeatedly harassed at job and also have disclosed debt is owed to coworkers who have account also with debt collector. Name of company is Atlas Credit
Product: Checking or savings account

I would like to log a complain for discrimination or for unfair treatment The facts are as follows : My family has been banking with Chase for over 35 years, since 1987. At that time the bank was called XXXX XXXX and later changed to Chase. In all that time we never had any issues with the bank. We currently have savings, checking, investments, IRA, Roth IRA and mortgage accounts with them. 
Recently on XX/XX/XXXX, while visiting my aging mother, I received a call to let me know that my accounts, that included the name of son, will be closed. They provided no reason. 
I made several calls back to try to understand the problem, which I assume was a misunderstanding and got no response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some of his payments are in cash but he has engaged a law firm and an account to make sure he is doing everything within the law and it is properly reported to the IRS. Recently he finally managed to incorporate his business and open a business account, with XXXX. 
We obviously are of XXXX descend as can be seem clearly from our names and surname. We have encountered discrimination based on our names from several areas in the past from ignorant bigoted individuals and some businesses but for a well-respected institution such as Chase bank that have had a business relationship with us for decades is totally shocking and unacceptable. 
My only conclusion is that Chase bank officials have decided to stereotype my family as XXXX criminals rather that ask questions or even for proof that our transactions are legitimate and within the law. Chase bank officials have decided to close the accounts and hurt my son business because being XXXX he must be a criminal. 
I would like to know exactly why they are doing this I believe that I at least deserve the courtesy of a clear and honest reply. We have done nothing wrong and it is a huge inconvenience to start opening accounts with other institutions to transfer our accounts. In fact, I demand a written explanation for this behavior. 
I appreciate your help on getting a response from Chase Bank on this matter Thanks for your attention and any help you can provide
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report the accounts below for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAPRemove the accounts immediately. Thanks. 

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

I have previously filed a complaint against the company Brite Financial Service XXXX XXXX XXXX I spoke with the creditor via phone on XX/XX/XXXX after the complaint was filed with the CFPB, on XX/XX/XXXX the creditor was very upset and advised verbally I would pay for the complaint filed against the company. I advised the creditor I filed the complaint because the vehicle financed was a XXXX XXXX, which the engine was blown and recalled by XXXX and I actually won a class action lawsuit against the company and received payment from the company. 
XX/XX/XXXX Brite Financial made an update to my credit report, reporting 6 late payments which were never reported prior to my complaint filed with the CFPB. 
I have attached documents to proved this account was closed XX/XX/XXXX last payment paid to brite financial XX/XX/XXXX I have also attached Recall notice for vehicle Vehicle was returned to the creditor with a defective engine, as per the recall notice from XXXX XXXX. 
Brite financial is operating unethicality and reporting incorrect information on my credit report. I am filing an additional complaint to have this account removed from my credit file permanently due to the unethical actions of the company against me and my credit profile.
Product: Debt collection

I have reached out to Southwest Credit on several occasion to inform the company that I did not apply for a phone service with XXXX XXXX XXXX the only phone service that I have every had since I was release from prison in XXXX 2012 was XXXX and XXXX.
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

all XXXX credit Bureaus have CNAC on my credit reports CNAC is also ByRyder that sells cars automobiles to people they did NOT repo my vehicle... .I called them after paying 2 and a half years on it the car which was a XXXX XXXX I asked them to come get it cuz they wouldnt make the car right and it had serious issues ever since the day we bought it and they tried making us pay for it all plus the payments a month on top of that CNAC agreed on the phone if I returned the XXXX vehicle and I did WILLING... NOT a repo///they agreed it would NOT be put on any of my credit reports