23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im writing you to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports 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 You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy that inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX . XXXX were made without my knowledge.Credit Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX, data breach. I want these items Deleted from my credit reports. As you can see, the XXXX actually deleted them. because I was victim of this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent address update/remove to the credit bureaus XXXX different times. XXXX, XXXX, and Equifax has yet to update my report with my recent and only address. I've sent sworn affidavit with the correct address. The address XXXX, XXXX, and Equifax continues to report is another persons or family address. 

I have had my personal information stolen within the past year and half to two years ago. I do not want my information being fraudulently used. Please help me with removing these inaccurate addresses and adding my current and only address to my credit profile. I am in fear of Identity theft if this wrong information continues being reported.
Product: Money transfer, virtual currency, or money service

Someone sold me a product and a service. After they received the money, they told me I was not going to get the product and blocked me on Cash app and from their phone. The merchant stole {$1000.00} and additional {$300.00} from me. I have reported it to the police on what has happened. The police have all the merchant information and well knowledge that it was a scam. The transaction deleted from my balance but it stated pending. I tried canceling the transaction.
Product: Credit card or prepaid card

At the beginning of the COVID crisis, ( in XXXX I believe ) Bank of America ( the credit card carrier ) contacted me and told me my payments were being deferred temporarily. I did not know until 2-3 months later that they were accruing interest as they normally would. I started making payments again immediately. This seems very predatory in the midst of a crisis. I'm sure the terms were in fine print somewhere but I did not ask for assistance. They just sent an email and automatically adjusted my amount due to {$0.00}. I could not even tell what my normal payment would have been if I wanted to keep paying. I accrued hundreds of dollars in interest on debt I would have been paying off.
Product: Credit card or prepaid card

I am requesting the help of the Consumer Financial Protection Bureau in reference to a late fee that was processed in my XX/XX/2021 statement on my Best Buy Credit Card Account. I was billed a late fee in the amount of {$27.00}. I wrote the credit card company a notification for assistance. Please see attached document as this is the notification I sent to them via mailed correspondence for assistance. I requested help that was denied to have account credited back on XX/XX/2021 over the telephone when I spoke with customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XXXX XXXX. Here is my tracking numbers # XXXX and XXXX. To remove personal information that I do not want on my credit report. According to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX. Account Number : XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has 2 years of innacurate reporting every 30 days on my credit
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$500.00}
Product: Mortgage

NationStar Mortgage Co who is the servicer of my mortgage owned by XXXX XXXX made unauthorized Hard Credit Inquires into both XXXX and XXXX credit bureaus. This occurred on XXXX when having a general conversation with an individual at NationStar about possibly refinancing my current mortgage. Not only did he access my credit report, but also accessed my wife 's. The detail of our conversation was completely recorded and I was adamant about not accessing credit info and did not provide SSN or any other info authorizing the pulling of credit detail. I have provided a detail faxed containing all of the pertinent info and talked to many different individuals at NationStar. The various individuals that I 've talked to at NationStar listen and promise to call me back, but never do. I am very concerned because both mine and my wife 's credit scores were lowered 5-7 points and this will remain for 2 years on the respective reports. My requests was to remove these Hard Inquires from the respective credit bureaus for both my wife and I. 
information and
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report and complaint with XXXX, XXXX and TransUnion over 30 days ago. According to the Fair Credit Reporting Act, these items must be removed from my credit report. 
TransUnion Complaint ID : XXXX XXXX XXXX Complaint ID : XXXX - XXXX Experian Complaint ID : XXXX - XXXX This is very upsetting and I need this fraudulent information removed from my credit report within 4 business days. 


FRAUDULENT ACCOUNT : Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

These are NON Account inquiries, and I have requested deletion of them.
( 1 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX  XXXX, NH XXXX ( XXXX ) XXXX
( 2 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX  ) XXXX.
( 3 XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX.
( 4 ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX I contacted XXXX XXXX, XXXX XXXX XXXX/ about removing the following inquiries that resulted from credit limit increase requests made on line that did n't indicate Hard Inquiries would be done. I was told that I could dispute them with the credit bureaus without any affect to my account with them but I was told that I could n't by the Credit Bureaus. The following are the dates of the Inquiries on my report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, &XX/XX/XXXX
Product: Vehicle loan or lease

I recently checked my credit reports and saw that Ally is reporting that i was 30 days late in XXXX on XXXX and XXXX, but on XXXX it shows i was 30 days late in XXXX. I dont recall ever being late at all.I disputed the inaccurate information with all 3 credit bureaus and they are still reporting the mismatching information to the bureaus.
Product: Mortgage

In XX/XX/2018, I, XXXX XXXX XXXX, and my husband, XXXX XXXX, filed for bunkruptcy of some credit card debt incurred through XXXX XXXXXXXX XXXX business. 

That bankruptcy never included the 1st & 2nd mortgages held by myself and a third party, XXXX XXXX These mortgages are for the primary residence of XXXX XXXX, XXXX XXXXXXXX, & XXXX XXXX. 

In XX/XX/2018, Bank of America ( holder of the 1st mortgage ) notified us that they sold that mortgage to XXXX XXXX. We were paid up and current with BofA, and going forward from XX/XX/2018 our payment were to be made to XXXX XXXX. 

We did all that. Now BofA is insisting on a duplicate payment back to them that we were never notified about and BofA has attached themselves to our bankruptcy after-the-fact, and after the terms of our bankrupcy had already been negotiated and signed on.
Product: Debt collection

The debt company has my brothers number as the number on file which was never on file with anything which means they illegally obtained that phone number. They keep spam texting my brother offering deals to resolve the debt.
Product: Debt collection

I am currently being sued after not one but two attempts to be sued for a purchased amount by XXXX XXXX XXXX. They purchased a debt worth {$1300.00}. XXXX and another debt worth {$980.00} however, for both debts I have not been notified of 1. Name and Address of Alleged Creditor, Alleged Account Number, Date Alleged Debt Became Payable, Date of Original Charge Off or Delinquency, Amount Paid if Debt was Purchased, Proof of Debt, Payment History, Copy of Initial Loan Agreement or Credit Card Application, Proof of Debt Ownership all of which I am entitled to know due to the Fair Debt Collections Practices Act ( FDCPA ). It is to my understanding that XXXX XXXX XXXX is aware that I am entitled to this information and relies very heavily on that possibility that I may not be fully aware of my rights and reluctancy to attend court or reluctancy to dispute lawsuit is the premise of their business. I now have XXXX XXXX XXXX on my credit report and would like it removed. I am going to court to on XX/XX/2018 to vacate a default judgement that was motioned on XX/XX/2018 by XXXX XXXX XXXX because I was never properly served. There was a failed attempt at being served by XXXX XXXX XXXX , XXXX via certified mail but no record of my signature indicating that I received a summons because I did not. After being told the case was thrown out due to their method of communication I was under the impression the case was done. However, now I have to defend my rights under the Fair Debt Collections Practices Act and ask the judge to vacate the judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. 

1. XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 2. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 3. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 4. XXXX XXXX XXXXXXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 5. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 5. XXXX XXXX ( XXXX ) XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 6. XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. 
I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. 
Transunion and XXXX have deleted and removed the fraudulent accounts at this time.
Product: Debt collection

In pursuant to 15 U.S. Code 1692c I have told Capital one on numerous phone calls to NOT CALL ME while I am at work. I am not allowed to take phone calls at work. I receive text messages relating an alleged debt which I do not consent to as I am not allowed to text while I am at work and they also contact me at inconvenient times. I have told them to not call me while I am at work but they do not listen.
Product: Credit card

My account was closed due to a returned payment. I contacted CapitalOne on XX/XX/XXXX XXXX explaining the exceptional circumstance as to why my payment was returned. I was out of the country and I was unable to access my checking account that was linked to autopay and without knowing, my checking account was restricted and locked and I wasnt able to add money to the account. The moment I realized the payment was returned I immediately made a payment in an amount that I knew was in my checking account. I have had the account for over 6 years and Ive rarely had any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint to the company in which I explained throughout the time I've had an account with them I have never been late paying on my account. However, the company is reporting a 30 day late payment mark for the account to all 3 credit bureaus for the month of XX/XX/XXXX resulting in a significant decrease in my credit score.

The company replied saying, 1. You made payment arrangements on your account ; however, the account was more than 30-days past due when the arrangements were made ; and 2. XXXX is obligated to report factual information to the credit reporting agencies and we are unable to remove the delinquent credit mark assessed on the account. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$99.00} due on the XXXX of each month. On XX/XX/XXXX, you made payment arrangements to assist you in bringing your account current ; however, the account was past due from XX/XX/XXXX. The account was more than 30-days past due when the payment arrangements were made ; therefore, a 30-day credit mark had already been assessed on the account. XXXX is obligated to report factual information to the credit reporting agencies and we are unable to remove the delinquent credit mark assessed on the account due to the payment not being made timely. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention. 

I called diligently and regularly to create a payment arrangement on my account PRIOR to the due date and everyday for a week after the payment was due on XX/XX/XXXX. I was then offered an arrangement that does not seem to be recorded. This is not an uncommon occurrence with this company ; the answers and information received varies with every call.
Product: Checking or savings account

On XX/XX/2022 - Applied via https : XXXX XXXX $ XXXX, and get {$500.00} bonus The page did not mention anything related to a promo code I was subsequently approved, However when I ask and confirm with the rep on the phone if I am enrolled, I was subsequently told they do not see such offer on my account. 

What is the discrepancy, if you need a special code, the web page should make it clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with the way Zelle and banks handle issues with Zelle. I have made the mistake of adding an extra zero or writing out the wrong amount or number to send to and it went through and no one has been able to fix it. Ive recently been out at least XXXX because of this issue.
Product: Credit card or prepaid card

Every time I return an item on my Amazon Prime Store Card by synchrony Bank, I am issued a gift card for the return, instead of a credit to my balance. this is done intentionally, because I am being charged such an extremely high interest rate. 
I want all returns to be credit directly to my store account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were unauthorized by me. The contract or lease agreement was never signed or authorized by me. I had a security freeze placed on my account. I am unsure as to why JPMCB was able to pull my credit. The company XXXX XXXX has sent a cancellation request for an unauthorized loan/agreement for a car or vehicle. 

I tried working with both JPMCB and XXXX  to remove these unauthorized inquiries which has cause my credit score to decrease from XXXX to XXXX. My next action is to follow through with legal action if these inquiries are not removed.
Product: Vehicle loan or lease

Mislead by the sales person and the advertisement on the wall about an additional fee that would cover insurance, this turned out to be untrue and the vehicle was impounded for no insurance. Not reporting anything to the credit bureau about the loan, not applying payments when made online.
Product: Mortgage

We had a home equity line of credit for 5 years that expired in XXXX 2016, with a balloon payment due of {$240000.00} which we received a letter in the mail a week before the expiry date telling us that our payment was due. I immediately went to see my local bank and he could not help us, because we were a member of private banking and he could not even see our information. So, he then gave us a name for a loan officer, which we called when we got home and sent him all our paperwork, he then determined that we would not be eligible for a mortgage because my husband had a year before that lost his job with the company he had been with for 30 years, because the company moved back to XXXX. My husband was working, but only making half the money, so he suggested that if we pay our car loan, we would qualify for pre approval. We took our savings and paid the loan, and called him after it was paid, he then said the loan had been sent to collections and he could not help us. I then went back to my local bank and asked to speak with another loan officer and after one week, she called us back saying she also could not help us, we had to contact collections. I have spoke to maybe XXXX different people, gone to our local bank 3 times, spoke with a lady from the executive office once and she also said she could not help us and had no interest in helping, I called her supervisor and we did not receive a call back. Before this happened, our credit was very good and we had missed 1 payment, which was a few days late, in the whole 5 years of this loan. Because of all this fooling around, they have reported us to the credit bureau as late and this has taken a bad hit on our credit. They now do not want to give us another loan and offered to possibly have a second look and see if we qualified for the hardship remodification loan and he said it 's not sure we will get it, you have to be under a certain salary, we can pay our payments, my husband is making good money, that is not the problem and i told this to the bank. We did not realize going into this at 5 years, we would have to pay back the whole {$240000.00} we were not made aware of this, oh it was probably in the fine print of the contract, but i do n't understand that jargon and relied on the loan officer at the time to tell me this and he failed to do so. We are not faced with a foreclosure and need help immediately. Please help!