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

Hi My name is XXXX XXXX. A fraudulent credit card was opened in my name with Capitol One in XXXX I have called and spoken with the fraud department and submitted a dispute through XXXX and was told through XXXX that the credit card was verified and updated. I called capitol one directly and the address and phone number listed on the account have never belonged to me. I provided them my accurate phone number and address for me. I have no knowledge of this account prior to accessing my credit report and altered them as soon as I was made aware that this account existed. I am formally requesting this charges come off my credit report and this account be completely removed from my credit profile immediately. I am very disappointed with capitol ones fraud department and this fraudulent credit account has completely ruined my credit. Please investigate this matter with the utmost urgency.I also placed a fraud alert on all three of my credit reports which my current phone number before any credit accounts can be opened in the future.
Product: Vehicle loan or lease

we are a licensed used car dealer that obtained a vehicle persuant to minnesota statutes sections 514.19 and 514.20. we sold the vehicle to our client who has had it reposessed 2 times from the lienholder previous to our obtaining the vehicle. the first time it was returned and now this time they refuse to speak to us or give us any information about recieving our vehicle back.
Product: Credit card or prepaid card

Barclay card I submitted a complaint via the CFPB website on XXXX XXXX with your company and a lady by the name of XXXX responded back and she gave me information about tow companies who I could contact about two charged off barclaycard accounts I spoke with both companies and they state that they do not have these account in their Possession.your company should have enter the name of these companies when you closed this account I took the the FTC website and it clearly state that you must enter this information on the consumer report I have reports from all 3 credit reports from XX/XX/2019 that I will be more than glad to submit you. Showing that you never entering the req information by law. I asked you to please remove XXXX and XXXX as you have hurt my my ability to obtain employment or anything in my name to to your companys negligence please remove these accounts today
Product: Debt collection

I got a letter in the mail on XX/XX/2023 stating that I owed a debit from indigo credit card for XXXX and that they will report Credit Bureau Reporting : We may report information about your account to credit bureaus. Negative information such as a default may be reflected on your credit report.

This information is not legal advice. The law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems , LLC ) can not sue you for it. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. It you do not pay the debt, we may report or continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting PRIVACY NOTICE Jefferson Capital Systems , LLC ( also referenced herein as we and us ) is providing this notice to you as required by Federal law. We may collect nonpublic personal information about you as permitted by law from : Your transactions with us ; Prior owners of your account ; Consumer reporting agencies ; Applications or other forms that you provide to us.

We may disclose nonpublic personal information about you to the extent that it is : ( a ) specifically directed by you ; ( b ) permitted by the Gramm-Leach-Bliley Act such as to service and maintain your account ) ; and ( c not prohibited by other applicable law. including. but not limited to. the Fair Debt Collection Practices Act.

We restrict access to nonpublic personal information about you to employees who need to know that information to provide services to you. ' We maintain physical, electronic and procedural safeguards that comply with federal XXXX XXXX XXXX nonpublic personal information. 
Mail this form or Send correspondence to : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Mail pay ents to : Jefferson pital Systems, LLC XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX _
Product: Credit reporting or other personal consumer reports

I FOUND OUT THAT SOMEONE HAS BEEN USING MY INFORMATION. 
I AM PROVIDING SUPPORTIVE DOCUMENTS TO BE SENT TO EQUIFAX SO THAT THEY CAN DO WHAT IS RIGHT AND REMOVE THE ACCOUNTS AND INQUIRIES THAT WERE PLACED ON MY CREDIT CARD BY SOMEONE WHO STOLE MY IDENTITY. PLEASE REFER TO ATTACHMENTS FOR DETAILED INFORMATION ON THE MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX, Citibank functioning as Brooks Brothers credit card Number XXXX reported past due amounts. It occurred because I had changed my bank. Before these dates, I tried to arrange a payment from my new bank. I called the number on the credit card to change the bank routing number and account number. I thought I was successful. When I received another notice from the collections department, I called again. I was successful in changing the bank routing number and account number. I don't recall whether I changed it online or over the phone. After I explained the situation, I asked if the late payments has been reported to a credit reporting agency, they had. I asked if they would reverse the report, they were completely uncooperative. I then instructed them to close the account. Recently I requested a credit report from XXXX XXXX. I noted the late payments in the referenced month. I decided to contact your organization to file a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Date opened : XX/XX/ Balance : {$5200.00} XXXX XXXX Opened : XXXX. XXXX, XXXX  Balance : {$4900.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX XXXX : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive notified XXXX and Transunion multiple times in regards to a collection from creditor Capstone and the fact I dont own the debt and the company engages in violations of fair credit reporting practices. 

Ive now sued XXXX XXXX XXXX and submitted another dispute to XXXX to remove XXXX citing pending litigation against them. As a XXXX citizen it is my right to a fair trial. I will not have this inaccurate fee on my credit knowing its false. 

XXXX and Transunion needs to delete it while under legal review.
Product: Credit reporting or other personal consumer reports

I am making a complaint due to Experian, XXXX, XXXX reporting unauthorizes accounts and inquiries on my report which I don't recognize.This is against my consumer rights and at this time I feel taken advantage of. Ftc has been files and all accounts needs to be removed from my consumers report. 

Collections : XXXX XXXX {$8000.00} account number : XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company called XXXX XXXX XXXX ( address : XXXX XXXX XXXX XXXX, MA XXXX ) that has been posted on my Experian, XXXX, and XXXX report that is complete FRAUD. Ive tried clerking with them in removing and telling them this isnt me, my name or address. Theyve refused due to being so greedy for money. This is not my account and Ive never opened anything with them. The balance date is : XX/XX/2019 and was alerted to me on XX/XX/XXXX. 


There is also another fraud file reporting on my Experian, XXXX, and XXXX report called XXXX in the amount of {$1200.00}. Ive tried stating to them this credit card was opened by my sister and NOT me. Ive had zero help in fixing this issue and it needs to be removed off of my account. I dont Understand why I have To keep fighting these fraud charges. I need My credit files LOCKED
Product: Credit card or prepaid card

I did not receive a statement. When I finally did receive one there were late charged. I tried to pay my account on line but it didnt work. I mailed a payment less the late fees and requested the fees be removed and my account to be closed. I paid for all of my merchandise but Synchrony Bank keeps sending statements with additional late fees and interest on top of the late fees. Now they are threatening to debit my bank account without my permission. I receive multiple harassing phone calls daily.
Product: Mortgage

After the hurricane of XXXX, I called RP Funding to pay over the phone because their website was down. At that time I was offered 3 month forbearance since My account was current and I had experience property damage. I was told that the 3 months payments would be added to the end of the mortgage, that no fees would be incurred and there would be no effect to my credit. When I tried to pay for XX/XX/XXXX as I was told my next due date would be, the website was still not functioning so I called the company again to make the payment. The agent who took my payment apologized for the inconvenience, took my payment and waved the fees normally charged for phone payments Thereafter I started to get delinquency letters and when I called to query the letters I was told that I should disregard them because more people accepted the offer than anticipated and that there was a back- up in updating the records. I continued to make my monthly payments and made several contacts with the company by phone and letter in attempt to resolve the issue. About XX/XX/XXXX, I received a letter stating that my payments would be returned and future payments not accepted. Subsequently I wired the total funds they said I owed even though I disagreed with the total. This was also returned stating that I needed to send more than {$2000.00} additional. Then I receive notice that foreclosure was filed and my account was reported to the credit bureaus as delinquent. I think that the hurricane is being used as an excuse to charge additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I initiated a dispute online with XXXX XXXX in regard to the tradeline, XXXX XXXX XXXX . It was reported that the credit grantor closed the account out. However, I requested for the account to be closed originally and was never late on my payments since I had payment protection setup with Mycardsecurity. I submitted the dispute and on XXXX it showed the status of the dispute was in review and how the estimated date of completion was supposed to be on XX/XX/year>. As of XXXX Transunion and XXXX XXXX  hasn't fulfilled the investigation and it has been way past 30 days.
Product: Credit reporting

I am a victim of Transunion credit inquiries issue ; I spoke with a Transunion representative multiple times, offered to send a copy of my XXXX credit report for the past 6 months. 
The following credit inquiries are not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I disputed the transaction with XXXX and clearly explained that I purchased shoes but received an empty box. It was done more than three month ago. I was issued provisional credit which later was charged back to my account. I opened a new claim and still wasn't provided my funds back. I was supposed to get update on XX/XX/XXXX after I didn't get it I called Bank and was promised that somebody would contact me. Still nobody contacted me.
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. 




Inquiry XXXX
Product: Credit card or prepaid card

I have complained to Chase on XX/XX/2021 to stop sending me marketing offers for balance transfers and any other marketing promotions to my mailing address. I called them on the phone listed on back of my Chase Freedom card on XX/XX/2021. I was told it would stop in 1 month. Now 4 months later is still going and filling my mail box with trash. I got one on XX/XX/2021, XX/XX/2021 and XX/XX/2021. See attached letters. I want them to stop immediately. I am not interested and is annoying and they are harassing me with offers that are not useful. I want them to stop immediately or I will have to cancel my card.
Product: Credit reporting or other personal consumer reports

I have information appearing on my credit report that I need deleted/removed it is not accurate. My name is XXXX XXXX please remove any variations of my name. My current employer XXXX XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 items of information, other than records of convictions of crimes which antedates the report by more than seven year.

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, credit repair services, or other personal consumer reports

Please remove address XXXX XXXX XXXX XXXX GA XXXX
Product: Mortgage

Dear Chase, I appreciate all of your assistance regarding mortgage and explaining XXXX XXXX XXXX handled the foreclosure process in XX/XX/XXXX 
XXXX XXXX XXXX - appears to not be aware of bankruptcy proceeding until recently. 
XXXX XXXX XXXX - appears details may have not have been provided regarding foreclosure. 
Improper transactionmistakes and errorsappears to be a void-able deednotary revoked for code violationsappears to be a void-able eviction/unlawful detainer has wrong title sale number XX/XX/XXXXeviction during bankruptcy XX/XX/XXXX - XXXX and agents presented no bankruptcy documentseviction filed using title sale number foreclosure that was rescindedrecession shows bank was working with meinterest remained in propertymy biggest regret not paying mortgage to WaMu - as WaMu stated this was the only way to obtain a modificationAs well as any notice that Chase took over WaMu XX/XX/XXXX- XX/XX/XXXX - this may have prevented mistakes and errors that occurred.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a bill payee for {$490.00} to pay a bill XXXX. I receive a call that they had not recevice my payment. I told them I sent it already, gave them the date and addresses where I sent the payment. I wait seven days before I could file a complaint.I was told I need proof of payment. I got the proof and fax it in. Them I was they needed to see the check. I went to Wellsfargo request a copy of the check. I recevice a copy of the check and discover that the check was mail to another company. I went to Wellsfargo and file a complaint and let them know what happen, they took the report and I have to wait 7-10 business until the do their investigation. I recevice a called XX/XX/XXXX, telling me nothing they could aboout it. XXXX reported me to the credit bureau late payment. Also, my credit was affectted my creditor drop me credit limit. My concern is they sent thr payment to the wrong company and they are not responsible for this.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Zelle and my financial institution failed to investigate my claims adequately. I was informed that it would be impossible to recover my lost funds and that tracking these transactions was unfeasible.
Product: Mortgage

PREVIOUS LOAN # XXXX NEW LOAN # XXXX I MADE MY REGULAR MORTGAGE PAYMENT ON XX/XX/2021 TO AMERICAN PACIFIC/WEB PAY. APPARENTLY AMERICAN PACIFIC SOLD THE LOAN SERVICING TO XXXX XXXX  AROUND THIS TIME. NOW MY PAYMENTS HAVE CHANGED TO PAYING XXXX XXXX  INSTEAD OF AMERICAN PACIFIC. I HAVE A BANK STATEMENT SHOWING TWO ONLINE PAYMENTS ON XX/XX/2021. ONE IS XXXX FOR THE MORTGAGE AND ANOTHER PAYMENT OF XXXX THAT SHOULD HAVE GONE TO THE PRICIPLE OF THE LOAN. I MADE MY PAYMENT FOR XXXX TO XXXX XXXX  AND THEY INFORMED ME THAT I WAS DELIQUENT ON MY XXXX PAYMENT THAT WAS NEVER FORWARDED TO THEM FROM AMERICAN PACIFIC. THE PAYMENT IN QUESTION CLEARED MY BANK ON XX/XX/2021 AND I HAVE THE STATEMENT TO PROVE IT. AMERICAN PACIFIC DID NOT FORWARD THE PAYMENT TO THE NEW LOAN SERVICER. SOME ONE IS ATTEMPTING TO STEAL A MONTHLY PAYMENT FORM ME.
Product: Debt collection

On Friday, XX/XX/2021 my mother received a notice from Credit Collection Services of a debt in my name. My mother is not, nor has ever been on this account. The name and address of my mother is different from mine. 

I contacted Credit Collection Services to inquire as to why my mother was contacted about this debt. They claimed that it was impossible that she was contacted as her name or address was in no way associated with this debt. Credit Collection Services was unable to tell my why my mother was contacted, nor give me any indication that she, or any other third party, would not be contacted as well. 

The company who shared my personal information is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX XXXX XXXX Account that was included in open Bankrupcty case was removed twice but keeps reappearing on Equifax. They refuse to remove permanently.
Product: Credit card or prepaid card

Tried to resolve this with Chase Bank directly, but it did not work. I opened my credit card statement to discover a new " TRANSACTION FEE '' on my card. When I clicked on it to view more details, there was nothing. For all other transactions, it tells you all the relevant information : IDs associated with it, the vendor, etc. With this, there was XXXX. It's almost like they were hiding it. When I called them, they immediately told me it was because they recently decided to start charging for using XXXX with my card. They did not warn me of this, help me to understand this ahead of time, and if they did in any way, it was not sufficient communication. If it was, I would have stopped immediately. The fact that the online interface hides all details is proof they don't want you to know. They're super eager for you to know about other vendors that may be fraudulent, but not them, not themselves. They play by different rules where they hide and give you no recourse. 

Mind you, this is a NEW fee on existing behavior. The burden is on them. 

In total they have charged me {$120.00} in fees in the last year or so. I demand they do the right thing and refund me.