23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, the information on my identity theft report has not been blocked. I feel like I'm being taken advantaged of and being ignored of my disputes. In Section 605B, it is plainly stated that 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 days. My information was impacted by the XXXX data breach and has gotten into the hands of the wrong person. I have sent a notarized copy of the affidavit attached. The document was notarized to authenticate the documents and my identity, no further proof of identity should have been required. Any responses that I have received were general responses and did not respond specifically to my affidavit nor my disputes. They did not comply with my demand to block the information in the affidavit pursuant to the law. I have followed all of the necessary steps in order to legally and rightfully have these items removed, including but not limited to : Sending letters to the reporting agency, filing FTC reports with the Federal Trade Commission and sending notarized affidavit of truth clarifying the identity theft. The extended length of time to remedy this situation has drastically impacted my financial stability. I demand these accounts be deleted immediately or I will file for litigation and seek damages due to the stress you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to notify them that there were inquiries on my report that I did not recognize or authorize. Here are the following inquiries : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : I am writing regarding the charge-offs reported on my credit report with your company, Capital One - please see below for all account numbers. To address this matter and ensure accurate record-keeping, I am requesting a copy of the IRS Forms 1099-C if one has been issued for these accounts.

As you are aware, the IRS requires creditors to issue a 1099-C form when {$600.00} or more of debt is canceled or forgiven, pursuant to IRS guidelines . If you have canceled or forgiven the debt associated with this account and filed a 1099-C with the IRS, please provide a copy for my records.

If a 1099-C has not been issued, I would appreciate confirmation of this in writing. Additionally, if the debt has not been canceled or forgiven and remains collectible, please provide evidence supporting your right to collect, including but not limited to : 1. A detailed account statement showing the balance owed.

2. Documentation of the original agreement and terms.

I kindly request a response within 30 days of receiving this letter. If no response is provided, I will assume that a 1099-C was not issued, and the debt remains subject to dispute and these accounts need to be DELETED DUE TO INACCURATE REPORTING BY YOUR COMPANY which is being displayed on my credit report. 

Account Name and Account Numbers : Name : Capital One Bank USA NA Account Number : XXXX Account Name : Capital One Bank USA NA Account Number : XXXX Thank you for your prompt attention to this matter. Please direct your response to my address listed on this account or via email XXXX.
Product: Checking or savings account

There is an account with Capital one that i did not open and i can not get ahold of anyone at capital one to help me. No one will answer the phone or will answer my questions. I have atatched my police report for identity theft.
Product: Credit card

I have an Amazon.com Credit Card from Synchrony Bank. My payment was due by the XXXX of the month and I paid my bill online on the XXXX. As of today XXXX/XXXX/2015, I noticed my payment has not been posted yet and noticed that a Late Fee was charged to my account on the XXXX after I made the online payment yesterday. I called Synchrony Bank and asked WHY they are charging Late Fees on the exact same date as the due date and they said it 's just their company policy to do so and it should take up to XXXX hrs to process my payment and at that time, they can remove any late fees that were applied. I told them it 's not right to charge Late Fees on the exact same date as the Due Date and those fees should never be charged on the same date, but proper accounting practices should reflect late fees the day after the due date if payment is not received. I asked to speak to a supervisor who told me the same thing ... ( It 's their Policy ) and could not explain WHY they charge these fees on the same date as the due date. This is just a Class Action Law Suite waiting to happen. This is a Very Bad Policy and needs to be changed immediately. This can effect Finance Charges on these revolving consumer accounts and overcharge their customers in interest fees. Back Dating transaction and adding/removing fees is improper accounting and collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with Syncbjc Penney XXXX and they made inquiry without reason. I dont have credit with them, It is not fair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX collection company XXXX XXXX XXXX was charged off in XXXX.I have requested the 1099c to support the charge off and it has not been sent. I have also requested proof I owe this collection company XXXX XXXX XXXX and I havent received it. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXThis collection company has now served me with a suit. I will be providing answers to the suit. I am attaching documents of the suit stating they are XXXX XXXX XXXX and not XXXX  as they are claiming.The suit petition and attorney notice account numbers match each other in my attached documents. They cant act as if they are XXXX because they bought my account from them. # XXXX. I have no financial business with this company. This is misleading and false representation.
Product: Credit reporting

There is a medical collection on my credit. As of XXXX 2015, credit reporting agencies such as Trans Union are required to withhold reporting of the collection for a minimum of 180 days and a maximum of 9 months so the patient can receive and pay the bill. I have informed them of this, but they have not removed the collection from my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Late/Closed XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$820.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Charged off XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Collection XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Bankruptcy XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$8400.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviews my credit report and want to make sure everything is reporting 100 % accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX : XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have never applied for a credit card with XXXX  XXXX XXXX, this is clear reason of identity theft, this account affects my credit worthiness. I request immediate blocking and removal of the account with the number XXXX Also the inquiry from XXXX XXXX  made on XX/XX/24 is fraudulent please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was placed on my report that should not be there. I was never notified of the information being placed on my credit report. The information is not accurate and fraudulent therefore it should not be on my report. Please delete items as they are having a negative impact on my credit worthiness.
Product: Debt collection

My debt with XXXX was sent to XXXX debt collection services and both XXXX and myself agreed I would pay 6 payments of just over XXXX dollars each as full settlement of the debt. The day before I was set to make my final payment I was told that the debt had been " recalled '' and that I had to call XXXX. When I then called eaglevalley they admitted that all of this was true and that instead of one payment of XXXX left to settle the debt I now owed over XXXX dollars. I'm worried I'm being lied to and scammed. I was given an agreement to settle the debt and it is not being honored. I have emails to prove the settlement and payments. Now I'm recieving calls from a collection agency called velocity investments for what I believe is the same debt. the number of velocity investments is XXXX. I don't know how I'm supposed to believe yet another debt collector about this debt when the last one lied to me. Please help. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Santander Consumer USA and XXXX XXXX XXXX violating my rights under the FRCA and FDCPA. I purchase a XXXX XXXX XXXX on XX/XX/XXXX and was charged off on XXXX XXXX, XXXX. As a consumer according to the Attorney Generals Office claimed that Santander Consumer USAs subprime lending practices violated my consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly place me into auto loans that had a high probability of default. 
I spoke to the Attorney General office and he told me to place a complaint with Consumer Financial Protection Bureau and FTC. Against Santander Consumer USA and XXXX XXXX XXXX : Account # XXXX or XXXX. If they dont delete these items from my credit report for the violations to forwarded it to them. So, they can file legal actions. 
This month the FTC, State, and Federal Law Enforcement Partners Announce Nationwide Crackdown on Abusive Debt Collection. READ BELOW ; Santander Consumer USAs Subprime Auto Loan Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. 
Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. 
Consumers who are eligible for relief under the settlement please contacted the Attorney Generals Office. 
I as a consumer fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit. 
I am maintaining careful record of my communication for the purpose of filing this with Attorney Generals Office as I was told today. This complaint is in respond to XXXX XXXX XXXX XXXX attachment on XX/XX/XXXX. 
You should also inform Santander Consumer USA that there charge off be removed from credit report under there names this is under terms of relief for the consumer : engaging in credit repair for affected consumers. 
Please remove these items with every CRA asap. Also send me a letter from both XXXX XXXX XXXX and Santander USA stating it will be removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, 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. 

1.XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 4.XXXX XXXX Account # XXXX 5.XXXX XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A . States i have the right to privacy.

15 USC 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681 section 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: Debt collection

I have never had a bank account with XXXX XXXX. They claim I owe {$250.00} but they can not tell me why I owe that money.The debt collectors can not tell me why they think I owe them money. They kept asking me for my XXXX XXXX account number, which since I never had an account, I can not give them. I called XXXX XXXX, gave them my last XXXX of my social security number, they did a check and decided I did not owe that money. They referred me to their check fraud claims department and they want my full social security number and that I fill out an affidavit. I have no obligation to do anything for them because they have not proven I have a debt or given any real explanation for any debt. I have written them letters explaining myself but they still threaten me with closing " my claim '' if I do n't fill out their form within 20 days. This is personally identifiable information which they have no right to. I would fine them for unethical behavior and not give them my driver 's license or social security number.
Product: Money transfer, virtual currency, or money service

Pnc is blocking XXXX transactions for no apparent reason Also it's pretty complicated just to file an initial complaint on this site.
Product: Credit reporting or other personal consumer reports

I have contacted the company multiple times stating this account is not mine and has not been removed. Please remove this fraudulent account from my credit report. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting " LOAN MODIFIED '' on my XXXX Credit Report, XXXX and Equifax which is not accurate. This is having a negative impact on my ability to apply for a credit card. I have included a screenshot of the tradeline, my most recent statement from XXXX XXXX, a complete copy of my credit report, and a copy of the decline letter from a separate creditor.
Product: Checking or savings account

I opened an account with this banking institution XXXX 2021 since opening the account the bank continually charged me fees ( Maintenance, Paper Statement ) even though the account was frozen! Also I had no access to my online account during the duration leading me unable to change any of the assessed fees! I reached out to customer services and they told me the fee could be refunded! When I recently called they informed me that since the account was closed they could not issue any refunds! this is totally ridiculous and unacceptable the bank basically robbed me of approximately XXXX $ in fraudulent fees and took advantage because I had no access to the account until as of recent!
Product: Credit card

I am writing to address a matter pertaining to late payments on my Capital One account, accurately reflected in my recent credit report. While I fully acknowledge the accuracy of these late payments, I would like to provide context regarding the financial challenges I faced during this period. 

Despite encountering significant financial difficulties, I have remained unwavering in my commitment to improve my financial situation. As part of this effort, I am currently in the process of obtaining my real estate license, a crucial step towards ensuring a stable future for my growing family. This pursuit signifies my proactive approach to securing a better financial standing. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), I kindly request your consideration for a goodwill adjustment regarding the late payment entries on my account. I believe such an adjustment would not only accurately reflect my current financial responsibility but also contribute positively to my ongoing efforts to enhance my financial standing. 

Specifically, I would like to draw your attention to the following sections of the FCRA : 15 USC 1681 section 602, which states that consumers have the right to privacy.

15 USC 1681 section 604a section 2, which prohibits consumer reporting agencies from furnishing an account without written instructions.

15 USCS 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached tracking number on last and final request PLEASE NOTE new information/investigation XXXX has XXXX input in computer SS tracker and trying to establish a Nevada residents when I am a California Residents LAST REGISTERED LETTER ASKING HIM TO BE REMOVED AND NOW ASKING THE ATTORNEY GENERAL FOR CRIMINAL ACTION not to mention probably the reason my old Email was compromised and had to shut it down loosing all my case logs
Product: Credit card or prepaid card

Disputed a charge with discover, charge was for a service not as advertised.

Sent plenty of valid proof to discover, about 15 images of proof. 
Discover sides with the merchant and refused to accept anymore documentation I had. Would not give me the documentation the merchant provided either Discover has a habit of denying valid disputes with customers. This is the second time this has happened to me personally
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate. XXXXXXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is crazy! The amount of incorrect information thats being reported on my credit report is ridiculous. These credit bureau should be ashamed of themselves and its not fair that they get to report what they feel like reporting and its hurting my personal life. I wrote a dispute letter XX/XX/2021 and sent it certified so I can make sure they get my letter. Im going to attach all my letters I sent out, return receipts that I got and proof of my Identity. I want this issue resolved immediately. Please help me take care of this matter CFPB. Thank you
Product: Checking or savings account

Here is an example of a fee taken from my account : XX/XX/XXXX, XXXX for Non-Citibank ATM use - {$5.00} {$290.00} Transaction Date XX/XX/2024 XXXX XXXX XXXX Posted On XX/XX/2024 Transaction Type Fees I was asleep at XXXX on XX/XX/XXXX. I called and asked WHAT ATM ( location ) I withdrew the money from and they could not answer me. There is not address listed on the charge. 

In the past I have been charged for using Citibank approved ATM machines from their list of ATM machines and they DENY that that is their machine. 

I want my bank account to be audited for fees I was charged.