23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I got a new Credit card in the mail in XX/XX/XXXX. I went to my personal bank, tried to get a cash advance and was told that the card was declined. So I withdrew the funds from my personal bank account. In XXXX, XXXX, I received my first statement from my new credit card, and the FIRST TRANSACTION on XX/XX/XXXX, was a CASH ADVANCE. My FIRST STATEMENT also included an important message that my ACCOUNT IS PAST DUE, however, this is my FIRST statement. I was charged a LATE PAYMENT FEE, CASH ADVANCE FEE, & I have a previous balance, but AGAIN, this is my first statement. I am also being charged an interest for the cash advance. I called Fortiva bank card, & I tried to explain the problems with charges I didn't authorize, and the cash advance that I was told was declined. After my daughter called 3 times for me, I was sent a letter on XX/XX/XXXX, about the unauthorized charges in XX/XX/XXXX. We sent that into Fortiva, no word yet. On each of my statements that have actually been sent, I am still paying cash advance interest charges. I have paid {$990.00} on this card since having received it in XXXX of XXXX. Every time I make a payment, around XXXX  goes to my balance, the rest just pays fees associated with my account. I am XXXX years old, and I am on social security. Only one or two times have I paid the minimum payment. If all I am going to pay is fees, I might as well not pay anything, because this card will never be paid off. I have cut the card up and  disposed of it. Fortiva keeps telling me that I am late on my payments, however they don't even send me statements to show me how much I owe. My daughter set the account up online, so she could see what is going on with it. In XXXX, the first statement has a due date of XXXX XXXX. I received the card in XXXX of XXXX. My agreement with them states that they will send me statements by mail, and they have not done so. I can only pay my bills with checks as I am not computer savy as my children are. For the 2020 year, there are only three statements listed, XXXX, XXXX, and XX/XX/XXXX. In XXXX 's statement it shows I am over the limit {$120.00}, and I haven't even used the card. It shows I have a past due balance of {$150.00}, and I have been sending them {$100.00} a month. They have charged me {$12.00} maintenance fee, and a {$40.00} past due fee, but the last statement I received before XXXX, XXXX, was XX/XX/XXXX statement. I am still also paying a finance charge for a cash advance that was declined in XX/XX/XXXX, and it has been 15 months ago.
Product: Credit card or prepaid card

As I was not using my credit card, I asked my account manager at HSBC to close my account in XX/XX/XXXX, to which she replied by email " Okay, I will close the accounts ''. 

In XXXX I was contacted by HSBC credit card department saying that there was pending charges on my card I should pay. 

I contact my banker again to clarify the problem to which she replied by email on XX/XX/XXXX " I spoke to out fraud team and they are in the process of refunding the charges and closing the account. I will confirm with you next week once the account has been closed. '' Then on XX/XX/XXXX she sent another email " Confirming the account has been closed. '' I saw my credit score drop around XXXX and then again in XXXX when several major derogatory were reported from this credit card at XXXX. 

I have been calling HSBC credit collection department since XXXX and share the thread and they told me they would cancel the charges and remove the reports on my credit score. 

It has been now more than XXXX months, and I can not buy a house and take a loan because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a dispute letter to you regarding accounts XXXX XXXX, XXXX BXXXX XXXX XXXX stating these accounts were opened using my social security card which is a form of a credit card. The reporting of these accounts on my consumer report are to be excluded pursuant to 15 USC 1681 ( a ) ( 2 ) ( b ). On XX/XX/22 you sent me the results from this dispute verifying they are reporting accurately but how is this possible? When I never gave you written permission ( pursuant to 15 USC 1681b ) to furnish these reports on me in the beginning. I am demanding these accounts be removed from my consumer report as well as the XXXX per violations stated in my previous letter dated XX/XX/22 making that a total of XXXX. The reporting of these accounts has over the months caused me XXXX XXXX XXXX XXXX  and stress.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a new credit card with 12 months 0 % promotional rate on purchases. It would make sense that I should pay no interest through XX/XX/XXXX.  Unfortunately Capital One thinks differently. They said that the 12 months 0 % promotional rate expired in XX/XX/XXXX. Not sure how is that possible. They charged me {$180.00} in interest for one month. I talked to a manager at Capital One, his name is XXXX and he was located in XXXX, Manger ID XXXX. I asked him to resolve the issue and reverse the charge, but he completely refused to make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry on my credit report from XXXX XXXX on XX/XX/2022. I have not asked for a new card or a credit increase. I spoke with XXXX XXXX and they said it doesnt show that I applied on there end but it does show on XXXX XXXX report. I would like for this to be removed. I also have other hard inquiries from other accounts that I did not request can they all be removed please.
Product: Debt collection

i have disputed this account multiple times with Franklin collection services, both online and by mail. The same XXXX XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially. 

I only have access to limited information, because this is NOT my account. 

reporting as : account # XXXX amount : {$210.00} original creditor : XXXXXXXX XXXX XXXX I do not know the address associated with this account, because it's not my account. it more than likely belongs to my ex husband, XXXX XXXX, XXXX XX/XX/XXXX. SS # XXXX. address : XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX. XXXX XXXX. He moves and gets evicted constantly due to drug related issues, and I have court documents to show that I am not responsible for anything he did with that house or any of the utilities after we separated on XX/XX/XXXX.
Product: Vehicle loan or lease

Due to unforeseen life circumstances, I had to filed bankruptcy in 2019 and included a lease with Ford Motor Company in that bankruptcy. I found out that my attorney, XXXX XXXX filed a reaffirmation agreement with Ford Motor Company 4 to 5 months AFTER my bankruptcy was closed and discharged. I reached out to my attorney to find out why he did that without my knowledge and was informed that he was disbarred due to unethical practices. I reached out to Ford Motor Company but was told they would not do anything. 

I am trying to obtain a vehicle for work but my credit reports are reflecting a bankruptcy and a repo post bankruptcy. I feel that the information being reported to the credit bureaus by Ford Motor Company is inaccurate and misleading and I have tried to rectify but have been denied. 

I have attached copies of supporting documentation.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company told me my credit would be negatively affected if I didnt pay them the debt and I asked them to stop calling me. 
Under 15USC 1962 ( c ) they can not contact me anymore.
Product: Credit reporting or other personal consumer reports

I have included a FTC report containing all information needed for the record as well as attached screen shots of illegal bank withdrawals
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX XXXX XXXX is reporting late payments FOR 32 MONTHS ON TRANSUNION AND XXXX. 

and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX XXXX XXXX, TRANSUNION OR XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX XXXX XXXX, TRANSUNION AND XXXX my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are not investigating the negative account reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of this account and I have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following account as not in dispute, when in fact it is in dispute. The account is XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This item is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this account however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Equifax, XXXX XXXX XXXXXXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

As property owners of XXXX XXXX XXXX XXXX, XXXX GA. XXXX, my wife and I decided to change our homeowner insurance policy from XXXX XXXX to XXXX XXXX XX/XX/XXXX. We submitted the documents that were asked of us. Then we trusted that the insurance company and mortgage company would act with our best interest, and had informed of us of all steps needed. 

We released permission to Seterus ( the mortgage company ) to pay the new homeowner 's policy to XXXX XXXX. XXXX XXXX sent a letter to us on XX/XX/2016, stating that due to non-payment the homeowner 's insurance policy was cancelled. 

Unknowingly to us, Seterus had paid XXXX XXXX on XX/XX/XXXX for the policy. Then, they paid XXXX XXXX as well for on XX/XX/XXXX. We did not receive notification from XXXX XXXX that the policy had been reinstated. Nor did we receive notice from Seterus that they had paid XXXX XXXX, and also paid XXXX XXXX. As the homeowner, we were unaware that we had XXXX policies on our home. 

XX/XX/XXXX, Seterus sent a letter to us, stating that we owed approximately {$1900.00} for a deficit in our escrow account. When I called Seterus, they were not able to provide an explanation of why there is a deficit. The letter stated that we could either pay the {$1800.00}, or we they would increase our monthly house payment from {$740.00} to {$940.00}. 

I became aware that there were XXXX insurance policies for XX/XX/XXXX when I received a renewal policy from for our homeowner 's insurance from XXXX XXXX for the XXXX year. I contacted XXXX XXXX on XXXX XXXX, XXXX, who confirmed that they are currently providing insurance coverage for the property of XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. I then contacted XXXX XXXX on XXXX XXXX, XXXX, who confirmed that they are also currently providing insurance coverage for the property of XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. I then contacted Seterus who confirmed that they also have on record that both, XXXX XXXX and XXXX XXXX are providing insurance policies on the property known as XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. Paying for the XXXX policies out of our escrow account is causing my family punitive damages, for a situation that was out of our control. 

I would like for Seterus to return the amount of {$610.00} to our escrow account and apply the additional monies paid each month above the {$740.00}, to the escrow account associated with the mentioned property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a fraudulent account named : XXXX XXXX showing on my credit report and its affecting me to buy a home
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove and block such information from my credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX View All AccountsPrevious Next -BAL : {$4500.00} - XXXX XXXX XXXX -BAL : {$3500.00} - XXXX XXXX XXXX -BAL : {$2200.00} - XXXX XXXX XXXX -BAL : {$5300.00} - XXXX As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

A. XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXXXXXX-XXXX    XXXX, XXXX XXXX XXXX-XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX-XXXXr XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX FOR - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXTHE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX CT -- Thank you, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ive been unknowingly scammed apparently on Zelle across the numerous apps that I use ( XXXX, XXXX XXXX XXXX XXXX XXXX ) and would like research to be conducted on upon if any fraudulent charges have been happened upon my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 BB & T incorrectly reported my credit card account as late and in violation of CARES ACT.
Product: Student loan

I have attempted an IRP with Navient. None of the options are the right fit. They just keep placing me on a hard ship forbearance. No other options but to pay the monthly or keep forbearance but if I understand correctly there are only so many of those.
Product: Debt collection

During a very difficult time, Amex collections habits were relentless and ruthless. They called my employer more than 4 times daily from their Arizona hub. They shared with my mother my personal information, and shes not even on my account. They also shared information with my brother. It was humiliating and degrading. It had gotten so bad at work that it annoyed my co-workers and boss - I was sent home for a few days as they were attacking our companies main line. I have proof of all contact, even after telling them repeatedly not to call me at work. They would call me everywhere but my own personal line - Im assuming as a scare tactic. It was more like bullying. So aside from my credit being completely ruined after explaining to them the situation and still sending them funding even through COVID. They still continue to mark me late monthly on my credit report. No empathy or assistance whatsoever just harassment after several years of timely payments and multiple accounts. The only company that would not work with my DMP, but arrange payments with them anyway. The reps are extremely robotic, and sometimes difficult to understand. Im paying a large amount per month, and still being reported. I was even charged late fees by Amex after being sent to collections - with payments going their way. The debt on each card is $ XXXX. I pay over {$300.00} on one card now and almost {$200.00} a month on another regardless of my situation. Still not good enough. Its honestly discouraging - and Im doing everything on my part. Complete failure on their end.
Product: Mortgage

Covid 19, no work. Only forbearance plans offered. Need deferred payments
Product: Student loan

This loan was for training at XXXX XXXX XXXX out of XXXX XXXX fl they filed for bk and out of business i had no job and no income and no credit my dad just got done with a XXXX and the debt was discharged. The loan was reported as closed and current now all the old reporting is gone they have me as a signer and 60 days delinquent. I have received nothing from wells fargo they just go start reporting incorrect information and screwing my credit score because of there incarcerate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE
Product: Credit reporting

My personal information was compromised and I received notice of this through a credit monitoring agency. I have had inquiries that were disputed and taken off, then reinserted. I have had accounts that were taken off then reinserted. Balances and accounts that were discharged now reporting as open with balances ; transunion AND XXXX both continue to report. With both CRA, accounts that are closed either reporting as open or still even being reported when they should not be reported as accounts that I have. I 've added a sample of the way accounts that have begun to reinserted, in the document attachments. I 've placed security freezes to support safety in my account.
Product: Credit reporting or other personal consumer reports

I asked XXXX to verify this debt as mine they said it was. They have not been able to. 
Here 's their response. 

XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.