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

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

1. XXXX XXXX XXXX  {$700.00} 2. XXXX XXXX XXXX  {$120.00} 3. XXXX XXXX XXXX  XXXX 4. XXXX  XXXX XXXX  XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX  XXXX unknown 7. XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was recently granted a divorce from my husband. The court ruled that he was liable for all outstanding debts on a Master Card with Wells Fargo. I contacted Wells Fargo to have my name taken off of the account and to notify them that my husband was liable for paying off the balance due on the card. I sent them a copy of the decree of the divorce. I made several phone calls to Wells Fargo. I went to a local bank and pleaded my case. I was told Wells Fargo does not honor divorce decrees and that they are holding me responsible for the outstanding balance along with my husband. My husband is the primary card holder on this card and he refuses to pay the balance due. This outstanding balance is destroying my credit rating. And I do not have the money to pay off the balance. Well Fargo also changed the credit card from a Master Card to a Visa card without notifying me. They would not give me the new credit card number until I went to a local Wells Fargo bank and demanded that I be given that account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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: Credit card or prepaid card

I am writing to dispute a charge of $ XXXX mycredit cardaccount XXXX XXXX 2023. The charge is in error becausemy credit card was reported stolen and I was not in the country when the card was used. I have proof of my travel if required. I have already made multiple calls to the fraud and claims services explaining that my card was stolen however the agent I spoke to didnt file the claim correctly. This error is because the Bank of America representative did not file the claim correctly. 
The error needs to be corrected and any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Product: Credit card or prepaid card

I was charged by Capital One Mastercard for a {$22.00} cash advance in XXXX of XXXX. I did not know of this until I complained again about the usurious interest rate of 26.4 % being charged to my card account. When I first took up the telephone offer for the card the representative promised me that if I showed a good record of making monthly payments that my interest rate would be dropped to a lower percentage. Finally after about two years the interest rate was dipped for about 6 months and then went back to the original 26.4 % rate. I complained about this again in XXXX of XXXX and then I found about this unknown {$22.00} cash advance of XXXX that I did not authorize. The representative said he would forward this to the Capitol One fraud division. I then told him to freeze my account and not honor any further charges and I would not make any payments on the account until I got a paper trail bill dating back to XXXX of XXXX. To date I have not received the paper bill and I called Capitol One again on XX/XX/XXXX to both complain about the usurious interest rate and the fact that nothing had been done to remove the fraudulent charge on my account. I told them I would file a complaint with the Attorney General of Nevada and the FTC about the predatory actions of Capital One in telephone solicitations to induce and lock people into horribly high interest rates and not investigate fraud on my account with due diligence I hereby submit this complaint.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C 1681 which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administration proceedings ( File no. XXXX ) against them for similiar violations. I request that the Cfpb take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation, I have multiple accounts that have been reported inaccurately. XXXX XXXX XXXX account # XXXX report balance XXXX this account was not open by me and it states this account was opened in 2024 which is not accurate. Once again never heard of the company not opened by me. 
Personal information is listed is not accurate as well. Inquiries I did not do XXXX XXXX XXXXXXXX XXXX XXXX,2024, XXXX XXXXl, XXXX XXXX2024, XXXX  XXXX XXXX XXXX XX/XX/year>2024, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 2024, XXXX XXXX XXXX XX/XX/scrub> 2024. All these hard inquiries were not me. XX/XX/year>2024 XXXXXXXX. Soft inquiries are out of control as well. I never asked for these and they are happening practically everyday. 
XXXX XXXX XXXX : account XXXX in accurate and misdated. when I disputed they will report over and over again with a new open account date. XXXXXXXX XXXX  account # XXXX associated with an address I never lived at. XXXX XXXX has me listed for two when I only had on and its closed and paid off account # XXXX. I called and disputed with company as well as credit agencies still listed on credit report. I also have attached documentation reflecting my disputes and it always comes back accurate with no removal, but no documentation provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  * Account # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

We have owned this property 14 years, but recently our equity line mortgage payment went from XXXX a month to over XXXX a month. Mind you we don't qualify for this XXXX increase, nor were we informed that it would increase that much, nor have we been offered any help by Suntrust to resolve this issue. To help on the mortgage side, XXXX did a loan modification for us and took our 1st mortgage from XXXX to XXXX which is a completely reasonable thing to do. Suntrust is trying to foreclose on the property rather than help us, by jacking up the rate over XXXX which took our total mortgage payment from XXXX a month to XXXX a month! Then they tried to get in first position instead of in the HELOC position by tacking on junk fees and late fees so that our second mortgage is owes more than our first mortgage, which would put them in place to be fully paid in the event of foreclosure. DIRTY POOL. I submitted a loan modification to them over 6 months ago, yes, 6 months. And they keep giving me the run around. Well, you are only 2 months behind so we can't help you. You need to be 3 months behind, but no more than 120 days behind. Oh, sorry now you are 121 days late, so now we can't help you again unless you pay another month to be 3 months behind, but not 4 months behind. Absolutely and positively ridiculous game they play. In XX/XX/XXXX I paid 2 months, to try and catch up, so this month I log in and they have tacked on more junk fees. This company is the world 's worst bank, and you need to shut them down. XXXX is in bankruptcy, but at least they are decent about it. I asked Suntrust to provide proof that our loan went into acceleration and they have yet to provide one single document showing that they have the right to take our loan from {$400.00} a month to {$1100.00} a month. Even the NC XXXX XXXX company stepped in to try and help us, but the junk fees that Suntrust keeps tacking on to our account, keeps our account constantly in arrears. I would like to 1 ) have proof that this is legal 2 ) find out why it has taken 6 months to get our loan modified ( XXXX did ours in a week ) 3 ) reprimand Suntrust for conduct unbecoming of a federally insured government entity.
Product: Credit card or prepaid card

I have wasted several hours going back and forth with capital one about XXXX dollars. A merchant charged me for a trip and did not provide the trip. The merchant arbitrarily decided to refund 50 % of the trip and nowhere in the terms and conditions does this state that is acceptable. I would like capital one to defend/advocate for their customers, absurd the workload with this matter, with their " XXXX  '' credit card, venture x, and refund the other 50 % XXXX $ dollars. Capital one has not handled this matter appropriately and should have reviewed what the merchant sent back to defend why they refunded XXXX dollars. 

Please note : other transportation needed to be arranged to my destination at a higher price {$230.00} billed to this card XXXX XXXX for the return trip.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unverifiable information reporting to my credit file on XX/XX/2021. I have never received a response from either XXXX. WHICH is a direct violation of my rights
Product: Money transfer, virtual currency, or money service

I tried to receive a MoneyGram transaction of {$530.00} upon arrival at a local XXXX/Pharmacy location my transaction was made available I was instructed to go to the clerk to receive my funds where my transaction was voided 3 times and then I was instructed to call MoneyGram where MoneyGram notified me that my transaction was marked as received when in fact I did not receive any funds and 5 days later MoneyGram is providing me with false information and refusing to restore my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that at current time TransUnion is reporting information from a account under Account # XXXX from XXXX XXXX XXXX that is violating the F.C.R.A and due process of federal law which is adversely affecting my credit rating. A dispute was filed and TransUnion verified information as accurate and updated the account information. A copy of the consumer 's TransUnion report is incorporated for review to see all errors and discrepancies. Said errors and discrepancies are as follows :. XXXX. TransUnion is reporting this account as a open account under Account type. This is incorrect and false information. XXXX XXXX XXXX is a collection agency and not the original creditor or a creditor. XXXX XXXX XXXX can not extend credit to anyone and should not be reporting a open credit type with anyone and should not be reporting any type of account except collections. Also I have no agreements with this company period. Further more, no collection account should have a account type as open. This is a violation and by them reporting this account as open is incorrect and false. XXXX. This account is reporting a balance and past due amount. I have no agreements with XXXX XXXX XXXX in any way and since XXXX XXXX XXXX is not a creditor, there should be no payment history to report. Further more since, XXXX XXXX XXXX is not a creditor or original creditor, they can't report an account as past due or current. This is a violation. XXXX. Date account closed is missing. XXXX. Date account closed is missing. XXXX. Date of last activity is missing. XXXX. Date last verified is missing. Errors XXXX through XXXX also make report incomplete and unverifiable.
Product: Debt collection

I lived at XXXX XXXX XXXX Apartments from XX/XX/XXXX to XX/XX/XXXX. The last couple months I lived there under HUD assistance, they kept reporting that I didn't recertify. I came down the office XXXX times and submitted this recert paperwork to them. They sent me a letter stating that I owed rent for XXXX XXXX and XXXX which I paid with a money order, and they cashed in XX/XX/XXXX. After finally getting in contact with a rep from HUD about the issues of the recert, HUD started to investigate the issue. They sent me threatening letters stating that my voucher was cancelled since XXXX because I didn't recertify, and that they would be charging me rent from XXXX until the current month. I moved out of this apartment in XX/XX/XXXX because of this conflict. They tried to bring a lawsuit against me but, the case was dismissed with no judgement owed to them. They then posted on my credit that I owed them XXXX. I disputed this record through XXXX for a year and every time it came back the collection agency states that the account is validated. I then requested validation from them, they provided a lease form when I first moved into the apartment as the start of the delinquent balance, and final notice of a bill with charges as if my voucher was cancelled, but nothing that states as a statement or a bill as to where they got the amount of XXXX. I called XXXX this time to dispute it again. I sent them all the court documents, lease information, the FTC identity theft report as well as other related documents as XXXX stated. I spoke to a rep from XXXX to make sure the documents were received, and they confirmed that the amount alleged against me was fraudulent, and that they will put a request in to have it removed from my credit. XXXX and XXXX have taken this collection off my credit following my conversation with XXXX. I called XXXX again, to find out why they still had this collection posted on my credit file. The supervisor stated that XXXX removed it from my credit, but the collection agency placed the same alleged amount on my credit file again! This collection account is fraud, and the collection agency keeps posted it as a new account every time I dispute it as non-liable for this debt. I do not owe this company anything and they are continuing to fraudulently post inaccurate data on my report. This alleged amount is solely posted on my credit file. It is not posted on any rental history reporting agencies. The only reason they are reporting that I owe them anything is because I reported them to HUD because of their misuse of recertification paperwork to try to scheme money out of residents. 80 % of the residents that live at this property are old and can not speak English. I wish to have this file reported as fraud and removed from my credit file.
Product: Money transfer, virtual currency, or money service

Chase closed a claim with the CFPB without addressing 2 main concerns of the case. CFPB Case XXXX 1. XXXX shows that the case was in my favor. They keep saying that " the merchant '' provided them evidence against my favor but, as Chase said themselves that was in XX/XX/2020. The XXXX final decision was in XXXX. 

2. XXXX stated to me that they sent the money to Chase and that I need to work with Chase to recover my funds. In the the CFPB claim, Chase stated " We are not able to dispute this item any longer please work with the merchant to recover your funds ''. However! XXXX has stated " At this time, the cases both show as a debit status meaning the funds were collected by the credit card company. There is no further action XXXX is allowed to take at this time. '' Please pay careful attention to this. Both XXXX and Chase are giving me conflicting statements. 

To be clear, my previous case involved an international transaction where the seller sold me an item through XXXX gift which has no seller protection. Chase is using outdated information to deny me the case.They keep giving me the run around saying " there's nothing we can do, please contact XXXX '' when XXXX is telling me to contact Chase. Both of these companies are passing the buck and I need intervention.
Product: Credit reporting or other personal consumer reports

They sent me an original contract that is not mine. Does not have any signature from me, nor does it even have there name anywhere in the contract that they sent to me. But yet they are negatively reporting this info on my credit report. When i mentioned this to the company Stafford Group Assoc directly they stopped responding, And the credit bureau continue to say the information is verified even with this company name being nowhere in the so called Original contract.
Product: Credit card

Description : We made purchases recently on our Kohl 's Card, which is a joint account with both my wife and myself on the account. 

Kohl 's charges items to our account based on fulfillment, which means that we do not know exactly when charges will post. We rely on a statement from the card issuer to ensure that we pay on time and avoid fees and interest.

Kohl 's does not provide paperless statements as we have requested. ( We also do not receive them via US Mailwe prefer Email, and requested this years ago. When speaking with them by phone, they have confirmed that they have the correct email address ) We have verified our email address and checked spam and junk folders. Kohl 's is not sending statements to increase our exposure to fees and interest charges. This has been an ongoing issue for several years. 

Our current balance is {$590.00} which includes a late fee of {$29.00} and interest charges of {$13.00}. The fee and interest are only applied because Kohl 's does not send paperless email statements as we have requested. Had we received our statements, we would have paid the balance on time and avoided fees and interest. 

We took action to resolve this issue as follows : XX/XX/year> XXXXXXXX XXXX My wife called and spoke to XXXX ( she ) id number XXXX. She transferred my wife to collections XX/XX/year> XXXX. Spoke to XXXX ( she ) id number XXXX. She offered to remove the late fee " if we pay NOW, over the phone '' but refused to address the interest charges. 
She told us that it is impossible to remove the interest. This is a pressure tactic she used to try to force us to pay immediately. XXXX verified our email address and could not explain why our statements are not being sent/received. 

Kohl 's business practices purposefully increase fees and interest by not providing timely and routine information to customers. We believe this is fraudulent and that our Late Fees and Interest should be credited to our account immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened in my name.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Original 6 month deferred interest payments on CARECREDIT/SYNCHRONY BANK account XX/XX/ for XXXX work for {$11000.00}. I set up 'auto-pay ' plan for monthly payments of {$1000.00} starting XX/XX/. All statements were sent on line. This was connected with my SAMSCLUB/SYNCHRONY BANK statements on line. I made 6 'Auto-Payment ' of {$1000.00}. through my XXXXXXXX XXXX  Account. When my Sam 's Club Card was 'reported as scammed ' in XXXX, my on line statements were 'frozen ' ... I was unable to access information on ALL of the SYNCHRONY Bank accounts. This resulted in my being charged " Interest '' of {$1300.00} on XXXX when I didn't have access to my accounts on line... where all reporting was done. I didn't receive any notice of this at that time! Then, on XXXX  I was charged another {$140.00} interest, before I was able to pay the Balance In Full. When I called Customer Service, they said I should have know the 'Contract ' language and there was no recourse to waive interest charges. I feel this was unfair and left me no other choice but to contact Consumer Financial Protection Bureau for help! As a XXXX  ( XXXX yrs. old ), on limited income, this is a extremely hardship to have interest continued to be added on an account I wanted to pay off as I was expecting to do. Thank You for your assistance in this matter.