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

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. This is your final warning. listed on my fraud report & listed below. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CLUE is improperly reporting a car accident with me being " At Fault '' when the car accident was clearly settled that the other party was the ones. The insurances, highway patrols and attorneys have all documented this. CLUE reporting this is causing me to pay extremely high car insurance prices and making things financially very difficult. They did not properly investigate and I am now going to be seeking legal counsel if this is not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with Experian in regard to this account XXXX XXXX XXXX thru the CFPB and Experian which both bureaus stated the information was verified and accurate. After checking my credit report prior and post dispute the information is still obviously inaccurate! On my Experian report the account displays an 30 days past due as of XX/XX/XXXX, XXXX XXXX 60 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Collection as of XX/XX/XXXX, XXXX XXXX this is inaccurate because the timelines of past due, collection, and charge off should be chronologically reported on my credit report which it is not. This violation of Section 605 ( c ) ( 1 ) to include the Experian website stating : Paid, unpaid or settled collection accounts remain on your credit report for seven years from the date of the first delinquency that led to the charge-off.This account has two 30 past due dates which it should only be just one.It has three Charge off start dates which violates Section 605 ( c ) ( 1 ) again. Another blatant inaccuracy violation is reporting a false current/term met date in XX/XX/XXXX. This inaccurately extends the debt automatic removal date to an additional two years to XX/XX/XXXX. An account can't be charged off, reported as a collection and then charged off again and Current/Term/Payment made and directly back to charge off.These are clear inaccuracies that Experian allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of the report from the Experian credit report website XX/XX/XXXX. I've attached the response showing that Experian told me the account remains with all the inaccuracies. Please delete this account effective immediately.
Product: Credit card or prepaid card

I have contacted Capital One several times about getting a reduced interest rate on my accounts. I advised them that due to the Pandemic my income has been reduced and I would like to get a reduced interest rate. I can make the minimum payment but noting more then that at this time and my rates are over twenty percent on my cards. The only think they offered me was a skip payment on the account but refused to back off the interest charges. I advised them if I skip payments like this that would put my account into negative amortization. I advised them of this and they acted like they do not care and all I wanted was just a reduced rate during this time. I am just shocked with everything going on in the world that they do not have better help programs. I have been a loyal customer with them for years and they could care less.
Product: Credit reporting or other personal consumer reports

I received an alert from Experian credit reporting company that an unauthorized and unsecured loan was taken out in my name at XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX on XX/XX/2024 for {$150.00}. It is a XXXX  month installment loan and the only partial account number they provided was XXXX... 
I have no reason to deal with this company and never authorized any type of loan with them. No one I know is authorized to utilize my name or personal information to secure a loan.
Product: Credit card

On XXXX XXXX, XXXX, Discover Card made an unauthorized payment to our credit account from our personal checking. We disputed that payment on XXXX XXXX, XXXX. Discover reviewed the issue and determined that we were owed a refund of that payment of {$230.00} ( per our conversation on XX/XX/XXXX ) .They said XXXX to XXXX business days for the refund to be placed back in our checking account. We confirmed the routing and account number on that call. No refund arrived. Called again XX/XX/XXXX, and were told the refund would be in our account by XX/XX/XXXX. No refund arrived. Called again XX/XX/XXXX, and was given a new nonsensical reason for why we haven't received the refund. They took money out of our account, and refuse to put it back unless we jump through hoops.
Product: Vehicle loan or lease

I have a Car note from WELLS FARGO DEALER SERVICES. I have been with this company since XX/XX/XXXX. In XX/XX/XXXX & XX/XX/XXXX, I ran into a hardship where I was late on my carnote payments. I am now up to date on my payments and now that it is XX/XX/XXXX, I have not made any other late payments. I would like to get these negative remarks removed from my credit removed and forgiven as I have been a loyal customer as well as making early and double payments. 

Thank you in advance
Product: Credit card

Dear Better Business Bureau, I am writing to file a complaint regarding the bank called Current and their handling of a fraudulent credit account opened in my name. Despite having a credit freeze on all my accounts, someone was able to open a credit account through Current without my consent or authorization.

When I contacted Current to notify them of the fraud and requested the account be closed, I was met with several issues : 1.Excessive Requests for Personal Information : Current demanded that I provide additional personal information to investigate the matter, which I am hesitant to share given my caution about protecting my data, especially after this breach.

2.Inability to Locate the Fraudulent Account : I provided the credit card number that I received in the mail, but Current claimed they could not locate the account with that information.

3.Lack of Resolution : I was informed that if I could not provide the additional personal information they requested, there was nothing they could do to resolve the situation. 

I find this unacceptable. It is deeply concerning that Current allowed an account to be opened in my name despite a credit freeze and is now unable or unwilling to address the issue. Their failure to act only compounds the stress of dealing with identity theft. 

I am requesting that Current be held accountable for their failure to safeguard consumer information and their poor handling of fraud resolution. I also urge them to take immediate steps to investigate and close the fraudulent account without requiring additional personal data from me. 

Thank you for your assistance in resolving this matter.
Product: Checking or savings account

Company randomly closed my account, without notice, warning, or reason.
Product: Mortgage

I have a mortgage through the mortgage company Mr.Cooper. I get charged every month for taxes that's included in my mortgage amount and I just received a letter from my local tax office for delinquent taxes for the property. I was under the assumption that the taxes are included in my monthly mortgage amount that I pay to Mr. Cooper. I spoke with the tax office and the taxes is delinquent with interest in the amount of XXXX. The later half of last year Mr. Cooper increased my mortgage payments so why they didn't pay the taxes. I'm getting charged escrow every month so I don't see no reason as to why I'm still responsible for the taxes.
Product: Debt collection

I have spoke with them and advise them that they need to contact me by mail but they don't listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor SPECIALIZED LOAN SERVI XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Mortgage

I had an existing mortgage with Capital One that I was in the process of refinancing in XXXX of 2017. I knew my closing with the new lender would be around X/XX/17 which was before the tax payments were due at the county ( XX/XX/XXXX ), this would mean that the new lender would require me to bring the tax money to closing. I therefore called Capital One to ask them not to disburse the payment to the county. They claimed they could not do that and in fact around X/XX/17 claimed they had already sent the payment ( they did not disclose that they had only disbursed funds to XXXX who aggregates tax payments for them and sends it to the county at a much later date ). When my refinance closed I called the county to verify that the taxes had been paid by Capital One, but they had not since XXXX had the funds at the time. As a result I had to pay the taxes at closing. I then called Capital One to ask them not to send the payment to the county, but they claimed that the payment had already been issued and that I would have to wait and get it back from the county. When the county confirmed that double payment happened ( X/X/17 was when they received the money from Capital One ) I called the county to ask them they refund the funds directly to me. They said they could not do this without Capital One 's authorization. I called Capital One to ask them that they provide a document so that I could request the county to send the money to me, but Capital One claimed they could not do this. The county issued a refund check on X/XX/17. I am writing on X/XX/17 and I still have not received the money from Capital One. As a matter of fact Capital One has still not received it from XXXX. Every time I call they give me a data in a week 's time ( X/XX/17, X/XX/17, X/XX/17, etc ) but never acknowledge the fact that my money is sitting in a bank account earning interest for XXXX instead of being disbursed to me. I am requesting that Capital One immediately mail to me a check for the amount of XXXX which through their incompetence and lack of cooperation have been holding hostage from me. They had the capability to avoid the trauma for me but simply did not care to provide efficient, prompt customer service by claiming there was no way to : 1. stop payment on X/XX/17 when I provided proof that the taxes were paid. 2. Request a direct reimbursement from the county to me when I asked this process be done. 3.  Provide a prompt check to me once the funds were sent back from the county.
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX & XXXX ) 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Our XXXX mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The XXXX mtg was sold several times. The XXXX account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents
Product: Checking or savings account

Discover bank has denied to review My Civil Complaint with supporting documents. Discover bank has refused to supply me with the contact info for their legal department to serve them a Civil Complaint being filed with the clerk of courts. Various attempts requesting this information and also sending the Civil Complaint to their Utah headquarters has been ignored. My civil action is for the bank allowing {$5900.00} to be stolen from my account without noticing the very unusual activity for my account. Bank has denied the claim and ignore my Civil Suit with supporting documents. Discover Bank seems to think they are above the law. I have the tracking info and signature that my complaint was received in Utah office. I will use this to present to the Judge to help support Discover ignores civil actions as if they are nothing.
Product: Payday loan, title loan, personal loan, or advance loan

I hired a solar company XXXX XXXX XXXX to put up solar panels XX/XX/XXXX. this company went out of business and did not complete the installation. one month before the loan company ( Goodleap XXXX Ca XXXX was to begin the billing I contacted them and told them that the panels were not installed yet. they told me to contact the solar company and have them issue me refund for the months i had paid. I didn't asked XXXX  ( solar company ) for a refund because i saw that the solar company was working on the installation. but in XX/XX/XXXX Goodleap ( loan company ) contacted me to advise that XXXX  ( solar company ) had closed their doors. I contacted Goodleap 's customer service to find out if they had paid XXXX XXXX XXXX  for the installation and I was told that the loan had not funded ( they did not pay ). Goodleap said they were working on getting a new solar company to finish my installation. I contacted the new solar company to find out when they were going to come out but they never returned the few phone calls I made. I then contacted Goodleap and told them to tell me when the installer was going to come out because they were not returning my calls. I also asked Goodleap to stop the payments until the new installer completes the work because i am also paying the electric company. But I didn't receive any options or solutions. If I stop paying the loan they will add the interest to the end of my loan. as of now I have not heard from Goodleap or the solar company as to when they are going to finish my installation.
Product: Credit card or prepaid card

On XX/XX/22 I visited XXXX XXXX in XXXX, NC. The cashier promoted a rewards program for the store which we decided to sign up for. I should have become suspicious when the rewards program sign-up procedure included my social security number. It was not a rewards program, it was a rewards credit card that was opened in my name. This was very misleading advertising of the credit card. In addition, the cashier immediately put the charge for our purchase on that card without asking me. I had inserted my other card with which I intended to pay a bit earlier in the transaction and thought it was going there. He never said anything about authorizing payment to the new card. At that point, I didn't even know I had a new card. 

The credit card is a " XXXX XXXX '' credit card managed through Comenity. I have messaged them about cancelling the card and am awaiting a response. 

I realize my one complaint isn't much but I'm hoping if this is a widespread problem that more people will complain and something can be done. Please let me know if you have any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX ( XXXX Creditor : XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting

After recently pulling my own credit report, I found that XXXX is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app due to lack of customer service and unfair practices which violate the CFPA. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account unprotected. Furthermore their dispute resolution process is unfair and deceptive as they do not comply with error requirements under the EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/year>, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within four business days.

Equifax has refused to promptly remove these fraudulent accounts. I have yet to receive any investigation results. This lack of response and failure to take appropriate action is a clear violation of FCRA 611 ( 15 U.S.C. 1681i ). While other credit bureaus have promptly removed these fraudulent accounts upon request ( see attached documentation for proof ), Equifax continues to report this inaccurate information. 

I spoke with a representative from Equifax who informed me that these accounts would be blocked and removed. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. Fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Product: Debt collection

HI, I have submitted Cheque of XXXX $ on XXXX to XXXX XXXX XXXX.Cheque was cleared on XX/XX/18 .do n't have details when Apartments guy deposited in Bank.Amount of {$78.00} was shown as collection which was false collection, I disputed it with XXXX XXXX XXXX and Equifax with prooof of Cleared cheque.Except Equifax XXXX and XXXX has removed the collection from Credit report.I have presented the same argument and evidence to Equifax XXXX they refuse to remove the collection saying that Deletion letter should come from Collection agency -XXXX .I have applied for Mortgagee loan and my Closing is on XXXX.Incorrect collection showing in Equifax report is impactiing my Interest rate and PMI insurance to go up.Request you to look into this case asap, so that Financial loss incurred due to incorrect collection can be taken care of.Meanwhile I am working with XXXX and XXXX XXXX XXXX for collection removal but their response is very slow.Request you to look into this. 
Thanks, XXXX XXXX XXXX XXXX XXXX