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

XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. XXXX credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Thank you,
Product: Credit card or prepaid card

My Bilt card by Wells Fargo was compromised today with numerous fraud charges. My close friends card was compromised the previous day and now numerous reports on XXXX and XXXX are showing a mass fraud issue. Was there a data breach?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

Student loan repayments started back up in XXXX. I received no notification that the debit amount would change from {$100.00} to {$410.00} a month. Moreover, the statements that Ive received for the last XXXX months do not support the amount being debited. The statements indicate {$200.00} as current amount due and no late payments are noted. The statement also notes an auto debit of {$410.00} which does not align to anything amount on statement. 
Ive called about this and they can not offer an explanation for the discrepancy. I spoke with XXXX on XX/XX/20 requesting my complaint be escalated to their complaint office.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX
Product: Mortgage

NOTE : This problem is actually related to a conventional mortgage application/transaction ( not to a credit report ) - but the system would not let me go forward because I did not have either loan or account numbers ( I terminated the process before that point ). So I have checked other boxes in order to submit this complaint as follows. ) I contacted Quicken Loans in XX/XX/XXXX to inquire about a conventional mortgage and determine current lending rates. " XXXX '' took some basic information from me and gave me preliminary interest rate information. Within a day or two and after two phone calls, I informed him by phone and email I did not want to proceed. From that point forward over a period of two weeks, he continued to phone and email despite my repeated and clear statements to STOP and finally explanation should he continue to harass me intent to complain to the regulators. He did not stop. I further asked him to remove my information from Quicken 's files and cease all further emails. He stated in an email that had been done ( it was not ). then on XX/XX/XXXX in the mail, I received an entire " Intent To Proceed '' loan package from Quicken. 
This constitutes harassment and predatory lending practices. It must be stopped.
Product: Checking or savings account

I called XXXX XXXX to add some the XXXX package to my account XXXX was going to switch me XXXX XXXX I told her no I was interested in switching Ive been with XXXX for XXXX yrs almost but about week are so I got some stuff from XXXX I called back to speck with XXXX but she was busy some guy said he take care of it well guess what youre all still charging me as if I XXXX XXXX I dont I have XXXX XXXXXXXX XXXX a month XXXX to XXXX XXXX that I dont have I didnt sign up for XXXX I called 3 times about this I want it canceled and I want my money back asap XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Original. Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the. follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 U.S.C. 1681 Equifax is governed by 15 U.S.C 1681 and they have violated my rights numerous times. I demand that the accounts listed below be removed. Because according to 15 U.S.C 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX No name account number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention that Equifax is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) from appearing on my consumer credit report as a result of identity theft and fraud within 4 business days. While other credit bureaus have promptly removed these fraudulent accounts without issue ( See Attached Proof ) Equifax continues to report this inaccurate and damaging information. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX they reported incorrectly on my credit report 30 day late payments which is incorrect. 
i tryed to get this corrected 2 times already and all they did was comment that acct is current. but did not remove the 30 day late payment on my reports which are in red and affecting my credit score.please update and remove the 30 day late payments. 

XXXX XXXX  30 days late -- incorrect XXXX XXXX 30 days late -- - incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX Balance : {$34000.00}
Product: Debt collection

I was notified by a debt collection agency that a settlement offer was presented to them regarding an account with Syncrony Bank. I have never had an account with Syncrony Bank or any of its affiliates.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by NCB Management Services , Inc., breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by NCB Management Services , Inc. , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand NCB Management Services , Inc., furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that NCB Management Services , Inc. , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit card or prepaid card

XXXX XXXX charged my AMEX card {$150.00} for the XXXX XXXX XX/XX/XXXX season. Instead of notifying me of the charge they sent my wife an email stating our XXXX XXXX will be auto renewed. According to XXXX XXXX, my wife is the " head of household '' and she only receives emails. My wife called XXXX on XX/XX/XXXX, the same date the charge was posted on my credit card and requested the charge be removed because we did not elected to be in the auto-renew program. I called XXXX on XX/XX/XXXX after seeing the charge on my AMEX and was told it was to late to make any changes with regards to my pass. I have copies of both cell phone calls to XXXX  credit card department ( see attached ). I asked the call center agent to file a complaint and explained that I was never notified as the AMEX cardholder of the charge prior to it being posted and regardless of their policy should have informed me under the consumer protection laws. They instead notified my wife and although she called to cancel the pass on XX/XX/XXXX, XXXX XXXX erroneously charged my AMEX account for {$150.00} on XX/XX/XXXX. 

XXXX XXXX are using deceitful methods to automatically enroll its consumers in a renewal program without clearly defining the consumers options. It is also important to point out that their website portal does not allow a consumer to delete or remove their credit card information. I have verbally, through email and their privacy portal requested my personal and credit card information be deleted without any avail.
Product: Debt collection

On XX/XX/XXXX, I underwent an XXXX XXXX performed by XXXX XXXX XXXX of XXXX, New Jersey. At the time, I was an employee of the XXXX XXXX XXXX XXXX XXXX XXXX  and had excellent employee-sponsored health insurance coverage through XXXX. I never received a bill from XXXX XXXX ( beyond what I might have paid as a deductible or co-payment on the day of the procedure I dont recall ), and I assumed they had billed XXXX and was paid by them. ( All these years later, I no longer have in my possession records from XXXX. ) Moreover, that was a non-emergency medical procedure that I never would have undergone had XXXX XXXX indicated that it would not accept my health care coverage I have maintained for decades a pristine credit history. I have a long history of paying all my bills and paying them on time. Nonetheless, earlier this year, almost six years after the XXXX XXXX, I received a dunning notice from Summit Collection Services LLC of XXXX XXXX XXXX, New Jersey, demanding that I pay {$3200.00} for that XXXX XXXX XXXX. In support of its demand, Summit Collection Services sent me a Provider Remittance Advice from XXXX showing that the insurance company declined to pay any of the {$3200.00}. What is significant, and what Summit Collection Services conveniently failed to point out, is that while the XXXX  occurred in XX/XX/XXXX, XXXX XXXX did not bill XXXX XXXX until the end of XX/XX/XXXX, almost four and a half years later. ( see first attachment ) In other words, XXXX XXXX was grossly negligent in the way in which it handled the matter. 

I am a retired senior citizen for whom {$3200.00} is a lot of money. After I objected to paying that amount, Summit Collection Services went ahead and reported this alleged debt to the credit agencies, causing a major derogatory activity notice to appear on my credit file ( see the second attachment ), harming my credit rating greatly, and likely causing me economic harm when I go to buy a car or otherwise look for credit. I believe Summit Collection Services did this in order to pressure me into paying this alleged debt. 

I believe the actions of Summit Collection Services have been unfair and deceitful in violation of the Fair Debt Collection Practices Act and, as well, are in violation of the No Surprises Act, which protects people from receiving surprise medical bills.
Product: Prepaid card

I received a Visa Vanilla Gift card as a XXXX gift in its original, sealed cardboard sleeve. I opened the sleeve just a few days ago and tried to use it on an XXXX purchase and was told it was not a viable means of payment. I investigated and found the card was purchased at a XXXX ( location unknown ) on XX/XX/year> and used in XXXX on XX/XX/year> at a XXXX in XXXX. I live in XXXX as does the person who gifted it to me.
Product: Debt collection

Capital One account was paid in full and closed out. Before I submitted the final payment I told the creditor I was homeless and trying to get a VA loan and asked if they could clear my late payments which were holding me back. The representative told me once they received the final payment she would make sure I was cleared and that my account would be closed out so I wouldve have any more issues in the future with my credit. Upon mutual agreement I submitted my final payment and until this day Ive been waiting for an update. I was promised they would submit a request to the CRAs to remove all delinquencies from my credit file. All it says is paid but still has my past due which is holding me back from trying to get a house for myself and not sleeping on other peoples couches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 7 months from my written request I still have not received any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XXXX Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.
Product: Credit reporting or other personal consumer reports

I sent a letter to the XXXX and TransUnion Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.
Product: Debt collection

XX/XX/scrub>XXXX {$5500.00} Midland Credit Management Inc threatening to sue me XXXX  {$1000.00} Midland Credit Management Inc threatening to sue me
Product: Credit reporting or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 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 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We need the payoff. 
We have been calling since XX/XX/XXXX to obtain a payoff to payoff the 2nd loan # XXXX We received the payoff from them for the 1st and paid that off already. 

Payoff request emailed XX/XX/XXXX Payoff request emailed XX/XX/XXXX Talked to XXXX  they said we should have payoff by XX/XX/XXXX called XXXX  on XXXX spooke to XXXX she said i would have the payoff in 5-7 business days. 

called and spoke to XXXX after 30 minutes got disconnected. 

called back spoke to XXXX asked for manager in escalation about payoff after 35 minutes got disconnected.