23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

the company NCA contacted me about XXXX XXXX XXXX for {$240.00} and XXXX XXXX {$240.00} and said that I was ignorant and they were going to sue me for failure to comply.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$580.00} disputed over 10 times XX/XX/XXXX {$250.00} disputed over 10 times
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXXConsumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiry is listed on my XXXX, XXXX  and Trans Union credit report and is fraudulent and not mine : XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX. The accounts and credit inquiry is fraudulent, unauthorized and dont belong to me.
Product: Credit reporting or other personal consumer reports

There are a few accounts on my credit profile that are inaccurate.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY XXXX REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to XXXX  and Transunion a charge off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor on this account was XXXX XXXX and the account was sold to XXXX XXXX. This account is being reported in error and this inaccurate reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.
Product: Debt collection

My latest credit report shows accounts I believe are incorrect. Please block and delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WENT TO CAR DEALERSHIP TO BUY A CAR ASK CAN MY CREDIT BE RAN ONCE BY DEALER THEY IGNORE IT RAN IT OVER 3 TIMES HURTING MY PROFILE WHEN I DID NOT CONSENT TO SUCH
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts that I have no connection to. This situation is unacceptable, as it compromises the accuracy of my credit profile and unfairly affects my financial standing.
Product: Mortgage

I closed on my home in XX/XX/XXXX. My tax bill for XXXX was {$2300.00} and was paid at closing in my closing costs as an escrow account was set up. My XXXX tax bill went up to {$3300.00}. I only have summer taxes, no winter taxes as shown on the tax bill that was provided to UWM prior to closing. They have increased my mortgage payment from {$1100.00} to {$1700.00} and are stating that my tax amount is {$5700.00} and that the increase is due to the tax increase plus the shortgage. That is completely incorrect. I have spoken to 3 separate representatives and no one will fix it. I can not afford a {$600.00} increase in my payment because of their XXXX up. My escrow account should only be short by about {$1000.00}, and the increase in my total payment should only have been {$84.00}. I am a former employee of United Wholesale Mortgage and apparently this is a known issue that they refuse to address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Debt collection

XXXX XXXX XXXX, XXXX has furnished an inaccurate, unverified account on my consumer report. I have provided accurate ( factual ) verified proof that clearly states this debit is not XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they responded with a stack of bills claiming it validates this debt to be mine and it does not and in doing so they refuse to remove this debt from my consumer report and it has cause my credit score to drop drastically and I have not been able to get above for loans, lines of credit or set up business credit for my business as well as mental anguish and anxiety due to this inaccurate, unverified account on my consumer report.
Product: Vehicle loan or lease

The below complaint against XXXX  was addressed to a XXXX XXXX from California in reply, nothing at all to do with myself or my account... I do not know the reason XXXX  rep sent this reply to CFPB in reply to my complaint, it appears to be another error on end of XXXX  .... 

Payment in the amount of {$50.00} made via bill pay through XXXX, account issued by XXXX XXXX on XX/XX/XXXX has not posted as of XX/XX/XXXX. Payment made to XXXX  account. I've used this same account, XXXX, in the past to make payments, all of which have posted with no issue, there appears to be an error on end of XXXX.
Product: Student loan

In XXXX a request for validation was sent to nelnet. I have no contact with this lender and they have been unable to validate an agreement. Secondly, a bill was sent to my consumer residence in which a response was sent via certified mail in within a 15 day period. Without proof of obligation, an attempt to discharge debt with negotiable instrument has been was denied for the month of XXXX A second payment was sent for XXXX. A response is awaiting but the attached letter was received thereafter. The denial for an acceptable payment is a violation of 31 CFR 328.5.
Product: Credit reporting or other personal consumer reports

do not have a capital one credit card so I don't know who would be the one who did
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX has violated my rights. XXXX5 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.

I am writing to dispute certain items on my credit report that I believe have been reported unlawfully and may be in violation of federal law, specifically 18 USC 894.

Upon reviewing my credit report, I have identified the collection. These items appear to be associated with attempts to collect or punish me for non-repayment of credit in a manner that may be considered extortionate.

Under 18 USC 894, it is unlawful for any entity to knowingly participate in the use of extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof. I believe that the reporting of these items on my credit report may constitute a violation of this law.
Product: Checking or savings account

Hi. my name is XXXX XXXX XXXX. I spoke with a well Fargo employee she didn't seem like she want to help me. i believe it was Wednesday XXXX. 
the Well Fargo bank account is XXXX Im scary for my safety since i dont know who may be involve in the Hijacking or take over of my Well Fargo Bank account. this has been very stressing and traumatic. 
the only name that should be on the Well Fargo Bank account is XXXX XXXX XXXX. 
Here are some of the miss spelling of my last name and also the wrong last name has it has you're under the credit reports and have also show up in my XXXX XXXX XXXXXXXX account. 
XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Checking or savings account

Bank of America closed my account without notice and reason. Then they mailed my remaining balance to the old address on file. I called them and they did a STOP PAYMENT on the check but they won't issue a new check until 91 days after. Is it legal for bank to hold my money for 3 months for no reason? I do think so. I need a money back now
Product: Credit reporting or other personal consumer reports

A careful review of my credit record revealed unverified late payment entries that remain unaddressed despite multiple communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these undocumented late payments raises significant concerns about their accuracy and potential impact on my credit standing.
Product: Credit card or prepaid card

I purchased an item from a merchant which was not delivered as described. I asked the merchant to return the item and they provided me with instructions. I followed those instructions, but the merchant stopped communicating with me. After several attempts, I disputed the charge. 

Capital One took my complaint, but even with written evidence of this in an email chain, they would not resolve the complaint and asked me to take unreasonable measures such as spending a lengthy amount of time on the phone ( over XXXX minutes ) and seeking a second company to provide an opinion on the matter. 

The agent from Capital One who wasted my time and was unable to process this matter was XXXX ( XXXX ).
Product: Credit card or prepaid card

Hello, i was in XXXX ( XXXX, XXXX XXXX ), I was charged an unclear ammount, and requested to get the receipt with the card provider once i was home. ( Billing transaction would be the XXXX of XXXX, XXXX ). 
Dispute credit date is XX/XX/XXXX for the ammount of XXXX. 

The only way i could do this since the hotel didnt list a number for Citi to contact with was via dispute. 
I was told that we could use the information provided to clear this matter up, and i requested a credit for the ammount of XXXX night. ( this was because i received a room with mold, and made a switch on my stay within the hotel. ). The charge seemed 1 nights room to high.

Instead of Citi reaching back out to me with the phone number and billing details, they justt closed the case and reversed the credit. 
Seperately, i disussed 3 other issues with similar outcomes because its very evident that the cardholder is the product, the vendor is the client. 
We have one with XXXX XXXX grading from XX/XX/XXXX for {$550.00}, ( {$1100.00} total charge ). This resulted in no help, and i later on my own accord/expense got the grading service of the other reputable competitor to show it was infact the highest quality. 
Seperately, i purchased something from XXXX for {$62.00} on XX/XX/XXXX and half the order was wrong. Citi would help even with the dispute service, and XXXX ended up locking my account, and Citi reversed the credit they gave me... once again leaving me to defend myself. 
XXXX ended up leaving me with the wrong package, and sending me the correct item. 
No longer on the ledger from Citi was an XXXX XXXX purchase. They sent me a destroyed white leather couch that the repair man said was caused by air bubbles in the hide. Then the furniture chain tried to replace it with another seconds leather couch. After months and months, and after Citi sided with the vendor, XXXX finally picked up the couch when i decided to rent my new home purchase. The closing date was XX/XX/XXXX, and i rented it by the XXXX of XXXX, XXXX, so that would be the time frame. and the couch was somewhere between XXXX and XXXX XXXX 
Citi is blatantly treating the US citizen as a product, not a card provider for the citizen, but a customer provider to the US and XXXX XXXX. 
This is wrong, please investigate it. 
When i brought this up with Citi on the day i opened the XXXX hotel dispute, i told them the best way to help was to provide a few dedicated representatives to help on the dispute. It seems they have no interest on this. I have emailed them about the intercontinental hotel since opening the dispute but haven't heard back. 
email involved is From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX ' XXXX Subject : XXXX Thank You, XXXX Last contact is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau XXXX XXXX XXXX remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau XXXX XXXX has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXX XX/XX/year> According to the Fair Credit Reporting Act ( XXXX  ), specifically : XXXX U.S.C. XXXX ( XXXX ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 
XXXX XXXX. XXXX ( XXXX ) : XXXX permissible purposes for accessing my credit report, indicating that only authorized parties can access my information. 
XXXX XXXX. XXXX : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. 
Additionally, I am invoking XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ) and XXXX XXXX. XXXX ( a ) ( XXXX ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( 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. 

Furthermore, under XXXX XXXX. XXXX, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau XXXX ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. 
I also believe that the actions of [ Credit Bureau XXXX ] XXXX constitute a violation of the Truth in Lending Act ( XXXX  ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 

Thank you for your prompt attention to this ongoing issue.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquiries appeared on my credit report that were not authorized by me. I did not consent for my information to be used for a credit check and have no knowledge of them. I request these hard inquiries be removed and reported back to the credit Bureaus to be removed from my name immediately. 

XXXX XXXX XXXXXXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX ( Bank )
Product: Debt collection

I WAS VICTIM OF IDENTITY THEFT AND AS A RESULT OF THAT SEVERAL ACCOUNT WERE REPORTED IN MY CREDIT REPORT THAT ARE NOT MINE CALVARY SPV ILLCC # ( CASE XXXX ) ACCOUNT NUMBER # XXXX, XXXX XXXX XXXX THESE ACCOUNT ARE FRAUDELENT AND NOT MINE I HAD REPORTED THESE ACCOUNT TO XXXX IN 2019 OF THE ILLEGALITY OF THESE ACOOUNT AND NOW THEY HAVE SOLD THE ACCOUNT TOA COLLECTION AGENCY CALVARY SPV I LLC AND ATTORNEYS XXXX XXXX XXXX XXXX TAKING ACTION OF SUING ME FOR A FRAUDELENT ACCOUNT WICH IS NOT MINE
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and 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.

15 U.S.C. 1681 Section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others or whom he is acquainted or who may have knowledge concerning any such items of information. However such information shall not incluide factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a account under an open end consumer credit plan as late for any reason