23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or about XXXX my capital one credit card was charged XXXX for lodging that took place somewhere in the USA. I was not in XXXX during this time period ; & provided capital one proof of my time out of the country. My proof included a copy of my passport stamp from that time period, which showed that I was in XXXX during this transaction. 
Capital one gave a temporary credit & subsequently reversed the credit on XXXX. Capital one still has not resolved this issue. I would like your help in resolving this issuethanksXXXX XXXX
Product: Credit card

I applied for a credit card through XXXX XXXX. The application was forwarded to First National Bank of Omaha. Who they called to verify some information. They asked me over the phone to share a copy of my ID and SSN card. I asked them if they would share a secured link to share my document. They said no. They provide an email to send the documents. Again, I told them that I'm not comfortable sharing my ssn card over email. A day later, they called me to send it. I called the bank to verify if it's the standard procedure. After a long call, they said it was. I contacted CFPB to double-check if it is the standard procedure, to which they said no. The requirement is only for the SSN, not the physical card.
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : 1. XXXX XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX 5. XXXX  XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$990.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} ; XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX {$390.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXXXXXX .... Balance : {$760.00} ; XXXX XXXX & XXXX XXXX XXXX XXXX {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

All the time I received call asking mi if Im mister XXXX XXXX idont know whi that person live in Florida at XXXX XXXXXXXX XXXX XXXXXXXX XXXX his phone number is XXXX XXXX XXXX please help mi please
Product: Vehicle loan or lease

My husband and I took out an Auto loan thru Wells Fargo on XX/XX/XXXX. 
The paper work was submitted for direct auto pay. 
Wells Fargo never linked our bank account to make the direct payments. We noticed that payments were not being paid on XX/XX/XXXX! We called them immediately but it was a Saturday. We called again on Monday XX/XX/XXXX. We were told that the loan had already been " charged off '' and Wells Fargo had reported late payments to all 3 credit bureaus. 
Wells Fargo never maid an attempt to notify us prior to a letter we received on XX/XX/XXXX requesting the loan 's full amount of XXXX and the car was hours away from being repossessed. 
With company wide systematic errors happening Wells Fargo bungled our auto loan resulting in sever credit damage and mental distress. 

My husband and I ended up paying the auto loan in FULL for XXXX on XX/XX/XXXX. 

We always intended to make payments, we have our mortgage loan with Wells Fargo and trusted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a alert on my Transunion Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.
Product: Checking or savings account

I received an email at XXXX XXXX on XX/XX/2023 confirming I had successfully joined their online banking service, when I had never banked with them ( BoA ). I got another email 5 minutes later saying my application had been denied. I tried calling the following morning but could not get through so I let it be since it had gotten denied. I received another email confirming my joining for online banking services again today ( XX/XX/2023 ). They have been unhelpful with dealing with this fraud and have sent me back and forth between departments.
Product: Debt collection

This is my 3rd complaint with National Credit Systems and XXXX XXXX about a rental dispute and debt that's not owe, I've asked for the copy of a re-signed lease with me and my wife 's signature on it and all they keep providing is the lease that XXXX prepared with no signature on it. They originally tried to charge me {$5000.00} and saying that was breaking the lease and fees etc... .it wasn't until I filed my complaint with the XXXX  that I was finally given a itemized spreadsheet that I've been asking for since we've moved, we never signed a new lease and we've given XXXX a early notice notice that we weren't resigning the lease, she didn't want us to move... We we're looking for more space so she told us that they were going to have XXXX XXXX which is a 3 bedroom unit, and our unit XXXX was a 2 bedroom and we had a growing family, XXXX XXXX us she can try to get us in XXXX and we stated if she could then we'll do a new lease for XXXX but until then we'll do month to month while we wait. XXXX couldn't get us the XXXX bedroom so we searched and found a new place and she was upset and didn't want us to leave. But we've never signed a new lease agreement, it was originally reported at {$4700.00} and then at {$5000.00} which I've proved on in previous disputes and nothing was done but once I filed the complaint with the CFPB National Credit Systems reduced it from {$5000.00} to {$3300.00} ... .I will send screenshots from the previous disputes, along with the copy of a unsigned lease that they've sent me, I've been trying to get this issue resolved for almost 2 years now and it's affected my ability to rent ... .Also this account was already removed from my other credit profile except XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act inquiries done by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  have all violated my rights.

I do not recognize these inquiries. Never been in contact with any of these companies there forth these are fraudulent and are inaccurately reported to my credit profile.

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

I am extremely dissatisfied with the incorrect handling of my trip delay reimbursement claim by XX/XX/XXXXXXXX and Underwriter for my Chase credit card benefits. I opened Claim XXXX on XX/XX/XXXX, and they inaccurately determined that I did not meet the benefit requirements when I clearly did. I submitted evidence to appeal this decision on XX/XX/XXXX and reached out to them through email, regular mail, phone, and their website contact form. It has been 4 weeks and I still have not heard a response.

Their decision was incorrect, and the language in the benefit terms is clear and unambiguous. Either this was a mistake, or it reflects a troubling pattern of intentional claim denials. Both scenarios are unacceptable and raise serious concerns about XXXXXXXX XXXX practices in administering benefits. I am requesting immediate intervention to resolve this matter.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 REPORTING LATE ) to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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. 


EQUIFAX 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 XXXX 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: Credit reporting or other personal consumer reports

I review my credit report and see the information you are reporting are inaccurate. I want to provide accuracy correct information on my credit report. If not please remove it from credit report. I have proof of inaccurate information. XXXX XXXX account is showing two different account on two different credit bureaus. XXXX XXXXXXXX is not reporting on XXXX but it show one 30day late payment, one 60day late payment, three 90days late payment please remove this account. Also XXXX XXXX XXXX is showing inaccurate on payment history and the amount balance. XXXX XXXX is not reporting on any other bureau but XXXX but show no late payment but 90day how do you skip 30 and 60 days.
Product: Debt collection

i was looking thru my credit report and noticed this account from cybrcollect which i had never applied for. This account does not belong to me and is the result of fraud and i have never given them permission to have access to my personal information. I have filed an identity theft affidavit to support my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report with XXXX   beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. 

Experian has continued to report this invalidated information with is a direct violation of the FCRA. 

XXXX has continued to report this invalidated information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX' my ssn : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

REMOVE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX Account NumberXXXX Date opened : XX/XX/XXXX Date ClosedXXXX XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized accounts and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the accounts have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Payday loan

The loan was for XXXX, I was charged XXXX monthly and they expected to collect payment for nearly a year! I could n't understand the woman on the phone when she explained the fees, I told her that but she kept pushing and finally just put it through. I did n't exactly agree, I just said I guess it was OK because I could n't hear what she was saying and she would n't give up, then she pushed me into direct withdraw from my bank even though I wanted to mail payments in.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Reappearance of Fraudulent Account on My Credit Report Dear Experian Executives, I am writing to address a concerning issue with my credit report. Despite prior efforts to rectify the situation, the fraudulent account related to my XXXX XXXX  Credit Card has reappeared on my credit report after being previously removed. 

It is crucial to emphasize that this account and its associated balance do not belong to me. I have already taken the necessary steps to have it removed, and I expect you to resolve this matter immediately. 

I trust that you will promptly address this issue and prevent any further complications. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : XXXX  XX/XX/2024 XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXX  Complaint You informed me that this account was removed from my credit file, yet it is still being reported. This is a continuous violation of the rules and regulations. Please remove it from my credit files immediately. 

From : XXXX XXXX XXXX Sent : XXXX XXXXXX/XX/2024 XXXX XXXX To : XXXX XXXX XXXX Subject :
Product: Debt collection

This is the third company that has tried to collect on this debt. Each time the amount of money they say I owe increases hundreds of dollars. I have contacted XXXX each time someone tries to collect this debt and they say they have no idea that I DO NOT OWE THEM MONEY NOR HAVE I EVER HAD ANY ACCOUNT WITH THEM. they say that they never placed my account for collection. I have sent two validation demand letters to this company demanding that they show me proof that I owe this money, since XXXX themselves have no idea about the debt. The have ignored each request. I have sent a cease and deceit letter and yet they still call me. They had thirty days to provide validation which they refuse to do. I gave them two chances they refused. I sent a letter demanding they stop calling and they said when they called that they do n't have to abide by that letter. They said I owe the money and that they will either sue me for it in Florida forcing me to drive there to defend myself since I live I Ohio or they will press criminal charges against me for fraud and just have me arrested. Everything about this is illegal it violates the Fair Debt Collections Practice Act and the Fair Credit Reporting Act. They are purposefully re aging this account by selling it back and forth so it stay on my credit report.
Product: Debt collection

Bank of America is sending emails demanding payment when I have written to them and provided proof I am not the correct person, I have signed registered mail they received my response to their attempts. Ive also filed a complaint with CFPB but they continue to attempt to collect from a third party who does not owe the alleged debt. I have an attorney wanting to take the case on contingency and I am providing his law firm with all the documents Ive already provided in my attempt to have Bank of America stand down on their attempts to collect from a consumer who has already provided the legal response necessary for them to cease and desist voluntarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified through XXXX website that I have been a victim of the data breach of XX/XX/2018. According to their files I have many open accounts that I have no knowledge of and do not belong to me. They are using these files as references for the security questions to gain access to my report. Because these accounts are not mine I have no knowledge of the details surrounding them and therefore can not access my own credit report to correct these errors. There are also errors regarding my name and addresses and former employment. I have made attempts through email to get help from XXXX   and I received no reply.
Product: Mortgage

Almost any other loan servicer is offering deferment for consumers during this pandemic. Loancare is only offering forbearance and they refuse to answer if you question if they will do a loan modification at the end of forbearance. If I can not afford my mortgage this month how am I going to have a couple months worth in full at the end? If they truly cared they would offer some assistance other than racking up a huge bill and foreclosing on houses when the pandemic ends. I am more than willing to let them collect my interest during deferment but they wont even consider this.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have reviewed my credit report and found that certain accounts are incomplete and inaccurate, constituting a violation of 15 USC 1681e ( b ).

Additionally, there have been breaches of 15 USC 1681s-2 ( a ) & ( b ), as well as 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ).

Under 15 USC 1681n, any failure to address and rectify these issues will result in civil liability for willful noncompliance. 

Accounts : XXXX. ) ( XXXX XXXXXXXX ) This account must be removed immediately due to violations of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 

Please ensure the removal of the aforementioned accounts from my credit report and provide me with an updated copy post deletion.