23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My wife took my XXXX daughter to XXXX to get her ears pierced. My wife paid with her ( wife 's ) discover card. The only information provided to XXXX was my daughter 's name, our address and my wife 's name on the permission form to get my daughter 's ears pierced. Two weeks after that we received a letter from Comenity Bank stating they turned my daughter down for a credit card. They state in the letter they are the bank for XXXX credit cards. Neither my wife nor my daughter filled out any credit card application. We are concerned about what personal information for my daughter they might have. We are also concerned that they ( either XXXX or Comenity ) are doing something fraudulent with credit card applications. The letter does state they were not able to determine any credit score for my daughter. I hope this is because all they had were a name and address and were not able to get anything like her SSN.
Product: Checking or savings account

I made a bill pay check payment from my Business checking account ( XXXX XXXX ) to my XXXX for {$700.00} ( the payment was a XXXX  refund for their security bond ). 
The check was cashed by the XXXX once on XX/XX/2023 and the exact same check was cashed again on XX/XX/2023. 
I can not contact the XXXX, but I have raised the issue with Bank of America on 3 phone calls ( attached is the letters from BoA ). Each time BoA admitted it was their error that validated the check twice and promised the money will be returned within 5 working days. After the last phone call I attended the local branch where I was told that I have to pursue the case civilly and the bank will not refund me.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of r egulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Product: Mortgage

I got divorced in XX/XX/XXXX, so I had a reduction on income and had a Loan Modification around XX/XX/XXXX, through Select Portfolio Servicing. My interest Rate was at a non-fixed rate, so they fixed it at 8.75 %. They also reduced my payment by {$400.00} while they were doing the Loan Mod. A couple months later when they fixed my interest rate, they said that's all they could do to help my payment went back up to the Regular amount it was before I called about a Loan Mod. They reported me to the Credit Bureau as late during those 3 trial months of the Loan Mod. I have noticed that only around {$35.00} a month was going toward my principal each month, so a couple months ago I called them to get a amortization Schedule to see when more would go on the principal. I purchased the house in XX/XX/XXXX for {$150000.00} now in XX/XX/XXXX .... 12 years later I still owe {$140000.00}. I knew something wasn't right. The person I spoke with at Select Portfolio told me they couldn't give me an amortization schedule because I was on a Balloon Payment and they I better hurry and start making extra payment because I will still owe around {$100000.00} at the end of my 30 year note! I told them I never would have agreed to something like that and the home mod was suppose to be helping me, how was that helping me?! I asked for them to send me paperwork stating all of this and they still haven't sent me anything, that's been a few months ago now .... I am confused and feel I need to sell my house to get out from under this terrible scam they are doing. I need help.
Product: Debt collection

this company keep calling me many times, even i told them, do not call me again, but they changed calling number keep calling me, it is really bother me a lot, even today, XXXX  day eve, please help me to stop it
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
Account must be deleted from the report as soon as possible : XXXX/XXXX ACCT # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX/XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a ninety day late payments on an account that I did not open and had no knowledge of. The consumer reporting agencies have need to report all Information with complete accuracy. This account was report fraudulent back in XX/XX/XXXX. I've attached a copy of my report to this complaint on XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this Information can not be verified I demand these payments be updated immediately. This Information is only reporting on my Experian Report. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported an authorized account on my consumer report. I have not given you any written permission to put anything on my credit profile. You have no permissible purpose by law to contact any third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore the following accounts must be deleted from my report. 15 USC 1681 section 602 A states that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE. 

XXXX XXXX XXXX {$430.00} Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil Liability for willful compliance [ 15 USC 1681n ]
Product: Checking or savings account

pnc bank has held my funds for over a week and have no contacted me like they said and as a result my account is negative and incurring fees because i had payments scheduled to come out. i have no been paid for my services rendered through my business bank account and now im being accessed fees when i clearly had the money but they held up my funds for almost two weeks at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$8800.00} XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Late Payment Reported by XXXX XXXXXXXX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate late payment reported by TXXXX XXXX XXXX on my credit report XXXX According to the report, a late payment has been incorrectly listed on my paid-off account with XXXX XXXX XXXX which I believe is erroneous. 
I have reviewed my account and payment history with XXXX XXXX XXXXXXXX and can confirm that I have never been late on this account. The account has been paid off in full, and there are no legitimate reasons or instances where my payment was delayed or missed. I am requesting that XXXX XXXX provide documentation or proof of any alleged late payment to substantiate their claim. 
Please provide me with the following documentation : XXXX. Proof of the late payment transaction, including the date and any supporting evidence that shows the payment was late. 
XXXX. A detailed payment history for the account, showing any delay in payment, if applicable. 
If XXXX XXXX is unable to provide such documentation or evidence to support this late payment, I request that you immediately take action to have this inaccurate late payment removed from my credit report, as it is a clear violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any disputed information must be corrected or deleted if it can not be verified as accurate, and I request that this alleged late payment be deleted from my credit file. 
Please note that I expect this matter to be resolved within the XXXX timeframe outlined by the FCRA. If the issue is not rectified within this period, I will consider taking further action to protect my rights under the law. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX
Product: Debt collection

PERSOLVE is claiming that I owe them {$17000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a Cashapp card in the mail with my name on it, a card number, expiration date and CVV code. I was shocked because I have neither downloaded the app, no or used it nor ordered this card. The card came wit no cover letter or any kind of explanation of why it was sent to me. It only instructed me to download the app and scan the QR code to activate the card. I did not do that. 

When I looked up the company online, I was shocked to discover that there is no customer support or fraud telephone number- only an email address. So I emailed the company advising them that I did not request the card nor do I use CashApp and that I immediately wanted them to cancel the card and report it as fraud. 

I received an immediate response that they were looking into the matter and would get back with me soon. I did not hear from them that day. So I called my bank to inquire if there had been any Cashapp transactions that they could see. Sure enough in XX/XX/XXXX, they informed me that over {$700.00} worth of transactions were attempted against my bank debit card but my bank-XXXX XXXX declined the charges. XXXX XXXX said that the charges originated out of California. And one if the charges was attempted by a person named XXXX XXXX. I do not know a person by this name and certainly have never and will never authorize anyone to open a card on my name. 

Today, someone from Cashapp named XXXX emailed me back and asked me to follow a link and provid the CashApp card information so that she could cancel the card. I told her that I needed a phone call and would not provide any card information via link not access a link. She refused to call or make appropriate accommodations to verify her identity. I offered my phone number and zip code so that she could look it up. However, she said that for security reasons, she could not confirm any account information. 

I did cancel my debit card to which the CashApp card is linked but do not want this CashApp card in my name to remain active. Could you please help me with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 : XXXX XXXX  XXXX  XXXX XX/XX/20 : XXXX DBA XXXX XXXX XX/XX/20 : XXXX XXXX/Nations lending XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) Credit plus/nations Lending ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and Nations lending pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Product: Debt collection

I do not owe any alleged debt, As a consumer I only I can Validate a debt and I do not. They have yet to provided me with the original copy of the contract in wet ink.
Product: Debt collection

XXXX XXXX in XXXX, GA have been repeatedly calling me, 4-5x daily every day and ( XX/XX/23 ) today they have contacted my employer. I have received plenty of notices about the medical debt I owe and need to review my financial situation before I can make any payment arrangements. They are not my only collector. I am aware of this debt and calling my employer is unacceptable and my employer forbids these kinds of communications. It is grounds for termination.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint concerning an account on my credit report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX I'm writing to dispute inaccurate information on this account as follows Please Remove this entire account** from my credit report as I have no affiliation with it.
Product: Debt collection

XXXX  ( XXXX XXXX XXXX ) has listed an item as in collection for a service they say I received on XX/XX/XXXX and XX/XX/XXXX and I know nothing about this. I contacted XXXX and they said they could not provide me any detail as to what this was for. They told me to contact XXXX. XXXX would not give me any contact information for XXXX. I called one number I found on the internet for XXXX and they said they had no record of me. I called a different number I found for them and they said I needed to get the detail from XXXX. I told them XXXX couldn't/would n't provide me with any detail and to call XXXX XXXX at XXXX XXXX XXXX . I called XXXX XXXX and they say they don't have any invoices for me. I have disputed this with the 3 credit agencies, XXXX XXXX, XXXX  and XXXX. This reporting on my credit report by XXXX has negatively affected my credit score and my ability to get credit extended to me. I believe this may be a scam as XXXX - nor anyone they refer me to can provide me any detailed information regarding this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8300.00}.
Product: Mortgage

IN XX/XX/XXXX I notified Nationstar of an error in applying payments and they acknowledge the error - They further accknowledge the need to correct and reset my mortgage - I have been assisted by an excellent member ( XXXX XXXX ) - however XXXX XXXX has been promoted and the correction is pending 5 months later and as of today - still unresolved. 

XXXX XXXX have confirmed in writing - ( 1 ) I have been wrongly been reported as in foreclosure, ( 2 ) I have wrongly been accessed legal fees, ( 3 ) I have wrongly lost my fixed price interest rate and defaulted to a adjustable rate, ( 4 ) I have wrongly been accessed Admin fees in excess of {$500.00} per month for more than a year ... .. ( 5 ) my credit report has been impacted by these errors for more than 8 months - Nationstar/XXXX XXXX has tried repeatedly, but after 5 billing cycles has been unable to resolve, reset and fix these HUGE errors - that Nationstar admits are completely their admin errors. 

XXXX XXXX is a wonderful man and has been a blessing - however he is not being supported by Nationstars processes to correct these error
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is acurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding proceedin ( File No. XXXX ) against them for similar violations. 
I request that the XXXX take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of the investigation. 

These are the account I have marked inaccurate. 

XXXX XXXX XXXX ( closed ) XXXX XXXX XXXX ( closed ) XXXX XXXX XXXX XXXX ( closed ) XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Balance : {$4100.00}
Product: Bank account or service

I deposited on XXXX XXXX, 2015 a XXXX check which was actually for services for the bank. I deposited the check in my Wells Fargo account on the same day. Because of the XXXX XXXX provisions, my bank had collected funds the next day. However, because of the way the law is written, Wells Fargo tells me that they can block my access to those collected funds for up to twelve days, which is what they have done. 

It defies believe that a bank, which exists at the pleasure of the government can bar my use of those funds or if allowing those funds can charge me an overdraft fee for funds that have already been collected for my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 55536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.