23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

capital one claims to have platinum offers which they will not reimburse in a timely manner for consumers
Product: Credit reporting or other personal consumer reports

CFPB- 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Product: Vehicle loan or lease

I financed a 2017 XXXX XXXX XXXX XXXX Wells Fargo auto, & have yet to receive compensation for my XXXX coverage when my loan was paid off early. Additionally, I was charged additional fees and interest improperly.
Product: Credit card

I am receiving letter from LVNV funding for a credit card debt that I have no knowledge of any never had that credit card in my possession. The credit card was mailed to an address I have no knowledge of. I always lived and have always received mail at XXXX XXXX XXXX XXXX XXXX, FL XXXX. I am writing this to acknowledge that I have no information on the credit card used under my name. Please review, I am an Elderly retired woman with no access to apply for any credit card when I do not have enough money for myself. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name was attached to a Fraud alert and or high risk. I know this because chase denied me a bank account because of it. Then I tried to apply for credit card with XXXX  XXXX and they relayed the message that o had fraud alert associated with my name. Its effecting every aspect of buisness and life.i need the fraud alert removed by the credit bureaus.
Product: Credit reporting or other personal consumer reports

I've been to my credit union several times and they can not seem to pull my credit report from Equifax. I have called Equifax no less than XXXX times in the past month and have grown quite frustrated with them because they tell me that they do not show a security freeze on my account, yet my credit union states that there is. They've even contacted their corporate office and they stated the same thing, that Equifax has a freeze and fraudulent report on there, and they are unable to review my credit report for loans, banking and etc. I've asked Equifax to resolve this issue for over 30 days an still no resolve issue. 
If this matter can't be resovled in the next XXXX business days then I will fill a Lawsuit against Equifax for continuously showing false reports on my credit.
Product: Credit card

I had a Best Buy credit card when it came time to renew the card it came with a renewal fee of {$190.00} I ignored it assuming that it would just be cancelled. The next month another bill came with interest and a late fee. I called Best Buy and cancelled the card and reversed the initial charge but not the interest and late fee. I was told to contact Citibank about that. I was unable to get a representative and instead could only access automated responses. I sent a letter and eventually, someone from Citibank called me. I explained the situation and a report was made. Nothing was done about it. As of today they claim I owe {$120.00} for interest and late fees for absolutely nothing. If I had known that this would be such a problem I would have kept detailed records of everything but who ever heard of owing interest for something that wasn't purchased? The credit card was cut up and thrown away a long time ago so I don't know the full account number but it ends with the numbers XXXX.
Product: Payday loan

I was naive about the information I submitted online believing as long as there was a lock locked where the website name was typed in that it was a safe and secure site. I was searching for a loan that I would be able to payoff in longterm small installments. I needed a loan to be able to have enough money to get into a new rental home. I being unaware that these companies shared sensitive information with other companies was contacted through an email that I had been approved for a loan of {$300.00}. I gave the site my name, social security number, my bank account number and routing number, even my online signature. I was then contacted by an employee who asked me to please go back as he walked me through the steps of repeating all of my private personal information as well as my signature again. I was under the impression that all that I would need to pay back would be {$390.00} total with interest but that I would be given adequate time to do so either in small monthly payments or after an adequate amount of time until I could pay it back in full. I was shown a payment plan that unless I paid the entire {$390.00} back within two weeks that I would become locked into a payment plan that would start with {$100.00} being the first payment due within the two week period of recieving the loan. Soon after another payment would be due costing me even more than the first payment and so on until I would end up paying around {$1600.00} or more total for a {$300.00} loan. I spoke to a man who is from Student Loan XXXX helping me with a loan in default from 1997 I still owe a very small amount on. I consulted with him about this loan I seem to be trapped in and he recommened that I contact my bank as well as you because he checked out the company and said it has had many similar complaints and that people like me fall victim to this all of the time not understanding exactly what they are getting themselves into and that I also need to protect myself from identity theft because these companies share your personal information to other companies. I was unaware that anyone but me could ever access and take from my bank account. When I spoke to an employee at my bank they recommended that I contact you first and that if anybody were to try to attempt to collect money from my account without my permission that I should then change bank accounts which would be extremely inconvenient but necessary if nothing else can be done.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding my account with XXXX XXXX ( XXXX XXXX ). I have noticed that I have not received the Form 1099-C, Cancellation of Debt, which I believe I should have received following the write-off of my account.

According to the IRS guidelines, a cancellation of debt of {$600.00} or more must be reported on Form 1099-C. Since my account was charged off, I expected to receive this form as required. However, I have not received it, which raises concerns regarding my tax reporting obligations.

Failure to receive this form creates considerable uncertainty for me regarding how to accurately report my finances for the current tax year. I would appreciate your prompt attention to this matter and request that you provide me with the 1099-C form at your earliest convenience.
Product: Credit card or prepaid card

I have a pnc pay card that I can't get my XXXX direct deposit until XXXX and I have many bills and I can't take care of myself in a timely fashion
Product: Debt collection

a collection of {$750.00} from MRS BPO LLC was added to my credit report, the original creditor is Spectrum. I have never had a contract with XXXX. but MRS BPO LLC is telling XXXX that the info is correct after I filed a dispute.
Product: Credit reporting or other personal consumer reports

Re : Request for Blocking and Deletion of Fraudulent Account and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I contacted Jefferson Capital Systems concerning a collection on my credit report about a bill from XXXX, I was told the debt was in default in XXXX of XXXX, I asked for verification of the debt in writing and the operator stated that it was already sent out. I stated I had not received it and that I needed verification and a proof of date, he stated that he already told me when the debt started and refused to give me anything in writing. I filed a dispute with XXXX that afternoon and the next morning was told the debt was verified and it began in XXXX of XXXX. I contacted XXXX  and explained I had not done business with XXXX since XXXX of XXXX and that I wanted to know what verification they turned in because it would be fraudulent, I was told there was no formal verification just Jefferson stating that I owed the debt. I question how that was verification when anyone could state I owed a debt, I also explained Jefferson 's refusal to verify the debt to me. I was then advised to file a complaint CFPB and was told they would reopen the investigation and inquire about the validity of the information provided to them. Jefferson still  has not verified the debt to me or in my opinion formally to XXXX  only verbally stating that the dates were accurate, despite giving two different dates of XX/XX/XXXX to myself and XXXX of XXXX to XXXX  there by adding two more years to the debt.
Product: Money transfer, virtual currency, or money service

Cash app was an app I used frequently and then fraud started to occur in the amount upwards of XXXX dollars. All of this was taken from me and they failed to tell me where the money was used all they said was XXXX XXXX was the transfer. No help or elevation was provided for my case and I file numerous disputes for them all to be declined.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXXXXXX XXXX Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXXXXXX XXXX account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that Experian conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within 15 days of receiving this dispute. 
Summary of Discrepancies The XXXXXXXX XXXX account displays significant inconsistencies in late payment reporting across the bureaus : Experian and XXXX report late payments in XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX, XXXXXXXX XXXX XXXX XXXX 
XXXX shows only three late payments in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately.

Request for Documentation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of 30 days and that the results be provided to me in writing. 
Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA.

Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay. 
Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt or credit management

I was paying company to repair my credit debt, but my score ended up being lower than my original credit score.
Product: Checking or savings account

I transfered funds from Marcus Goldman Sachs to another online bank. The next day my account was frozen. They said I would have to sign an affidavit that the account was mine instead of verifying my ID with the security questions that you answer when you first open an account. Now I have to wait to be sent this affidavit and to get it back to them and all the while my account is frozen along with the other accounts I have there.
Product: Mortgage

My servicer Select Portfolio Servicing is refusing to allow me to view the original note on my property in a timely manner. They offered me a trial modification that began XX/XX/XXXX and I am to make a payment on XX/XX/XXXX ( which I did ) and XXXX on XX/XX/XXXX and XX/XX/XXXX at which time I am to be given a permanent mod to sign. I have requested to be given the opportunity to visually inspect my original note to SPS loss mitigation division and to the SPS Ombudsman Division that I was told handled those request. Request was Made XX/XX/XXXX on the phone and by email. On the phone I was first told by XXXX in the Ombudsman division that they didn't have my original note and they'd have to make a " custodian '' request to have it found and brought to their office. I was told they should have it in a week. I called a week later and spoke to another employee, XXXX, in the Ombudsman division and I was then told it would take possibly more then 2 months for them to get the original note in their possession. I was verbally told by XXXX that they do not need to provide me the original note showing their investor owns the note in order to have me sign a modification or to proceed with foreclosure. I requested in writing that the trial modification be placed on a temporary hold until SPS can locate my original note and give me access to view it and confirm who owns my note. I do not believe a homeowner should be forced to make payments for a trial mod and sign a permanent mod to a servicer that refuses to provide access to the original note showing ownership of the note. I do not feel an undisclosed time of 2 months or more is considered " timely '' access. The servicer should have access to my original note and should be giving me access to visually inspect it.
Product: Debt collection

I was a resident of XXXX XXXX XXXX  account number XXXX. I was charged {$120.00} for not leaving my apartment clean at the end of my lease. I cleaned the apartment before I left and also had XXXX roommates living with me. I paid my rent to XXXX in full for the whole year without incident. I feel they are wrong for charging me a cleaning fee when they have to clean the apartment for the next tenant and making me cover the expense. I'm still a college student with limited money to spend. 
Thank You in advance, XXXX XXXX
Product: Checking or savings account

Capital One advertises that they will deposit your direct deposit paycheck up to 2 days early, that would have been Wednesday night XX/XX/year>. Check was not deposited. No deposit Thursday, and now today Friday still no deposit has been made. I can not pay my bills. All of my auto pays are getting kicked back. The accounts are frozen. I am being charged late fees because Capital One is holding up my money. They have no answer, just that they are working to have it resolved. It is now a holiday weekend, with no clear sight of when customers will be paid THEIR money.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, & TransUnion Request to Update Address and Remove Inaccurate Accounts I am writing to formally request an update to my personal information and the removal of any inaccurate accounts associated with a previous address. Please update my current address in your records to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Additionally, I have noticed all accounts on my credit report that appear to be linked to an outdated or incorrect address. These accounts do not belong to me and should be removed from my credit report as they are inaccurate. 

Per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct these errors by updating my address and removing any accounts that are not associated with me. I have attached copies of my identification and proof of my current address for verification purposes.

Please complete this investigation and provide a written response within the legally required 30-day timeframe. If you need any additional information, feel free to contact me at the details provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Ability Recovery Service I need a debt Validation Letter under 15 USC 1692 C my account number is XXXX Thank you
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. Specifically the accounts that has been deleted but gets added back every time I order a new credit report. 

I must stress that the continued deletion and re-reporting of this account is not only inaccurate but also in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically section 609. The FCRA mandates that credit reporting agencies maintain accurate information in consumers ' credit reports.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX  ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I entered into a forbearance in or around XXXX XXXX XXXX as i needed to resubmit my recertify for my ibr. After XXXX attempts to get my application to them i was to be told in XXXX XXXX they never received it. Until this time i was not notified they never received an ibr or a me. I had talked to someone in XXXX entetring into a forbearance, until my ibr was approved. So in XXXX the Fed loan placed a 120-150 day late updste on my credit report ruining my credit. Even if i was late, which i wss not, it still would not have been 120-150 days late as the forbearance was for 3 months. I also never received any letters or phone calls to notify me that i was supposedly late until XXXX XXXX which i returned the phone call back to them. At that time i informed the man that i filied for a recaluation of my payment XXXX diffetent times. Plus a forbearance of 3 months in order to prevent it going delinquent. This place is ridiculous on not receiving paperwork or claiming to not have a record.of my phone call. I beleive i talked to them on XXXX, XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose.