23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus about removing this XXXX XXXX XXXX XXXX account multiple times I have called wrote letters to there dispute center and everything this account is reporting inaccurate information on my credit report and it is greatly affecting my credit report equifax, XXXX, & XXXX are supposed to me on my side and resolve this issue but they are giving me such a hard time.
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX XXXX XXXX XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I signed up for XXXX XXXX ( Agreement ) with XXXX, such agreement was never reported on my credit report until this year. XXXX was acquired by XXXX. However, this agreement now reflects a " loan ''. No where on my agreement with XXXX agreement states that this agreement was a " loan '' nor was there a " Truth in Lending '' statement. Such action is a violation of the Fair Credit Reporting Act and Truth in Lending Act. 

Regards, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was shopping with my fianc at Kays Jewelers. The Manager was assisting us and she was very pushy about a credit card. I told her multiple times that I did not want a credit card. After we selected a ring to purchase, she said that they would do 0 % financing through the store credit card. I again said no. Then she said Well lets just see what youre pre-approved for but you dont have to actually apply. I agreed. After being pre-approved she started showing me merchandise well outside of my budget. It made me uncomfortable so I left without making a purchase. 

Then on XX/XX/XXXX I received the Kays card that I never knew I applied for. Im currently going through the refinancing process on my home. I NEVER agreed to apply for this card and I am highly upset that I was outright lied to.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Dear Sir/Madam, My issue is regarding the non receipt of promised Cash Rewards by Bank of America ( BOA ). BOA has created a Customized Cash Rewards program wherein customers can earn 3 % cash back on Travel purchases, 2 % grocery store purchases and 1 % or all other purchases. As of XX/XX/2024 a charge of {$2200.00} was charged to my BOA credit card for XXXX XXXX through XXXX XXXX XXXX XXXX. As per BOAs Rewards Program I should have received 3 % or {$66.00}. Instead they provided only a 1 % Reward for this charge in the amount of {$22.00}. As such, I am due an additional Rewards Credit from BOA in the amount of {$44.00} which they are refusing to award me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as such, I am requesting that you block and delete the following accounts, as well as any related inquiries, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These statutes provide me the right to request the removal of fraudulent information resulting from data breaches. 
The following accounts and inquiries need to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX FUNDING - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. XXXX OF XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already made several attempts to repair inaccurate information that is negatively worsening my credit but have received no response to my request that it be REMOVED THE FOLLOWING ACCOUNTS ARE IN COLLECTION BUT APPEAR OPEN AND XXXX, EXPERIAN AND XXXX ARE SUPPOSED TO REPORT INFORMATION CORRECTLY XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX In addition to the accounts I have already mentioned, I have many more errors in other accounts, which you will find in the letters that are attached to this complaint. 
I want my report to be carefully reviewed so that the accounts that are being reported incorrectly are eliminated
Product: Checking or savings account

On Tuesday, XXXX XX/XX/2021 I received a debit card associated to a checking account with Wells Fargo. This account was opened without my consent or knowledge. After contacting Wells Fargo the account was closed. However, the account showed no activity and was not funded. A credit report pulled on XXXX XX/XX/2021 did not show a credit inquiry associated to a new account, as I feel is often standard to conduct a credit inquiry when opening an account. After discussing this activity with a third party I was reminded of Wells Fargo 's fraudulent activity similar to this in the past and decided to ensure notification to CFPB in the event similar activities are occuring again.
Product: Credit card

I applied for and was granted the Barclay Luxury Gold Card in XX/XX/2016. At that time, they offered to waive the annual fee of {$990.00} and provide 0 % interest under XXXX benefits for XXXX military members. They have since rescinded that offer, and are now charging the annual fee of {$990.00} - stating that their policies were not in line with XXXX policy. They also said that Luxury Card - the third party brand - was losing out on money that it forced Barclay to start charging the annual fee again to keep the connection with Luxury Card. Either way, this is extremely unfair to numerous XXXX military members who got the card knowing the annual fee would be waived. For example, one may have put {$5000.00} down for a car at 0 % interest, and now has to pay off that balance and close the card, or be stuck with another {$990.00} annual fee. As a military member who received this card and the waived annual fee benefit, I feel that I should be grandfathered into what they originally offered -- i.e. no annual fee, no administrative fees, and 0 % interest.
Product: Debt collection

On XX/XX/XXXX I checked my credit with all 3 credit bureaus, and I saw there was a collection account from XXXX XXXX opened on XX/XX/XXXX. I immediately disputed the collection account along with an address that the credit bureau told me was linked to the collection account of XXXX XXXX. To wait for the investigation to provide results. Meanwhile I called XXXX directly and also disputed the fraudulent account and they instructed me to file a police report and submit proof of address at the time of the incident and to upload to the fraud department. XXXX also provided me with the Debt collection agency that took over the account name : Sequinn Asset Solution ph : XXXX in which I have called several times and no answers the phone. I did all of that on Monday morning, and by Monday evening and Tuesday morning, I received XXXX emails from XXXX stating they had completed their investigation and found that I am not responsible for those charges and account and to send this letter to the credit reporting agencies. When I reached out to the credit reporting agencies they stated they do not use email letters as proof. Later in the evening I did receive an email from XXXX and XXXX stating they removed the address but that the Collection account is mine. And did not want to accept the letter I received from XXXX emailed. I called XXXX to request the letter faxed and or mailed to my home they stated they do not mail any letters, only email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the charges on my credit report
Product: Credit reporting or other personal consumer reports

This is my follow up in regards of the ongoing issue and I am submitting my complain and I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove the items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please help me remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX 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 treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Also as stated I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I recently applied for auto insurance through XXXX. I paid my policy premium amount. Due to vandalism, I took out a claim to have my windshield and rear driver glass repaired. My coverage on the policy I ourchased has a {$0.00} deductible. Yet I received a letter stating that even though I've already paid my 6 month premium, according to XXXX do to XXXX credit I do not qualify for the lowest comprehensive deductible, even though I have already paid for myn6 month premium coverage. 

In addition I have signed opt out documents to opt out of any reporting and they refuse to honor the signed request. They absolutely received the form notice and refuse to. XXXX XXXX has caused many problems in my life due to misuse of a report, or using non verified public information that is fast out wrong. They also known this and refuse to adjust or clear my credit file. 

In addition like XXXX, Equifax refuses to publish accurate or updated information. Again I state that despite numerous attempts to clear, correct adjust, or remove all of the inaccurate public information attached to my consumer reports has made my life less than and my quality of life suffers because of wrong, and erroneously reported information. Question, How do I not generate a score yet have such a delinquent and derogatory credit file, I have NEVER been approved for any credit type never, a credit card or a loan. 
I have less than XXXX in total debt and I'm XXXX XXXX XXXX and I have to many outstanding collections. Mybreports show only three vendors that I owe and one of them is also wrong information.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Debt collection

Navy Federal CU is fraudulently reporting on my credit reports in the amount of {$14000.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Product: Checking or savings account

SoFi bank has locked my account and refuses to unlock the account and continues to be unresponsive or helpful in the matter. I need my money now! Ive spoken with XXXX and fixed the matter which involves the wire transfer deposit from my XXXX account to my SoFi checking bank account Ive spoken to a representative and got it fixed. I need my account unlocked immediately by SoFi. Ive submitted a claim before and SoFi became hostile with me with the representative I spoke with over the phone. XXXX is the account number for the checking and XXXX is the savings account number with SoFi. Ive handled the matter with XXXX about the wire deposit into the SoFi checking account which is the reason why they placed the freeze but the representatives refuse to assist with the matter. They say they are going to transfer me to a right department to only hang up on me 6 times. Im frustrated with the service and discrimination Ive faced from SoFi and want this situation resolved by releasing my money. This has been going on for 3 months now.
Product: Credit card

I am putting a complaint against barclays card cause in XX/XX/XXXX i lost my credit card and there were fraudulent charges made to the account. They sent a letter denying my claim saying because they were confirmations made by text of charges that were done to the account. After reviewing my text confirmation from barclays they sent a text on XX/XX/XXXX at XXXX for a charge from XXXX for {$170.00} for that was processed twice at XXXX i confirmed this charge as i knew the merchant. on XX/XX/XXXX they sent a confirmation text for a XXXX charge for XXXX in which i was in the middle of a hospital visit because i had an XXXX. I accidentally pressed 1 for confirming instead of the 2 because my XXXX and i XXXX. i received another text when i left the hospital for another charge in which i responded with the XXXX and called in and explained to the representative the situation. They are trying to say these charges were valid and i did not do any of these charges. They are trying to hold me responsible for charges that were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MT CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I sent a Revocation of Authority to Initiate Electronic Funds Transactions to eLoanWarehouse and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, eLoanWarehouse debited {$230.00} from my bank account. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Product: Credit card

Amex offers a {$50.00} corporate advantage credit. My card was eligible and I was told I would receive the credit. No credit has been issued.
Product: Student loan

I was steered into forbearance instead of being given clear alternative repayment options. After two years of forbearance, I now have an income driven plan but with much more accumulated debt.
Product: Mortgage

Every XXXX my mortgage payments increase or decrease based on a number of variables. This year it went up considerably, so in order to bring the payment down I switched from XXXX XXXX   XXXX to XXXX, and saved a substantial amount. The effective date of coverage for the new insurance coverage was XX/XX/2019. The new mortgage payment ( with the XXXX pricing ) started in XXXX. I was advised to put the refund check from XXXX in the bank, which I did, and then call Bank of America and give them authorization to withdrawal that money, which I did and they did withdrawal the ENTIRE amount for XXXX XXXX coverage. Now when I paid my mortgage for XXXX they had not updated the information ( not my fault ) and so they charged me a XXXX advance shortage fee. the problem is I over paid them {$40.00} My new amount is XXXX I paid them XXXX. They cant seem to understand this and still say i owe XXXX for XXXX but I dont because my insurance rate and coverage was effective XX/XX/2019 and they received the refund in full. i want this corrected before I get too many payments where they say i shorted them and I want my credit. the ladty i talked to said she would issue a complaint and to date I have heard nothing back.
Product: Mortgage

Please have the Freedom mortgage explain and confirm via financial docs why my agreed payment has gone up from XXXX per legal document to {$2600.00} with no legal documentation. They agreed provide an escrow analyst by XX/XX/28. They have not honored this agreement. They need to explain why they are asking for an additional {$310.00} with no financial trail. I did contact them today XXXX and the confirmed they are still working on the statement. The have until EOB today to provide clear and transparent information. Alternatively, I will also report their activity as mortgage fraud.