23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They call me several times a day, I say hello and they say nothing. They hang up on me. I searched the number finding out it was American Express. Tried to resolve this with them, yet Im still being called and hung up on by them.
Product: Credit reporting or other personal consumer reports

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXXXXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX XXXX
Product: Checking or savings account

I thought that I had enough money to get some items from a grocery store but when I checked my account the last amount that I saw in my account wasnt the amount that I saw when I reopened the app. Which lead to multiple overdraft fees
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPONE AUTO ACC # XXXX ] Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
CAPONE AUTO ACC # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit card hacked so I placed a freeze. Being newly married it made it difficult to manage two seperate accounts. I was trying to lift the freezes and things went fairly smoothly except with Transunion. I may have been on the wrong page, but I was just trying to sign up for an account with them and their web page is designed to sell stuff. It asked for a credit card, but in no way did I see that I was purchasing anything - a credit report or otherwise. All I wanted to do was see if there was a freeze and lift a freeze. They tried to charge the card twice, very deceptive. It also sounds like all the customer service is outsourced to a foreign country. They make their phone number hard to find.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well, although I must express my deep disappointment with the continued presence of fraudulent items on my account despite our previous efforts to address this matter. 

As we have previously discussed, I have been a victim of fraudulent activity on my account. Despite providing all necessary documentation and cooperating fully with your team, it is disheartening to see that these fraudulent items have not been adequately addressed in the second attempt to rectify the situation. 

The recurrence of fraudulent items not only poses a significant threat to my financial security but also reflects poorly on the effectiveness of your organization 's security measures and protocols. Moreover, the prolonged resolution process has caused undue stress and inconvenience, as I continue to worry about the potential impact on my financial well-being and personal information. 

I urge you to prioritize this matter and take immediate and decisive action to rectify the situation once and for all. I expect a thorough investigation into the root cause of these recurring fraudulent items, along with concrete steps to prevent any future occurrences. Additionally, I demand clear communication regarding the progress of the resolution process and timely updates on any developments. 

Furthermore, I am seeking compensation for the inconvenience, stress, and potential financial losses incurred as a result of this ordeal. It is imperative that your organization takes responsibility for the lapses in security and provides adequate restitution for the harm caused. 

Please consider this letter as a formal complaint and escalation of the matter. I trust that you will prioritize this issue and take the necessary steps to address it promptly and effectively. Failure to do so will compel me to explore alternative avenues for recourse, including legal action and reporting to relevant regulatory authorities. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit 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 Balance : {$7500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX 'S XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are MULTIPLE FRAUDULENT inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.
Product: Credit card

I opened up a credit card and lost it every time I try to access the account Im being told my information dont match so they wont allow me to access it. However I get a email about the account and their allowing late fees to continue to build up on the account but wont give me access to the account
Product: Money transfer, virtual currency, or money service

In light of recent events with issues of Zelle not confirming and with not being able to track lost funds and or give me a refund due to funds being sent to the wrong person.
Product: Consumer Loan

I owe a debt to a creditor and went through the litigation process and a judgement has been placed against me. I accepted the judgement for the amount of a little over {$10000.00}. This same creditor is still reporting to my credit report and the debt is growing. The debt amount is now {$14000.00} and growing. I 'm in the state of Georgia and this case went through the XXXX XXXX court system, civil action no : XXXX. Can someone please help me with this issue, I need to know if this is a legal act. I was once threaten with jail time harassing phone calls to my home and job. I feel helpless.
Product: Bank account or service

On XXXX/XXXX/12, someone withdrew {$5000.00} from my mother 's account at Citizen 's Bank at XXXX XXXX XXXX in XXXX XXXX, CT. The savings withdrawal slip was made out in the name of XXXX XXXX. That is not my mother 's name. It is XXXX XXXX. Supposedly, the bank did an investigation of this matter and said that everything was in order, but no one supplied the results of this investigation to my mother. My higher is XXXX years old. She has XXXX checking accounts, and had no need to withdraw money from her savings account. She has been in ill health over the past several years and is rarely out if the house. She did NOT make this withdrawal. 
I have attached a letter by XXXX XXXX, a friend, who wrote a letter to the bank and discussed the issue with the bank manager.
Product: Prepaid card

I was given a {$1000.00} AmEx gift card by a relative. The card was activated and funded correctly. However, the gift card is declined at virtually all online and in-person merchants I have tried. This includes XXXX, XXXX, XXXX ( in-store ), and various others. Upon researching this issue, I found that countless others have either given or received these gift cards, which are marketed by American Express as follows : " American Express Gift Cards and Business Gift Cards and American Express eGift Cards and Business eGift Cards may be used virtually anywhere in the U.S. that accept American Express Cards. '' This statement is patently false. These gift cards cards are completely worthless and are declined almost universally, which is tantamount to fraud, as American Express simply keeps the funds utilized to load the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( Experian, XXXX, XXXX  ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

Due to the pandemic i have been unable to make the minimum payments on my Capital One Credit card. I called and spoke to a rep who stated no problem they can help. I explained to them my wife has become XXXX and is no longer working. She recently filed for XXXX but has not been approved as of yet. My income right now is not enough to cover my mortgage, food, health insurance etc.this time. I even explained i have not received a stimulas check either. They stated due to the pandemic they are willing to work with customers by waiving interest and late fees during this time. This would be ok for the next three months then they would review and see where i am at and may extend offer if need be as long as i didn't file for bankruptcy. They stated pay what ever you can until you can catch up so i agreed. Several days later they billed my card another XXXX interest fees, XXXX past due fees and XXXX dollars membership fee. My card has a XXXX limit on it and its currently at {$9100.00}. How are they allowed to charge me fees for a card i am unable to use? I called and spoke to them about the agreement and they stated who ever told me that was incorrect they only waive a late fee of XXXX that's it. I stated what good will that do if i cant afford the minimum payment which at that time was XXXX now its currently at XXXX and climbing.If i do what they say and just pay what i can the following month i will owe it all again and then some. My payments have always been current up to this point and you would think under these circumstances they would waive all fees during this time and allow the customers to pay down what they owe without being ripped off.Capital One is clearly taking advantage of their customers. This activity should be illegal.
Product: Debt collection

I went into my debt relief program in XX/XX/2018 to resolve my Credit Card debt. My Home Depot Account ( Citi Bank ) was part of the program At some point Citi sold the account to XXXX XXXX XXXX. In late XXXX I got a notice that there was a new Collection on my Credit File. I researched the matter and found it to be XXXX XXXX XXXX. XXXX XXXX XXXX more specifically XXXX and XXXX had been working on this account to settle it and finally around XX/XX/XXXX had a verbal agreement to settle the debt as shown in the attachments. After several attempts I tried to contact XXXX myself and was told they would only talk with XXXX. I asked XXXX and they consented to allow me to co-contact them to simply get them to agree in writing what they had verbally agreed to, a commitment letter indicating and agreeing to the amount, whom to make the check out to and where to send the check. When I contacted them they gave me a couple fax numbers and I sent them info and I finally was able to contact XXXX XXXX who referred me to XXXX XXXX who told me she would only talk with XXXX. XXXX has been trying to get the commitment letter, has been told by XXXX their equipment was broken and they could not produce said letter and basically stonewalled us until the original agreement ran out. XXXX was able to renew the agreement the first of XXXX however they have still been unable to get a simple letter of commitment so I can send them a check which I have to settle the account. They are still stonewalling us. We are coming to the end of XXXX and it will be over 60 days that they are non-responsive
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX servicer, has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 1681s-2 ( a ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I contacted Fay Servicing concerning the Affidavit Signature in a QWR on XXXX XXXX which they received on XX/XX/2023. Requesting " Full double sided certified true and accurate copy of the original promissory note. They have yet to acknowledge that they received my QWR. 
The Signature Affidavit states that This signatures must exactly match the signatures on the Note and Mortgage/Deed of Trust/Security Instrument. Please find enclosed a copy of that Affidavit along with the signature in question. This requires that the promissory note in your possession be certified. 
These documents were signed on the same day in the presence of the same Notary ( XXXX XXXX ) on ( XXXX XXXX ). 
You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time, you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ).
Product: Credit reporting or other personal consumer reports

I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask all three credit bureaus XXXX to remove the following accounts/inquiries due to identity theft. 
Accounts 1. Nordstrom 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX  4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX Inquiries 1. XXXX XXXX 2. XXXX 3XXXX XXXXt 4. XXXXt 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the three credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.
Product: Credit reporting or other personal consumer reports

I was shocked to see wrong accounts listed on my credit report tonight, with no idea how they ended up there. I check my report regularly, yet this time I encountered discrepancies that caught me completely off guard. Even after refreshing my browser, hoping it was a temporary glitch, the inaccuracies stayed. Given this issue, Im requesting a close review of my documents to prevent this from happening again.