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

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXXXXXX  SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX I am writing this letter to request an investigation of the following information that appears in my XXXX XXXX XXXX consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 


Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX NEW YORK ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX NEW YORK ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



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

I noticed that XXXX XXXX popped up on my experian account. I called XXXX XXXX bank and they were extremely unhelpful, I tried to dispute the account with experian but experian sided with the bank over me without even bothering to investigate. I am trying to find out if my identity has been stolen! And no one cares! It is frustrating! Please help me to remove this account from XXXX XXXX bank and delete it from my credit report. Its not fair that it shows up one day, no one contacts me about it and it affects my score, scary really
Product: Vehicle loan or lease

I made my payment for my car to CARMAX AUTO FINANCE on XXXX the XXXX. They gave a confirmation number and said the payment had been applied for {$630.00}. When checking my bank account the next day, I had seen XXXX charges for XXXX. When I called back to address the issue, they said the funds would be returned within XXXX hours. XXXX hours later now the XXXX I called back again. I was told it might be taking even longer. I called back the XXXX, not receiving anything, and was told that none of the previous information was correct, and that they can not issue a refund to cards. I was angry and hung up. I called back again on the XXXX, and was told that they were working the case and that a check would be overnighted to me. I received no check on the XXXX, and was told that the check had not been mailed until today and expected delivery would not be until the XXXX, when the new due date takes effect. 

This has caused me to be late on other payments, rent payments, and other obligations and serious financial distress.
Product: Credit reporting or other personal consumer reports

REMOVE HARD INQUIRY RE : ONEMAIN According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. These shall be excluded on consumer reports. 

You ( COMPANY ) will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. 

***Should you not close immediately, I will pursue civil litigation and sue for defamation, denial of credit opportunities, and denial of career opportunities.
Product: Debt collection

II suggest that you stop with the false allegations of.

A debt that is owed to you by me. That's not so that's a lie whatever you purchased. You bought it, it belongs to you.You can not buy something that I did not give you permission in writing to buy.That is allegedly owned by me, Again?

Where is the chain of assignment contracts?

You haven't provided any because there are not any to provide.
Product: Debt collection

XXXX XXXX has placed an illegitimate debt with Convergent ( a debt collector ). 

On XX/XX/2017 at XXXX XXXX, I called and some to a representative named " XXXX '' with the service code " XXXX ''. After stating that my account was cleared, there was a XXXX balance and I would incur no charges XXXX refused to transfer me to a supervisor after several requests so that I could confirm the XXXX  balance. 

Since then, they have placed a debt for collection, presumably reported to credit bureaus, all in direct contradiction of their own representative and to the detriment of my credit history and continual harassment by a debt collector attempting to collect a charge that XXXX XXXX own representative says would not be charged and refused to confirm with a supervisor
Product: Student loan

In XX/XX/2021, I received an Emergency Grant ( Covid19Grant ) from the government in the amount of {$240.00}. I directed that that grant be paid directly to Paramount Capital ( the student loan group through which I had my loan. ) The grant was paid out directly to Paramount Capital. They confirmed receipt of those funds. They applied those funds to my loan, but then proceeded to report to the Credit Reporting Agencies that I paid late in XX/XX/2021 and XX/XX/2021 ( even though the amount of the grant exceeded the amounts due for those months in total. ) Additionally, I made a payment in XXXX for the amount due that month, and I made a XXXX payment in XXXX to cover my amount due for XXXX. Paramount Capital did not apply the XXXX payment from XXXX to the amount due for XXXX. 

I have contacted Paramount Capital on numerous occasions ( at least five times ) to try to resolve the issue of them erroneously reporting me to the Credit Bureaus for late payment. They have refused to remove these late payment reports. This is adversely affecting my ability to obtain a VA Mortgage Loan, which I am entitled to for serving my country. 

I am reaching out to you for your assistance as they have been completely impossible to work with.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the credit reporting agencies TransUnion, XXXX, and XXXX for their failure to properly reinvestigate disputes that I submitted regarding inaccuracies on my credit report. Including inaccurate variations of my name and address they I never submitted. I have asked on several occasions to correct my legal name and correct address. There is an address that associates with fraudulent accounts that I never lived at. 
The credit reporting agencies have failed to conduct a thorough and complete reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). The disputed items continue to remain on my credit report without any meaningful or corrective action taken, causing ongoing harm to my credit profile. 
I have made several attempts to resolve these issues directly with the credit reporting agencies, but they have either ignored or inadequately addressed my disputes. Their lack of proper investigation and response has resulted in incorrect information continuing to be reported, causing significant financial stress and impacting my ability to obtain credit. 
I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure that TransUnion, XXXX, and XXXX conduct a proper reinvestigation of my disputes, in compliance with the FCRA, and correct any inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint concerning a violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality. Despite explicit requests for reinvestigation directed at XXXX, Equifax and XXXX and XXXX regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for individuals. Thank you for your immediate attention to this pressing issue.
Product: Credit card or prepaid card

XX/XX/2022 RE : Capital one bank reference no. XXXX RE : XXXX XXXX On XX/XX/2022, I bought a one way flight ticket from XXXX XXXX agency for {$1600.00}. I initially booked XXXX XXXX to XXXX XXXX, and to return with XXXX XXXX. Unfortunately, however, after my 24 hour free cancellation has expired, XXXX sent me an email stating that my initial flight was fully booked, consequently, they have changed my flight to travel with XXXX XXXX going to XXXX XXXX and return with XXXX XXXX instead ( Email attached ). 
As if that was not enough, XXXX XXXX XXXX went ahead and fraudulently charged me another {$1600.00} for this same change they made; bringing my total cost to {$3300.00}. I have giving my Proof to capital one bank and they have refused to refund my credit. I am appealing to CFPB for your assistance in recovering my money, and hold XXXX accountable for there fraudulent action. I am thanking you in advance for your cooperation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should not be on my credit report as per 15 USC 1681 sec 602. accuracy and fairness of reporting 15 USC 1681 sec 605. no accounts placed for collection or charged to profit and loss which antedate the report by more than seven years 15 USC 1681 sec 607 No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$830.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XX/XX/XXXX XXXX
Product: Debt collection

Submitted a dispute online on XX/XX/year>. Called National Credit Systems to see if dispute was received. Representative states in system shows that dispute is still in process. Gave me an email to submit supporting documents. Emailed sent.showing debt was paid in full XX/XX/year>, prior to receiving letter from debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # # #, has violated my rights. 

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 an account without my written instructions.
Product: Debt collection

My son used my social security number to obtain residency in his apartment. I never stayed there and he broke his lease. I already spoke with the company and they verified that I was never there, but he did use my social. The company asked that I file this issue with the FTC and obtain a police report, and then they would remove it.
Product: Debt collection

I have repeatedly since XX/XX/XXXX tried to get this account to show the payment made on our account on XX/XX/year>. You have reached out to XXXX XXXX card showing the account was in fact paid in full. I spoke with XXXX today with badge number XXXX. He is a supervisor with XXXX XXXX He in fact said on a recorded call that it was paid in full ; he shows a XXXX balance and that he would after I sent in writing proof, I paid it escalate it to show paid. 

I do not believe as a consumer I should have to keep reporting proof to them it is in fact paid in full. This account is hurting us being able to get a home. It has taken almost 4 months and 2 complaints to you to get them to update on XXXX and XXXX, XXXX has not been updated and after speaking with them said the last communications with PCB was May 0f XXXX
Product: Debt collection

XXXX XXXX keeps calling non stop I have ask them to please stop as I have just XXXX my sister and my husband had to take a pay cut of XXXX weekly ask to please stop and I would pay I am having XXXX XXXX now and I am under XXXX XXXX I need just a bit of time XXXX XXXX till I turn my phone off at night on average daily I get 15to30 calls from them back to back. I do n't know what to do.i have had as many as 72 calls a day from this place
Product: Credit card

I have a My Best Buy credit card issued by Citi Bank, N.A. Last week, I noticed a {$13.00} charge for " XXXX XXXX Insurance Fee. '' I never signed up for XXXX XXXX Insurance and I 've been charged for it every month since XXXX XXXX, 2014. I called the My Best Buy Customer Service and told them that I never signed up for this service. I told them I wanted to cancel it and that I wanted a refund. Best Buy Customer Service cancelled the service, but refused to issue a refund. I never agreed to pay for this service, so I should n't have to pay for it. These unauthorized charges add up to {$140.00}.
Product: Prepaid card

Hi I have a NetSpend prepaid card and NetSpend is holding my money to my government check and will not release my money to me they had blocked my last card cause of transactions that I didn't know about and they disputed the charges that was on the card they sent me a new card and they have blocked it put restrictions on the card so I have no access to my money and they will not release me my money from my government check to me on the card they told me to verify my identity and they will check my account to access after I verify my identity they still will not release me my money to me on my card taking me through verification after Verification process and keep continuing to hold my money so I still have no access to my money they have also charged me for a card that I didn't order social security can't help me as they said they are not responsible for early deposits to the NetSpend card and told me that I needed to deal with NetSpend to get my money from them but NetSpend will not release my money to me I've tried to pay two bills it declined payment and I couldn't even get any money from the card at two different ATM locations as NetSpend locked my card and put restrictions on the card when I call NetSpend to talk to them about me not being able to get any money off my card at any ATM locations they take me through verification process again as to see if they can open and look at my account and saying my answers are not what they have on file someone has hacked into my NetSpend account and changed my email address that I had set up with my NetSpend account so i can't login to NetSpend to change password or on the NetSpend app and I still have no access to my money or account and they have changed my anytime alerts number that i had set up with NetSpend so i cant get any texts alerts from them i also cant pay my rent buy any food or pay any bills can't even pay for my prescription meds as NetSpend locked my card and have restrictions on my card and I still have no access to my money please call me XXXX at XXXX thanks
Product: Credit card

While at a XXXX XXXX art auction on a cruise ship ( XXXX XXXX XXXX ) the Park West employees placed a number of art works on the stage. The auctioneer then told the audience that as a reward for simply applying for a Park West Collectors credit card the applicant would receive any XXXX of the artworks displayed on stage absolutely free. I filled out the application and told the Park West employee my choice of the free artwork. At that point I was pressured to purchase XXXX artworks by the same XXXX for a total of {$810.00}. I chose not to purchase these artworks, indicating I only wanted the piece of art that was offered for free. I was then given an appointment to come to the Park West office after the auction, which I did at the appointed time. Upon arrival the representative told me my choice of artwork was out of stock and that I would have to pay {$35.00} to have it shipped from another location ( I found the same piece of art listed online for {$35.00} with free shipping included ). I told the Park West employee that there is at least XXXX such piece of art available-the one that was displayed on stage. I further told the representative that It is deceptive to display such a piece of art as available at no cost when it is in fact not available. I then told the representative that I wanted to withdraw my application for the credit card and demanded the application I had completed. The representative gave me the application and I left with it, thinking this was the end of the matter. Upon arriving home I discovered an E Mail from XXXX XXXX indicating a new credit account had been opened. I went to the Credit Karma website and discovered that Park West had in fact opened the credit card account against my stated desire .It is a Park West Collectors card through XXXX Bank XXXX
Product: Credit card

on XX/XX/year> I logged in to manage my account on same device that i have used on the past year and the system glitches and locks my account causing me denied access and being able to pay my current amount due in a timely manner
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Removal of Unauthorized Accounts My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance concerning unauthorized accounts held by XXXX  XXXX in my name. Regrettably, I have fallen victim to a XXXX scam, and it has come to my attention that accounts have been opened without my authorization. 

I kindly request a thorough investigation into this matter to rectify the situation promptly. I emphasize the urgency of this request and urge you not to close the case without a comprehensive examination and the subsequent removal of any accounts associated with my name that have been established without my consent. 

Your cooperation in this matter is greatly appreciated, and I trust that your team will handle this issue with the utmost diligence. I am more than willing to provide any necessary documentation or information to aid in the investigation. 

Thank you for your prompt attention to this matter. 

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

My University of XXXX XXXX loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use University accounting services as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.