23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 


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

Fifth Third Bank reported my mortgage payment late i have never been late on my mortgage and take pride in paying my mortgage on time and at at time like this fifth third should have reached out to me via phone and by writing a letter 5/3 reported a late payment to my credit which dropped my score 80 points I called 5/3 and was told they never received the payment but how the agent informed me that 5/3 was having payment processing issues which is the reason they waited to take the funds from my account i would lke the negative remark removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my credit report called XXXX XXXX that bought a debt from XXXX the debt is {$550.00} that does not belong to me contact the collection agency as well as Experian to get the debt verify requesting a signed contract and ID they never received that contract nor ID, I have request this to be removed for over a year now and it's still there and it's not mine
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Customer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed.
Product: Credit reporting or other personal consumer reports

I never had a XXXX card and did not answer to be listed as an authorized user on any XXXX credit account. XXXX is reporting an account that I am not responsible for and never knew I was added as an authorized user. I did not give XXXX my consent to add my name to any XXXX card as an authorized user. Please remove this account from all every last credit bureau. If account is not removed I will file charges and a law suit against each and every credit bureau and XXXX department store. There is a XXXX account showing a balance over {$3000.00} dollars this is not my account never was my account and I was never asked to be put on this account as a authorized user remove immediately
Product: Checking or savings account

URGENT : Formal Complaint Regarding Capital One 's Handling of Account Issues XX/XX/year> Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally document a series of troubling interactions with Capital One representatives regarding my account, which have prompted me to seek assistance from your bureau. 

Between XX/XX/XXXX and XX/XX/XXXX, I spoke with three Capital One supervisorsXXXX, XXXX, and XXXX revealing significant discrepancies and mishandling of my account issues. Supervisor XXXX indicated a lack of consistent processes for addressing similar client concerns, potentially leading to disparate treatment. Supervisor XXXX disclosed that since XX/XX/year>, I had been erroneously directed to an investigative team after numerous unsuccessful attempts to contact them via email. Moreover, Supervisor XXXX initially assured me I would be able to speak directly with the department who sent me emails on XX/XX/XXXX and XXXX, but subsequent supervisors and representatives contradicted this, stating it would not be possible. 

Additionally, I have evidence, including screenshots, showing that my account was locked with the message " too many attempts '' due to a representative becoming upset during a call. This representative wrongly accused me of lying about receiving emails from Capital One and escalated the issue without basis, even yelling at me. In response, Capital One informed me that representatives and supervisors do not have access or knowledge of those emails, which can only be accessed by the investigative team and department. Consequently, I was doubly punished because the representative was unaware that I did receive an email from another department, yet she falsely cited a reason for locking out the account without apparent basis in company policy. 

This lack of a streamlined process is severely detrimental to clients like myself, impacting my ability to access healthcare, manage living expenses, and maintain financial stability. 

These interactions strongly suggest that Capital One may be acting with bias and discrimination, resulting in unfair treatment and denial of access to my account. Therefore, I urgently request your intervention to either facilitate immediate resolution to regain access to my account or expedite the transfer of funds to a previously linked banking account. 

I appreciate your prompt attention to this matter and kindly request your assistance in addressing these issues swiftly and effectively. Please do not hesitate to contact me at ( XXXX ) XXXX or XXXX should you require further information or clarification. 

Thank you for your time and consideration. 

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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove inaccurate reported late payments update to paid as agreed 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate information on my credit report. This is an FTC violation
Product: Credit card

We received a promotional letter in XX/XX/2016 from Citi Preferred Credit Card informing us that we would receive 5 % cashback on everyday transactiaons, if we used their transactions for purchases during the holidays, up to XX/XX/2016. This 5 % cashback was supposed to be applied to the statement balance following the cycle, and would reduce the statement balance immediately for that period. This went well for the first month. Between XX/XX/XXXX and XX/XX/2016 ; we made approximately XXXX $ in purchases using this card, and a cashback credit of XXXX $ ( 5 % of XXXX $ ) was applied to the statement balance on XX/XX/2016. Noticing that it was working, we spent XXXX $ on the card between XX/XX/XXXX and XX/XX/2016, hoping to receive approximately XXXX $ cashback on the next statement ( XX/XX/XXXX ). However, only about a XXXX $ credit was applied to the XX/XX/XXXX statement balance, whereas we were supposed to receive XXXX $ ( 5 % of XXXX $ spent till XX/XX/2016 as per the promotional terms ). We called customer service numerous times, but kept getting transferred, and we were first told by a representative XXXX that the credit would be applied on the next statement, then upon disputing that, we were told an investigation would be started, and we would receive an email within 24 hours. However, nothing was done and no email was received. Upon calling again, we were transferred between 3 different people, and then informed a credit would be reflected on the account and we would receive a letter in the mail. Instead, we received a dubious letter stating that we had called to inquire about a cash advance, which we never did. 
In all, Citi Preferred Card is not honoring their own promotion, whereby we were supposed to receive 5 % cashback on transaction made between XX/XX/XXXX and XX/XX/2016 ; whereby we are supposed to receive XXXX $ cashback ( as we made XXXX $ worth of transactions ). Upon calling customer service, we are being harrassed and mistreated, keep on getting transferred and are now receiving dubious letters in the mail and email about things we never inquired about, instead of dealing with the actual cashback issue we have.
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 Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint Mortgage Servicing keeps putting lender placed insurance on my condominium even though I have both association and personal insurance. I have demonstrated this to them with the time limits via their reporting website, EOI, which acknowledged my submission and said if there were problems they would notify me within XXXX hours. They never responded. I also faxed ( and have the receipt from XXXX ), snail mailed and emailed to one of their employees the insurance dec pages. I have telephoned them several times ( I have a log ) and they always say it will be fixed. The charge went off my mortgage bill but has now reappeared, with a back balance of {$580.00}. I can not get them to stop this. I see via an internet search they have already settled several legal cases against them for this very issue.
Product: Debt collection

TD Bank via their hired law firm, XXXX XXXX XXXX, refuses to negotiate in a remaining balance of a debt incurred by an estranged spouse. 

Reps from the law firm has suggested my credit will remain damaged and are attempting to continue to collect interest as opposed to accepting a fair and complete settlement offer. 

Further it should not be legal for them to not disclose who owns this debt. Is it TD Bank? Is it XXXX XXXX XXXX? I have no idea who has bought or sold this debt and who owns it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, Experian and XXXX  has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " Promptly delete all  information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX forbearance program with XXXXXXXX XXXX XXXX effective XX/XX/XXXX. 
On XX/XX/XXXX, I received a modification package from XXXX XXXX XXXX. I returned the package back to XXXX XXXX XXXX on XX/XX/XXXX. The modification was approved XXXXXXXX XXXX XXXX advised me the payment amount was determined at {$1900.00} the interest rate was XXXX percent. 

XXXX XXXX XXXX sold the loan to XXXX XXXX I reached out to XXXX XXXX  on several occasions, but on XX/XX/XXXX XXXX XXXX informed me not to make any payments because they were going to send me out a modification package during the first, week of XXXX. I never received the package and then noticed they reported me 120-days past due on my credit report, this was around XXXX. 

When I spoke with someone at XXXX XXXX regarding the XXXX delinquency in XXXX, they stated it was an error and corrected my credit report. Now XXXX XXXX has reported me 120 days past due again to the credit bureaus and have not corrected the issue.
Product: Mortgage

I am a victim of the bank of america mortgage fraud. This resulted in the loss of my home. It was paid off. Bank of America created fake documents and foreclosed and took my home.In fraud. I would like to apply for the CFPB help funds for victims of losses. I have all documents proving this.I even worked with the Attorney Generals office her in Minnesota. We thought everything was resolved then boom Im in the street.I tried everything in my power to stop it. I applied for court hearing in Minnesota. The judge refused me my day in court do to not having a lawyer. I contacted Minnesota property records. I was told from them I had nothing to worry about, The only ones on the title and deed were XXXX XXXX ( self ) XXXX XXXX ( co-owner ) and XXXX XXXX XXXX XXXX XXXX ( second mortgage ). Now they took my home never paid of the second mortgage but removed there name from the title and deed through fraud. I was put into the street in XXXXBeen homeless ever sense. I am on XXXX so cant afford to buy a new home my home was paid off. There were no legal documents filed with the court system like required by the state of Minnesota. There were no documents entered show there right to foreclose. The court system refused me my right to legal actions. Bank of America took my home to fraud. I am asking to be entered into the Bank of America settlement. They took everything I owned. I was given the clothes on my back and that was it. There was no notice to vacate my property the sheriff kicked in my door and put me to the streets. Leaving me no choice but to move to Florida and leave all my family.This forecloser has turned my life upside down. Do to this I ask that you honor me a settlement for all my losses. Again I have every document sent and received showing proof.I said I would keep researching until I get back what they took from me. Thank-you for your help!! XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery has been attempting to contact me at XXXX. The previous individual who had this number apparently had significant student loan debt, and I am called daily regarding this. After answering a call, I asked to be removed from their calling list and am still being called daily. 

I have no debt and a clean credit record ; there is no reason why they should be calling me.
Product: Credit card or prepaid card

The problem is from XXXX. 
We have this Macys account with a balance of {$900.00}, my husband issue a cashier check for {$900.00}, and it was applied to the account. According to Macys the payment was reversed and the cashier check returned, but it was not returned to us. I have a receipt of the payment and letters sent to Macys, while the research was going on, I continue paying the account up until XXXX and then Macys placed a derogatory in my credit report. 
I called Macys corporate and according to them, they are not handling the account anymore, and can't do anything about it, Macys will not tell me who I need to talk to and resolve this issue. 
Cashier check issued on XX/XX/XXXX ( I have receipts ). 
XX/XX/XXXX sent a fax to Macys payment research dept. 
XX/XX/XXXX Macys sent a letter that they were investigating and will notify with the resolution. 
XX/XX/XXXX Macys sent another letter to contact customer service. 
We have make lots of calls to XXXX talked to different persons and recently to XXXX. 
Hopping it will be finally resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and inconsistent things on my credit report to this day over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items from my credit report, it has been over 60 days so they should be deleting promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused they cause me.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my THIRD WRITEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued willful and negligent noncompliance. despite my previous 2 written request, the unverified items listed below still remain on my credit report in violation of federal law. You stated in your responses to my 2 dispute that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. Under the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond by saying that this have been verified. Send me copies of the documents that you have in your files to verify it. If you don't have any documents in your file to verify the accuracy of the disputed account, then please delete it immediately as required under Section611 ( a ) ( 5 ) ( A ) ( I ). By publishing this inaccurate and unverifiable items and distributing it to 3rd parties you are damaging my reputation, mode of living, credit worthiness. Under the FCRA 15 U.S.C 1681 ( I ) all unverified accounts must be promptly deleted. Therefor if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed within 30 days of receipt off this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

COMENITYBANK/VICTORIA card was opened under my name on XX/XX/2023 for {$380.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to emphasize that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit card

The company must ensure a transparent and efficient process when handling customer issues Contradictory responses and unnecessary delays are not acceptable