23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Capital One has fraudulently reported my deceased mother 's credit card information to the credit reporting agencies as my unpaid debt. My mother passed away in XX/XX/2020. I had her mail forwarded to my house, however, I never received any statements from Capital One that she had an account or that an amount was due on a Capital One account. I had my credit rating pulled by a mortgage lender in association with purchasing a house, and I found a debt on my credit report from an unknown Capital One card. When I inquired about the card I found out that Capital One had fraudulently reported my mom 's debt on my credit. It adversely affected my credit because at that point the account was seriously delinquent ( 7 months had gone by since my mother passed away ). Capital One admitted that the card should not have been reported on my credit, and amount was so small they closed the account, but Capital One said that it would take 1-2 billing cycles for the credit agencies to be notified of Capital One 's fraudulent actions. At that time I asked for a letter from Capital One that this issue was resolved, but the representative refused to do anything more that issue the correction to the credit reporting agencies. 
I asked around and found out I was entitled to a zero balance letter, which would verify that this matter was resolved. When I called Capital One back to ask for a XXXX  balance letter that initially told me they could not send me one. They only agreed to send me one at all when I threatened a complaint to CFPB. Once they agreed to send me a XXXX balance letter, they told me that they could only fax a letter to me XXXX I do not have a fax machine - who does anymore?! ), they would not email me a letter, and that the quickest I could get a letter would be 15 business days. 

I am trying to close on a mortgage to buy a house, and I need this letter to verify to the mortgage lender that this matter has been resolved. I feel that Capital One fraudulently reported my mom 's credit on my credit report to harass me to pay her debt, and that they feel no sense of urgency to correct their fraudulent actions.
Product: Debt collection

Repeated daily calls for XXXX. I have told them numerous times they have the wrong number but they will not stop calling. Today XXXX/XXXX/XXXX they woke me up on Sunday morning at XXXX the one day I get to sleep in. This has to stop. I do not know a XXXX.
Product: Credit card or prepaid card

got a promotional store card through wells fargo on a 36 months no interest. i get a minimum payment of {$77.00} then a year later i purchase another item. then i get a minimum payment of XXXX which is fine but then fast forward a year later and wells fargo is saying the purchase the year prior had a 12 month 0 interest and the promotion is gon na run out but yet they make me pay combined payments with 2 separate promotion periods. they act in bad faith by not allowing me to pay each item off separately so i cant allocate my own money. and with the credit card being a 36th month card promotion, they act in bad faith by not honoring that card.
Product: Credit card or prepaid card

An old XXXX account was closed in XX/XX/XXXX due to a prolonged period of inactivity. At some point long after, the credit card company allowed an unauthorized charge of {$390.00}. I contacted them several times to explain that, first, I had not authorized the purchase ; and more importantly, that account had already been long closed at the time they allowed the charge. Each time, they apologized and said that was the end of the matter. On XX/XX/XXXX, I had a conversation with a company representative that, I thought, had finally resolved the issue : they acknowledged that the account had already been closed and agreed to cancel the charge they had posted subsequently. They gave me a Reference Number : XXXX. In the past few months, I have received several notices from the credit card company offering to help me work out a payment plan. I ignored these. I have also been notified of a negative item on my credit report that I can only assume is related to this matter. Now I am getting repeated notices from a collection agency demanding {$720.00} on the credit card company 's behalf.
Product: Debt collection

On  XXXX   XXXX ,   XXXX  , I received a letter dated  XXXX   XXXX ,   XXXX  , from Moss Law Firm , P.C . attempting to collect an alleged debt which they claim I owed to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . The letter claimed that failure to dispute the debt within 30 days would result in an assumption that " the debt is valid ''.     On  XXXX   XXXX ,  XXXX , I sent to Moss Law Firm, P.C., via Certified Mail Return Receipt Requested, a letter demanding strict proof in the form of my actual signature on an application for credit and/or an agreement for credit. The letter was delivered to Moss Law Firm , P.C . on  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX  , Moss Law Firm , P.C . sent me a letter stating that they had " not had sufficient time to investigate this matter and were unable to verify the debt at this time. '' That letter arrived  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX  , I pulled each of my  XXXX  credit reports and noticed that the alleged debt had not been marked as " disputed '' under the requirements of the Fair Debt Collection Practices Act and Fair Credit Reporting Act, as well as the laws of the State of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third compliant to you. You have not resolved the original issue I had with the credit reporting agencies. As I stated in the last two complaints, I sent 3 dispute letters to XXXX, XXXX  and equifax disputing items on my credit report. You as well as the credit reporting agency repeatedly ignored the FCRA. You as well as the credit reporting agency has not produce any documentation proving the said items belongs to me. You as well as the credit reporting agency constantly states that the furnisher has verified the said disputed items. Who is the furnisher? How did they verify? Where is the original signature page, which provides proof items belongs to me? You both have failed numerous times to produce proof of said items. I am beyond anrgy that this is still not resolved after four months. I want to see your proof, which must be the original signature page of the allege contract as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the unverified negative items that continue to be reported on my credit file. Despite my repeated challenges and requests for investigation, these unjust and inaccurate information remain on my record, adversely affecting my creditworthiness and consumer rights.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 's, XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 604 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.
Product: Credit card or prepaid card

On XX/XX/2021 a fraudulent transaction was posted on my credit card for {$140.00}. I did not make this transaction and my email and address information has been changed so I never received a statement. When I found out on XX/XX/2021 because I saw that my credit dropped and saw what card was impacting me. I reached out and filed a dispute and updated my information. On XX/XX/2021 a letter was issue to me from card member service saying their research was completed that the claim I issued has been credited back to me and it was final. I received two late payments on my credit which had impacted my credit score but needs to be remove because it was a fraudulent transaction that took place on that credit card.
Product: Checking or savings account

I opened the account and had no issues at first. I did it use the account that much. I started back working and made a couple {$1000.00} deposits from XXXX. While my child was sick and 3 days before we were supposed to leave on vacation my account was locked/frozen. I provided everything that was asked of me. I was in constant contact with the bank, but never got any answers. They would not speed up the process at all. The fraud department will on communicate through email and they are only available XXXX during daytime hours. They held my money for almost a week. I have XXXX children and did not have access to ANY money. On top of that, they continuously asked for the originating source of the money that I deposited from XXXX. I dont see how that is any of the banks business. This extremely inconvenienced my family and I absolutely do not agree with their practices or protocols. It caused my bills to be late, we had to cancel our vacation and my child had to go without medication. At one point I even threatened to contact my lawyer, but that did no good.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I tried volunteering surrender the XXXX  3 times. I called Credit Acceptance Corp and spoke with an agent and told them I was going to surrender the XXXX. I gave location where the XXXX was parked and was told it was going to be pick up. This was back in XXXX, Credit Acceptance Corp hold off on the repossession for the account to grow interest on the account. Now the XXXX value has down because of years passed. If it was pick up in XXXX, the value of the XXXX would be more then today value and it would have paid into the balance in XXXX. The left over balance would be less. Now the account pick up more interest and late fee. Also I finance the XXXX for {$22000.00} and Im told I have to pay {$33000.00} which the company has already added the finance charge for payoff. I thought the finance charge was only added each month has passed. The account would have been settle XXXX years ago if you only pick up the XXXX the XXXX times I called.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( XXXX  XXXX, Transunion and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as XXXX XXXX  ( XXXX XXXX  ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX  ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Mortgage

Gold Star Mortgage Financial Group Corporation NEVER LOANED ME ANY MONEY TO PURCHASE MY HOME. ( See Banking Statements ). Gold Star has " BREACHED THE ORIGINAL AGREEMENT AND REFINANCE AGREEMENT. 
ORIGINAL MORTGAGE AGREEMENT WAS NOT A CONTRACT, BUT A TRUST AGREEMENT. GOLD STAR MADE IT LOOK LIKE A CONTRACT WHEN IN FACT MY SIGNATURE IS THE ONLY SIGNATURE ON THE AGREEMENT. GOLD STAR MORTGAGE SOLD MY ORIGINAL PROMISSORY NOTE IN XXXX AND ON THE REFINANCE AGREEMENT SOLD THE PROMSSORY NOTE AGAIN FOR XXXX ( See Audit ). 
XXXX XXXX claims to have my " Promissory Note but in fact it's just a " COPY '', NOT THE ORIGINAL, so XXXX XXXX has no right to claim ownership of any NOTE when it was " SOLD '' I asked for proof of any Loan being given to me and Gold Star will NOT RESPOND BACK TO ME WITH ANY ACTUAL PROOF. XXXX XXXX mailed me a bunch of Copies of my Mortgage and NEVER mailed proof of having any Promissory Note. I had a XXXX XXXX performed on my Mortgage from XX/XX/XXXX and found a lot of Violations, missed assignments on the " Note '', the Note and " Deed Splitting, taking XXXX different paths as well as other Violations of S.E.C. T.I.L.A. RESPA, REGULATION Z VIOLATIONS ( See Audit ). 
There was NEVER ANY LOAN, SO HOW IS THERE ANY MORTGAE AGREEMENT? ( See Bank Statements ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my bill for account CITICARDS CBNA ( Opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Charge-Off Dispute Dear XXXX I am writing to formally dispute the charge-off listed on my credit report under account number XXXX XXXX Acct # XXXX. Upon reviewing my credit report, I have found inaccurate or incomplete information regarding this account, and I am requesting a thorough investigation into this matter under the Fair Credit Reporting Act ( FCRA ). 

The details of the dispute are as follows : Creditor Name : Ally Financial Account Number : XXXX Reason for Dispute : Section 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers ( creditors ) from reporting inaccurate information and requires them to correct or delete inaccurate information.

FCRA Section 604 ( 15 U.S.C. 1681b ) outlines permissible purposes for accessing credit reports, which do not include direct reporting of a consumers income.

Creditors are not allowed to report income and I have asked for the company to send XXXX so that I can file with IRS. This account is not accurate and is has many errors. 

As required by the FCRA, I request that you provide written confirmation of your findings and update my credit report to reflect accurate information. If you are unable to verify the accuracy of the charge-off, I request that it be removed from my credit file entirely. 

Please acknowledge receipt of this letter within 30 days and provide a resolution as soon as possible. If you need additional information or documents to resolve this dispute, you may contact me at XXXX XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

I am writing to formally dispute the reporting of a charge-off on my credit report for the account with XXXX XXXX  XXXXI believe that this account has been reported inaccurately, and I am requesting that it be removed from my credit report. 
The reason for my dispute is that the charge-off should be removed because the debt was paid in full, it was settled, there was a reporting error. I have attached the following supporting documents to substantiate my request : I respectfully request that the charge-off entry be reviewed, and if found to be inaccurate or in error, be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This relates to an old account I had with the company. The account is fully paid ; as of today XX/XX/2018, the company owes me over {$300.00}. The company is holding on to my money and falsely, reporting to credit reporting agencies that I am delinquent. 

On XX/XX/2018, Hyundai reported to credit bureaus that I owe them {$920.00}. 
As of XX/XX/2018. They are no outstanding balances on my account. In fact, the companies owes me over {$300.00} which I am still waiting for.
Product: Credit reporting or other personal consumer reports

My information was exposed in the recent data breach with XXXX and I noticed some things on my credit that I do not recognize. 

Company Amount XXXX : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/2016, my American Express Serve card was closed by American Express for unusual usage patterns. Having been a loyal customer for roughly the 2 years prior to this closure, this came as a shock and surprise as I had routinely used the Serve product with no other customer service concerns. My usage was frequent and well within the rules set in place by American Express when I first signed up for this product. While I did not lose any money, I lost a valuable consumer product that I had come to rely on and used in a frequent and repeated way. 

I contacted American Express numerous times to inquire about the usage patterns, but never responded to or followed up on. As this product was important to me, I have repeatedly tried to re-sign up for this product, but American Express has repeatedly denied me access to a new product with only vague, unclear reasons. It appears American Express has purposely blacklisted me from this product line. 

This arbitrary closure has burdened me and forced me to find other, more expensive and questionable products to help me with prepaid needs. It also concerned me that American Express or another company could close my account ( s ) with little to no reason other than me not being profitable to them. 

I would like to be reinstated or able to open a new Serve prepaid product from American Express. I fear that if banks can arbitrarily close consumer products and blacklist customers from the product in the future, that banks would like to discriminate against any customer they want while hiding behind vague reasons for all its customers.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : FST XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to file a formal complaint against TransUnion for failing to remove unauthorized credit inquiries from my credit report, which are negatively affecting my credit score and my ability to obtain new credit. Upon reviewing my TransUnion credit report, I identified 7 hard inquiries that I did not authorize, all dated between XX/XX/year>2024, and XX/XX/scrub> 2024. Despite my attempts to resolve this issue with TransUnion, these inquiries remain on my report, and I am seeking the CFPBs assistance to have them removed. 

The unauthorized inquiries in question are as follows : XXXX, XXXX/XXXX/2024 XXXX XXXX, XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>2024 XXXX XXXX XXXX, XX/XX/year>2024 XXXX XXXX, XXXX/XXXX/2024 XXXX XXXX, XX/XX/year>2024 I did not authorize any of these inquiries, nor did I apply for credit with these companies on the specified dates. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of information on credit reports and to remove unauthorized inquiries upon dispute. These inquiries are harming my credit score and limiting my ability to secure favorable credit terms.

I have attempted to resolve this issue directly with TransUnion by disputing the inquiries, but I have not received a satisfactory resolution. I am requesting that the CFPB investigate TransUnions handling of my dispute and ensure that these unauthorized inquiries are removed from my credit report within the legally mandated timeframe. Additionally, I request that TransUnion provide me with an updated copy of my credit report once the inquiries are removed.

I appreciate the CFPBs assistance in resolving this matter and protecting my consumer rights. Please let me know if you require any additional information or documentation to proceed with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments from XXXX