23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I was visiting XXXX, Washington. During my visit I lost my wallet containing my drivers license, social security card and several credit cards. I became aware of my wallet missing after receiving numerous possible fraud text message alerts from US, and Key bank financial institutions. I promptly responded via text and followed up with phone calls to make inquiries regarding the alerts. I contacted US Bank customer service and was asked by a representative if I had made several purchases at numerous high end retailers. I responded that I had not. I was also asked if the credit card was in my possession, I responded, no, it was not. I had lost my wallet. The representative then told me the card would be blocked and a new one will be mailed out to me and my account would be credited for the unauthorized charges. The following day, XX/XX/year>, I filed a police report online with the XXXX Police Department detailing the events the previous day. Subsequently, I received a business letter from US Bank assuring me that an investigation has been initiated regarding the unauthorized charges on my US Bank Cash++ credit card and I will be notified if any additional information was needed. 2-3 weeks after receiving that letter from US Bank , I logged onto my online US Bank account and noticed the charges I reported as unauthorized were reversed back to my account. I immediately contacted a representative and explained the situation. I was then told by the US Bank representative that the unauthorized charges had been determined valid and the case was deemed closed. I pressed the representative why had the charges been determined valid, I was told when I initially contacted US Bank regarding the fraudulent charges, I allegedly told the representative the credit card I reported lost/stolen was in my possession at the time of the unauthorized purchases. I told the representative that I didnt say that, and to have the initial contact call culled to review the conversation. I then was told a request would be forward to a case processor to call me back in 24-48 hours. I have not been contacted thus far.
Product: Consumer Loan

Nicholas Financial added a {$1000.00} fee to the buy/sell agreed upon price as a lender fee, but never disclosed as a finance charge or lender fee. They are hiding a {$1000.00} fee which is basically 8 % of the vehicle price as an increase in the vehicle price at the dealership. This is fraud, and illegal lending practices. I should be refunded the {$1000.00} that was not disclosed properly, and so should hundreds of others I am sure.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX 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

Despite XXXX  written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate 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
Product: Debt collection

My wife, XXXX XXXX, received a loan from Dollar Loan Center in XXXX XXXX, NV some time back perhaps XX/XX/XXXX. She was the only signer on the contract. When she defaulted, her account was turned over to XXXX XXXX XXXX XXXX and they also tried to collect from me. Although I have disputed this on several occasions, it still shows up on my credit report as a " joint account '' and that I owe {$990.00}. I have contacted XXXX XXXX XXXX XXXX and so has my wife to let them know I was not on the account and have disputed it with XXXX and XXXX. XXXX has failed to remove this disputed debt that I never owed and XXXX XXXX XXXX XXXX most recently reported this again XX/XX/XXXX ; therefore, I was unable to obtain a home refinance on my house which would have saved me thousands of dollars in bill payments each month. I actually have an account in good standing with Dollar Loan and they wo n't do anything about it either : Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX DOLLAR LOAN CENTER Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Balance {$990.00} High Balance {$2100.00} Please help, my wife has paid the amount she agreed to on this and XXXX XXXX XXXX still wo n't remove. 

Thanks.
Product: Credit card or prepaid card

somebody try to get a credit card under my name and made a hard inquiry in capital one on XX/XX/20XXXX XXXX
Product: Debt collection

My physician 's office mistakenly sent this account for collection in XXXX of 2015. My physician 's office took action right away when they determined that they had sent the account to collections in error and immediately contacted the collection agency to have the account removed. This occurred in early XXXX 2015. I just checked my credit reports and the collection accounts are still on all XXXX credit reports. When I called the collection agency, they would n't help me to remove the account, they just told me to file a dispute with the credit agencies. They did n't even ask for my account number, just said that they would have done it right away. Basically, they said that it 's my problem, not theirs, and I need to go through the dispute process to have the inaccurate removed.
Product: Mortgage

Used $ XXXX  HELOC to purchase home onXX/XX/XXXX. Flagstar Bank drew the full line to close the purchase, then on XX/XX/XXXX drew another $ XXXX  without notice and marked my account. Then onXX/XX/XXXX they reversed the second draw. This has made my refinance process a nightmare because i have to show that there were no draws on the HELOC in the past 12 months but they have refused to fix this error in their records of my account activity. I may not receive my refinance because of their error and unwillingness to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will an online dispute from me. wrote them with no reply
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX  XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX - XXXX
Product: Debt collection

This is not my account I never open this account never did business with them when I call they gave me a fake number XXXX it was a scam number it said XXXX XXXX something I never heard of this is a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me.

2. Provide me a certified copy or an original contract, with my signature.

a. Certification can be done through the presence of a Notary Public, who duly swears that the copy is a copy of the original contract in question. 
3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place.

a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly.

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

XXXX Credit Report has inquires that Im unfamiliar with and recently my identity been used to apply for credit cards. I Will like listed inquiries to be removed from my credit report. 

CAP1/SAKS FIFTH AVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX
Product: Credit card

For months now the Capital One Credit Card has not been working when trying to convert Capital One miles/points to airline miles. This is a major part of this cards program.
Product: Mortgage

On XX/XX/XXXX, I made a principal payment to my mortgage account that dropped the original loan to value to below 73 %. 

OnXX/XX/XXXX, I contacted XXXX to ensure PMI will be automatically dropped as required by Federal Regulation since the balance is below 78 % and I have never missed a payment. XXXX refused to automatically drop the PMI and further stated they only drop PMI after the loan is 5 years old and the loan to value limit is reached which is a clear violation of Federal Regulations concerning PMI. I was also told I must send a letter to 5/3 requesting that PMI be dropped and if I didnt they would continuing charging PMI for no reason other than that the mortgage loan is not more than 5 years old.
Product: Credit reporting, credit repair services, 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 XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

Companies are furnishing false information on my consumer report. This has negatively affected my ability to obtain lines of credits from lenders. Also XXXX statute of limitations prevents charged off account from reporting after XXXX years. These negative items are unlawfully being furnished on my report.
Product: Credit reporting or other personal consumer reports

I recently mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XXXX XX/XX/scrub>/2024. I received a response stating that the accounts were verified on XX/XX/year>2024. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( A ) ( 7 ).

To be clear, per FCRA 611 ( A ) ( 2 ) ( B ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me all information used for your investigation, as required by FCRA 611 ( A ) ( 7 ).

I have enclosed a copy of the following items that are reporting negatively and inaccurately on my credit report. 

Per the FCRA you are required to provide this information within 15 days or deleted the negative items from my credit report.
Product: Credit card or prepaid card

In XXXX of XXXX I would send written request to the company for a legal name change and then I would destroy the existing card. Kohls Credit would ignore this request. On XX/XX/XXXX a purchase made under my new legal name would reveal Kohl 's credit has lied to me and refused to update this legal name change. They continue to try and block this legal name change. Now I am trying to get the account closed and paid off and they refused to provide a statement and they refuse to give any info for me to use billpay through my credit union to pay this off without revealing any sensitive information.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist. 

I discovered unauthorized and fraudulent transactions on my account, and I promptly contacted your institution to report the fraudulent activities. Since then, I have made several attempts to rectify this situation, including reaching out to your customer service department, submitting detailed reports, and following the prescribed procedures for disputing unauthorized charges. 

Regrettably, my experiences thus far have been marked by a series of setbacks and a lack of progress in removing the fraudulent items. I would like to bring the following issues to your attention : Despite my detailed reports and supporting evidence, it appears that the investigation into these fraudulent transactions has not been conducted with the thoroughness and urgency required. 

There has been a lack of clear and consistent communication throughout this process. Timely updates on the status of the investigation and the actions being taken would have provided some reassurance during this stressful situation. 
To my dismay, the fraudulent items persist on my account, leading me to question the effectiveness of the measures taken to address the issue. 

I understand that addressing fraud cases is a complex matter, but as a concerned customer, I expect a higher level of diligence and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. 
I am asking for your assistance to remove these fraudulent 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
Product: Debt collection

Agency contacted both my ( XXXX ) and my mother 's ( XXXX ) cellphone advising that there was a legal case against me ( case # XXXX ) but could not provide a specific court where the case would be heard. They advised the plaintiff was Best Buy Inc ( whom I've contacted and Best Buy Inc has no record of any transaction ) for " breach of contract '' among other things. I requested an email with supporting documentation, which I received but does not appear to be legal documentation for a court case ( I am happy to provide if necessary ). The transaction in the amount of XXXX does not appear on my credit report through XXXX. The agency ( XXXXXXXX XXXX ) web address provided appears to be " under maintenance ''. The agency called from XXXX and used a secure email to send the documentation ( XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX AND TRANSUNION are harboring information that they won't remove ranging from 3 different collections and several inquiries that I have told them over and over that I did not do. I sent in these letters and they did not do anything or provide and deletions or updates for the information. this is ironic as I also mailed the three collection companies and they did not respond to my mail either.
Product: Debt collection

Capital One Bank have failed to provide consumer with an authenticated record of accounting to validate and verify alleged debt. This is my FINAL NOTICE to provide me my request for accounting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. 

Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as its directly associated with the reporting activities associated with my financial record. 

Failure to act and/or comply will result in legal actions under Federal Laws.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Wells Fargo for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which provides protections to survivors of human trafficking. I am a survivor and victim of trafficking, and Wells Fargo has failed to appropriately block the adverse account in my credit report that is a result of the trafficking circumstances. FCRA Section 605C specifically mandates that credit reporting agencies and data furnishers must block adverse accounts that were a result of trafficking within 4 business days of being notified. Wells Fargo continues to report the account, even though I have submitted the necessary documentation to complete my request, including the victim determination document, adverse account information, and proof of identity. According to tracking, Wells Fargo received the most recent mailing on XX/XX/year>, which was sent via certified mail. It is XX/XX/year>, which is well beyond the four-business-day period during which Wells Fargo is required XXXX XXXX the account from my credit report. To comply with FCRA requirements, the bank have established procedures for their credit bureau department to submit expedited requests. 

Wells Fargo is negligently neglecting to take immediate action and block the account that was a result of human trafficking, despite my exhaustive efforts to date. My financial well-being is being adversely affected, and the trauma I have already experienced has been heightened by the failure of Wells Fargo XXXX XXXX. I have been working tirelessly to reclaim my life, including my financial well-being, since I was able to escape my dreadful circumstances, but Wells Fargo XXXX XXXX my full recovery. 

I am currently in the process of trying to relocate to a new apartment, but I am unable to do so as a result of Wells Fargo 's failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which prohibits the furnishing of the adverse account ( s ) of victims of trafficking to any " consumer reporting agency '' as defined in section 603 ( f ). I have already received multiple apartment application declines due to the reporting of the adverse accounts. My life is at risk since I am confined to the same area and living circumstances. My life has already been threatened, and Wells Fargo 's failure to comply with FCRA regulations could result in my death. I am trying to maintain calm and composure to address situations like the one I am currently in, but as a woman, I am terrified. Wells Fargo is causing great damage to my mental health amongst other things. 

Additionally, I have informed the bank of my intention to establish a repayment plan that is within my financial capacity. I will engage in this conversation directly with the bank ; however, in the interim, I am requesting assistance from all XXXX agencies to hold Wells Fargo accountable for their negligence. 

I will attach proof of identity, the adverse account information and victim determination letter to this complaint for record-keeping.