23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Yesterday I received a court summons filed by XXXX XXXX XXXX, XXXX who represents Bank of America in my PO Box when checking for my car registration. I had contacted the firm while still at the post office to get started in planning a payment arrangement, explaining to them that I had a death in the family and was recovering my finances and getting up to date with a variety of bills along with taking care of the deceased estate and caring for the deceased while she was in the hospital and the nursing home. I had explained also that Bank of America was engaged in theft and filed a complaint against them about that. I contacted them this morning and after being on hold for a hundred years and several attempts, I reached a non-attorney debt collector by the name of XXXX, who stated that I need to recant my complaint with the CFPB before they can talk to me. I then contacted the CFPB and was informed that they had no right telling me that. I then attempted to call them and with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Product: Credit card or prepaid card

Ive been a capital one customer for many years now and Ive never experienced what Im going through with any other card company. Ive made all my payments on time for years but have recently gone through hard times with focus which has resulted in me losing my job and making less then half of what I used too. Capital one has shut my account as of last year as I still continue to pay off my card every month. I dont want the account open but the interest on this card has caused me to make payments every single month and not see the principal balance change at all because of the ridiculous interest rate and fees. I have called multiple times and capital one will not work out a payment plan with me, lower my interest or do absolutely anything to help a long time customer in this situation. Ive been looking at the same balance for so long while still making payments its like they want to bury their customers in interest that will cause them to never pay off a card unless they had extra money. Its so upsetting and frustrating because Im a XXXX XXXX with a house an XXXX kids. It feels like this card will cause me to never get by at all. Its affected my credit so negatively and capital one will literally do absolutely nothing to help me unlike other credit card companys. Hopefully someone with a heart from their team will see this and do something to help me. I really hope I can work something out because at this rate I wont be able to make payments anymore if its just all going to interest. Please just try to work something out to help a long time customer whos family uses capital one but now sees how they treat a struggling customer. I cant afford these ridiculous XXXX $ minimum payments a month out of nowhere
Product: Debt collection

I have been sending dispute letters for the account and I have not had one response from this company. They were not able to provide any form of documentation to verify this specific account with me. Stating that the account is " verified '' is not even enough to prove such ownership If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX  {$2000.00} to bring an account current, yet at the same time ( 48 hrs ) the account was reported as charged off. I was told by customer service that the status would be rolled back ( I have this conversation recorded ). Yet every call I make to them results in my being transferred to a call center overseas and people who claim to not know anything about it. I would think there would be notes on the account from customer service. I even offered to pay the balance in full immediately, even though the $ XXXX is more than the amount needed to bring it current. The account was late in the first place due to divorce and the ex emptying accounts. XXXX was aware of this, and I was told that the department needed was not open on weekends. They did not contact me via mail. They have my email and did not contact me there either, or via phone. I was told they had an old phone number yet I had updated it to the one I've had the last 7 or so years. I had an excellent history with them before this. Their reps in other countries contradict what they say and I have recorded countless calls with them where I get different information depending on who I speak to. This is misleading, fraudulent, and they should not be allowed to treat consumers this way. Especially a consumer who is not asking for a settlement, but who wishes to pay the full amount due. Their incorrect reporting will now result in my children and me having a difficult time securing a residence, and also impact my ability to get a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission.

1. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of XXXX : XX/XX/XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my personal information with transunion. They did nothing. Provided proof of identity theft and my correct address yet I still see address that arent mine resulting in account that were created by the fraudulent person being listed. 

Addresses that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, la XXXX
Product: Money transfer, virtual currency, or money service

After noticing my debit card being declined at several different ATMs and trying to make purchases, i contacted CASH APP asking why this happening. 

Using their chat bot through the app. I got a vague answer with no explaination as to why they deactivated my card. Any thing that i may have done etc..to cause this. They said i can continue transferring money from within the app but that my purchases with the card will be declined. Final answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft because I have been incarcerated for the last 10 years and it is no way I am opening accounts and leaving them delinquent if I am in jail. Someone is taking advantage of my situation and I would like all negative/fraudulent accounts listed be removed from my consumer report per 15 US Code 1681c-2 Block of information resulting from identity theft. Also according to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have not been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally address your agency 's failure to remove certain items from my credit report, despite my dispute letter sent over XXXX  months ago ( XX/XX/year> ). In that letter, which is both dated and time-stamped, I provided clear evidence and requested the removal of specific items. However, these items remain on my report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, as outlined in 15 U.S. Code 1681b, Permissible Purposes of Consumer Reports, I have never provided written consent for your agency to report any information on my consumer report. Lack of consent constitutes Identity Theft, and therefore, these accounts must be deleted immediately. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently obtained a CitiBank XXXX XXXX credit card with a {$1000.00} limit. From the very start it was difficult to use this card. I had made a purchase online for my first purchase, my second purchase, a pos at XXXX was denied & it took XXXX minutes to verify the account before it would go through. Knowing that I intended to use the card to purchase airline tickets in the coming days, I quickly made a {$900.00} payment directly from my checking account ( which has been linked to this card for payments ). 
The {$900.00} was withdrawn from my checking account on XX/XX/23 & it cleared that day. CitiBank posted it as a payment. 
My available balance remained at {$57.00} despite having XXXX balance. 

When contacted, customer service stated Citibank was holding my payment for investigative purposes & that they apologize but there nothing they could do, the account would not be cleared until XX/XX/XXXX. This means Citibank gets to use my {$900.00} ( & every other persons payments ) for free, they get to earn interest on my money. No one can tell me if this will happen every payment or not. My card is completely useless, had I been traveling Im would have been in a desperate situation. This seems to me like completely unfair practices..
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER DISPUTING THESE ACCOUNTS MANY TIMES WITH THE CREDIT COMPANY THEY HAVE FAIL TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account 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 account 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.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


Here is the list of account/item which do not belong to me or were opened without my permission.

XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$110.00} 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: Mortgage

I mailed ] my XXXX mortgage payment from XXXX, Oregon to Pennsylvania on Monday morning the XXXX of XXXX on XX/XX/2019, I applied to refinance my residence. my lender called me to inform me I had a mortgage late on my credit report for XXXX. I went to my bank and found out Selene credited payment on XXXX XXXXI have been mailing my payment around the XXXX of every month and have never had a late payment. 
I want the late payment removed. with 4 day delivery the payment would have been in their possession on Friday the XXXX. 
note their statement in the first sentence of paragraph 3. 
PAYMENT MUST BE RECIEVED BY THE LAST DAY OF THE MONTH. 
I am requesting proof from Selene that they received my payment on XX/XX/XXXX. 
again worst case it was received on XXXX that still leaves 1 extra day ( Saturday ) for my payment to be in their possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$3100.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate credit reporting
Product: Credit reporting or other personal consumer reports

I have tried to finance some furniture by using XXXX XXXX XXXX. When they did a soft pull of credit it bounced back stating that my credit file was locked. I reached out to TRANSUNION, XXXX, and XXXX. All 3 credit bureaus have my credit file UNFROZEN. When I asked all 3 bureaus why is it that it keeps showing that it is frozen from XXXX XXXX Choices end and none of them can answer that question. It is very weird that it says my account is frozen but talking with and signing in online to all bureaus it shows there is no freeze on my file. I would like a full investigation into why this is happening.
Product: Credit reporting or other personal consumer reports

Hello, I'm XXXX XXXX. I am writing to demand my privacy rights be respected. Transunion, XXXX XXXX XXXX are violation my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my right to privacy but they have also violated the FCRA. They are sharing my information without consent, written instruction or authorization. I have no contracts with these consumer reporting agencies and they have no excuse for sharing my information with their affiliates. This invasion of privacy and extortion. They threatening to continue disclosing my personal information until I pay. This is also a violation of the criminal coden18 us code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft 18 us Code 1028. 

In addition to these blatant violations there are still more problems unresolved I expect all late payments to be removed. Transactions are to be excluded from the report. So much of the FRCA has been violated I have grown weary of finding violation. I will simply list then as follows : 1. 15 usc 1681a 2. 15 usc 1681b 3. 15 usc 1681c 4. 15 usc 1681i I am demanding the cease of improper reporting and knowing violations as per 15 usc 1681s. 
In order for equitable relief I demand the following items be removed without delay and rapid restore, or I will be forced to instruct the FTC and CFPB to do a thorough investigation. 

1. XXXX  XXXX - Remove Late Payment 2. XXXX XXXX XXXX XXXX XXXX XXXX. - Remove Account. 
3. 7 Inquiries - Remove From Report 4. XXXX XXXX - Removed Account 5. XXXX XXXX  - Remove Account 6. XXXX XXXX - Remove Account 7. XXXX - Remove Account 8. XXXX - Remove Account
Product: Debt collection

1. I received an alert email from the credit institution this morning on XX/XX/2018. 
2. A collection agency suddenly put {$4800.00} on my credit report. I do not recognize this amount and did not receive any detailed information although I requested that they should send the the detailed one to the attorney.

3. When I was terminated by phone suddenly on XX/XX/2018, although there was no debt but {$1000.00} credit I could not receive my credit amount when terminated. 
After several month, the company forwarded the sudden debt to the collection agency, XXXX XXXX & XXXX XXXX without any notice. 
4. Please delete immediately the collection amount on my credit report. That's not my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$20000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1000.00}, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have a credit card account with American Express National Bank ( originally American Express XXXX XXXX  ). This account went into default during 2020 because of Covid-related loss of income. 

My contract with American Express specified that late fees will not exceed {$38.00} per billing cycle, as follows : ( 1 ) the first time it happens, the late fee is {$27.00} ; ( 2 ) if late payment happens again within 6 billing cycles, the late fee is escalated to {$38.00}.

American Express has billed and is attempting to collect excessive late fees. I do not have every statement since the account went into default, but I have three statements that show the following : ( 1 ) first late fee charged was {$29.00}, not {$27.00} ; ( 2 ) a second late fee was {$40.00}, not {$38.00} ; and ( 3 ) a third late fee was also {$38.00}, not {$40.00}.

This may seem trivial when you consider my account alone, but this type of unfair billing seems to be a systemic issue with American Express. CFPB has previously sanctioned American Express XXXX XXXX  for unfair fees and billing : https : //www.consumerfinance.govXXXX If this is happening to me, it is unlikely that I am the only one.
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS MARISOLFED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.