23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The peoples United bank is closing my account. I am a SSDI recipient they have failed to investigate fraud and violated FDIC regulations. Upon your response I will give you further details of where to find documents sent to other agencies asking for help. I have been defrauded and abused as a human being in medical facilities and the states of MA and CT law enforcement, courts, hospitals, and this financial institution of using an illegal committment to say I am incompetent of legal matters and defraud a SSDI recipient. XXXX XXXX and XXXX XXXX and their family and personal ; connections are trying to abuse me into dropping a very serious abuse complaint at the VA and bank fraud has been reported several times, and now they are violating FDIC regulations to close my account. Please help me I am socially XXXX do to trauma and they have all taken advantage of my condition for their own benefit. I am an SSDI recipient and have banking rights as I am in charge of my own finances. They also refused to let me update my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$1700.00} XX/XX/2020 Debt does not exist and should be removed.
Product: Credit card or prepaid card

I experience identity theft in XXXX, 2022 and was forced to close my current checking account and open a new one. On XX/XX/XXXX, I went into Targets Redcard website to update my checking account number auto-pay but their third-party vendor, XXXX, would not validate my new checking account. I called Targets customer service, which was answered by their offshore team, and they were not able to help. Over the next two weeks, I tried multiple times to update the Target credit card auto-pay website and it continued to get rejected. I finally received checks for my new account and paid the amount of my XXXX statement Target card in XXXX. When I asked Target to credit the late fees and interest ( on multiple occassions ), they would only offer to forgive some, not all, of the fees and interest. Based on principle, I dont think i should pay any late fee or interest because it was Targets third-party vendor ( and, identity theft ) that caused the delay in paying the XXXX statement. Ironically, they did accept my check that was written off of the new account. Target is unempathetic that my identity was stolen or that their third-party vendor caused the delay in payment. Out of principle, I just cant bring myself paying any of the late fees or interest that werent my doing. Meanwhile, Target is using its size and deep pockets to ruin my credit rating and extract fees and interest through a practice of denying consumers the use of their checking accounts to pay automatically through their website. One important note : Ive paid all of the charges that were associated with purchases and made them at the earliest time possible given the identity theft and establishment of the new checking account.
Product: Debt collection

I co-signed this student loan for my son in XX/XX/XXXX when it was XXXX XXXX. My son wasn't working and he had a degree in XXXX XXXX but he was trying to get XXXX Certifications. Over the course of the loan, I tried to make timely payments. Probably somewhere around XX/XX/XXXX, I started to struggle with making the payments and while they were not made on the exact day due, they would be made before the next due date. If my payment was only one to two days late, the phone calls would start. The calls would be relentless to where I just wouldn't answer the phone. Sometimes I picked up the phone not knowing it was them because I couldn't ID the caller. When I did answer, the Navient callers could be brutal. At times, I would tell them that I had already gone on line and set payments. They acted as though they couldn't look at their system and see that I had set payments to be made and they would press me anyway. I would tell them if they would just check their system that they could see that a payment was set to be made. They treated me as though I was lying and the next day I would get a call again. I would tell them that I had just talked to someone and I had already set a payment to be made. My biggest complaint is the harassment and how they would talk to me. They never told me about any way to help me payoff the account in a way that would help me. They offered me no help, only harassment!!!! Today I have finally paid the account down so that I can be rid of them. But, I do feel that I am a victim of their harassing collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XX/XX/XXXX i had a previous social security number card ending by XXXX where the social security got my information wrong.The first name appear as last name and last name as first name and the date of birth was also wrong. ( XXXX/XXXX/XXXX ) .I went to the social security office to correct the mistake, instead they assigned me a new number with my right information ending by XXXX.Since XX/XX/XXXX to present that 's the only i am using to work and apply for credit card with XXXX, XXXX, and capitalone.The previous card ending by XXXX has been surrounded to the social security office for cross reference and retirement.I am filing complaint against capitalone because i am so concerned about how they handling my personal information, starting with sms and email they addressing to XXXX instead of XXXX XXXX.I do n't know why it cause a problem to send email by using my entire name XXXX XXXX.I would like to verify the social security number capital one has on file.And also recently they have mailed me a replacement cards with the chip already been activated.I should be the only one to activate this product by using the last XXXX digit number of my social security number if it was n't any problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : 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 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

THE IRS DEFINES A CHARGE OFF AS GROSS OR ORDINARY INCOME and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT IRS Publication XXXX Cat. No. XXXX Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) For use in preparing 2022 Returns. Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. Or that 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Shows that i am co signed on a loan that i never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told Transunion that in XXXX of XXXX my balance was {$350.00} ( See Transunion XXXX ). Then they told Transunion as of XX/XX/XXXX I had missed no Payments. ( See Transunion 1 ). Then they told XXXX  as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told XXXX  then how was my balance {$350.00} in XX/XX/XXXX as they told Transunion? Then they told XXXX  that as of XXXX I had made no payments. ( See payment sheet and account details XXXX  XXXX ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see XXXX  XXXX ) Then they told XXXX  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see XXXX  1 ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} ( see XXXX  2 ) yet they told Transunion as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told XXXX  as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See XXXX  Current ) Then they told XXXX  that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See XXXX  4 ), They have told so many different versions nothing they say should be deemed as credible. XXXX, XXXX  and Transunion knows this information. I supplied XXXX XXXX and Transunion with copies of all the attached documents a few weeks ago. They told XXXX  as of XX/XX/XXXX my balance was {$440.00} yet they told XXXX  that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told XXXX  that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 XXXX  ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on my credit report/
Product: Debt collection

On XX/XX/XXXX the debt collector ( Hunter Warfield ) had sent us a letter with the claim that we had owed a debt that was falsely and illegally given. We had ended a lease due to a stalking and break-in that happened to the property. 

On XX/XX/XXXX I had sent a letter to the debt collection agency after not getting information for a address we could send this to. I had to pull up their Address online. 

In XX/XX/XXXX, I had a hard hit on my credit score due to this debt not being paid off. We then received another letter from Hunter Warfield in regard to paying this debt then. I was very unhappy about this and was looking for lawyers to represent us after contacting us after out letter.

In XX/XX/XXXX, I had taken another hit with my credit because of them. 

On XX/XX/XXXX They had sent another email claiming we still owed the debt, but saying that they have a deal this month to pay it off for 20 % off.
Product: Credit card or prepaid card

On XX/XX/2021 I received a letter from Capital One saying I'm not eligible for a credit line increase. 

The letter stated : " We want to help you understand why : The credit reporting agency has reported a recent credit delinquency Your current credit score is too low. 
Please see the back of this letter for determining factors. 
" Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listing below. '' " The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. " " We also requested your credit score to make our credit decision. Your credit score is a number that reflects the information in your credit report. '' I talked with XXXX ( XXXX ) of Customer Resolution Team on XX/XX/2021. She " supposedly '' filed a complaint. In that phone call she obviously didn't know my rights pursuant to federal law. 

I'm the original creditor, I can't be denied my own credit for reasons they have stated. I have sufficient reason to believe I am being discriminated against for whatever reason. Of course they are not going to admit it but their actions prove other wise because they have no legitimate reason to deny me of my own credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatory information against me are false. I will fight back with all my strength! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Debt collection

I have asked this company to stop calling me. I am aware of the collection. They are consistently notifying XXXX, XXXX, and XXXX every other day or every day reporting the same collection which are notifying me. This needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

when my credit cards debts increases by sometimes less than {$20.00}, my credit score drops by XXXX to XXXX points I do feel that is fair and is bad business, because if they drop my credit scores every time my credit cards debts drop {$20.00} or less, my credit score will always be low, that not right. I need my credit report audit from all 3 reporting bureaus, because something is not being done on a professional basis.
Product: Mortgage

I am frustrated at the general consensus that mortgage companies are allowed to collect their interest upfront and not refund the money back if the loan is paid off early. Why are mortgage companies allowed to collect interest on money that has not been lent. Meaning that they should only be allowed to charge interest on the loan as it stands current. Not collect the interest on a note based on 30 years even if it is paid off in 5. I just think that as consumers the mortgage companies should be giving us a choice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I OPENED AN XXXX XXXX ACCOUNT. I CANCELLED IT XX/XX/2020. I deleted my credit card information from the XXXX XXXX information at the same time as closing the XXXX account. XXXX sent confirmation emails of the closing of the XXXX XXXX XX/XX/XXXX and XXXX. But they billed my credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I tried to contact XXXX, but b/c my account is closed I can not get into their system any longer. I contacted Discover XX/XX/XXXX. They did nothing. I contacted them again today when i saw the new XXXX charge. They have given me provisional credits. But if XXXX doesn't agree, those charges will be reinstated by Discover. 
I also complain about how very difficult and complicated it is to close an XXXX XXXX account. A " help '' website for the problem states it requires 15!! fifteen steps. I think this is a clear sign of abuse of their consumer services. I represent elderly people and this is exactly the kind of misleading abuse that causes people to be overcharged and give up trying to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. Date : XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has 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 re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct reasonable reinvestigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, 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 Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$0.00} account number XXXXXXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1300.00} account number XXXX XXXX XXXX LL - Opened XX/XX/XXXX with a balance of {$1500.00} account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$770.00} account number XXXX - Opened XX/XX/XXXX with a balance of {$1500.00} account number XXXX There are fraudulent inquiries that I did not authorize which are : XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Inquired on XXXX XXXX XXXX XXXX XXXX XXXX - Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX There are also XXXX addresses which I do not recognize as reported : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud