23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX is reporting Inaccurate information which is a violation of 15 USC 1681e ( b ) -COMPLIANCE PROCEDURES ( b ) Accuracy of report 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.
Product: Credit card

On Thursday, XX/XX/year>, at approximately XXXXXXXX XXXX XXXXXXXX, I called Capital One customer service at XXXX regarding my XXXX credit card. I currently have a balance of about {$3900.00} on a {$5000.00} credit limit. My minimum payment is around {$150.00}, typically due at the end of each month ( e.g., XX/XX/XXXX ). 

Over the last few weeks, my apartment flooded and my wife was laid off from her job. She has applied for unemployment and is actively seeking new employment. I still have my full-time job ( the same one Ive held for the last four years ), but due to these unexpected circumstances, I have been struggling to pay more than the monthly minimum on my card. The interest rate is 29.24 %, which has been very difficult to manage because nearly all of my monthly payment goes toward interest. 

During the call, I first spoke with a very polite representative who then transferred me to a different department for further assistance. The second representative sounded like she was reading from a script, showed no empathy, and simply asked if I could make the minimum payment by the due date. I explained my situation and my efforts to pay down the card- from {$7000.00} in XXXX ( which was over the credit limit ) to {$3900.00} now. I also expressed that the high interest rate makes it nearly impossible to lower my balance quickly. However, the second representative did not seem to care. I asked about hardship programs, a temporary lower interest rate, or any payment plans. She responded that she had already addressed this and told me to call back if I couldnt make my monthly minimum payment. The call ended with no real assistance or solution offered. 

I spent XXXX minutes of my workday on the phone and ended up with no helpful resolution, no hardship options, and no show of concern for my situation. Given that every XXXX months the total interest can amount to about {$1000.00}, this is a serious burden. It feels like the company has no desire to assist me in paying down this debt in a manageable way despite my efforts and continued payments.
Product: Debt collection

XXXX XXXX XX/XX/year> LVNV Funding XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute and Request for Issuance of XXXX Form Dear LVNV Funding LLC, I am writing to formally dispute your refusal to provide a 1099-C form in connection with the debt account referenced under my Social Security Number ( SSN ). As a consumer, I have the right to proper documentation and transparency concerning any debt-related activities involving my personal information, as stipulated under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ). 
It has come to my attention that my Social Security Number was used without my explicit consent for the sale of the aforementioned debt. This is a violation of my consumer rights. I urge you to review the following points and reconsider your response : 1. FCRA Compliance ( 15 U.S.C. 1681 et seq. ) : Under the Fair Credit Reporting Act, consumers are entitled to fair and accurate credit reporting. The sale or transfer of a debt associated with my Social Security Number without providing proper documentation, including the 1099-C form, constitutes a breach of these protections. 
2. Consumer Protection under UCC ( UCC 9-210 ) : According to the Uniform Commercial Code, I have the right to request and obtain adequate assurance of the debt obligation, including a detailed accounting and the issuance of relevant tax documents like the 1099-C form. Failure to provide such documentation can be deemed as non-compliance with UCC requirements. 
3. Unauthorized Use of Personal Information : The unauthorized sale or transfer of debt involving my Social Security Number without my explicit consent is a serious breach of my privacy rights. This action necessitates a thorough investigation and immediate correction, including the issuance of a 1099-C form. 

I request that you : 1. Issue the 1099-C form immediately to rectify this situation.

2. Provide written confirmation of the issuance and any other relevant documentation.

3. Cease any further unauthorized use of my personal information in compliance with federal and state laws.

4. Remove from credit report along with the address this is being reported from Failure to comply with these requests will leave me no choice but to escalate this matter to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), for further investigation and potential legal action. 
I expect your prompt response to this matter within 30 days from the date of this letter. Please direct all correspondence regarding this dispute to my address listed above or my email address. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I have contacted XXXX XXXX 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account NumberXXXX
Product: Debt collection

Collection account on my credit report for debt to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX both at XXXX XXXX XXXX, XXXX and XXXX, totaling {$870.00}. Per XXXX in billing at this medical, we have a XXXX balance. XXXX 's phone number is XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, XXXX XXXX XXXX, has violated my rights XX/XX/scrub>XXXX XXXX Under 15 USC 1681 section 602 states I have a right to privacy. 15USC 1681 section 604A section 2 it also says a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer and credit plan as late for any purpose.
Product: Credit card or prepaid card

Last year, I received notice that my Costco Anywhere Visa Card account was to be closed because I no longer had a Costco membership, even though I did. I tried in XXXX to notify them of my membership status. In XXXX, my account was closed. I contacted Citibank, who told me to contact Costco. I went to Costco, who told me to contact Citibank, though they called Citibank for me, at which time I explained the issue. Citibank told me over the phone they would reopen my account and send a new card to me. After two weeks, I tried contacting Citibank again, via live chat on the Citibank website, as I could no longer sign in. I was told that I would not be getting a new card and my account would remain closed. I stated that I could not access my account to pay off the balance. I said I had not received a statement since my account was closed. I had been signed up for paperless statements. He told me that I had been receiving paper statements, giving me a date of the last statement sent, although I hadnt received it. To date, I have yet to receive a paper statement and a means to pay off my balance, though Citibank has been collecting interest since XXXX on my account, with no way for me to see the charges or pay the balance off. I do get an email notification each month when the automatic payment is made, along with a link to pay a different amount on my balance. That link takes me to the sign in page, of which I can no longer sign into, as I no longer have an open account. Citibank owes me for the interest/finance charges accrued since my account was closed. 

Last week, after subsequent emails and a phone call to a customer service rep who could understand my complaint, paper statements were delivered. After I added up the interest accrued from XXXX through XXXX, I wrote to say I would pay-off the balance by the due date of XX/XX/XXXX, if they would refund the interest they have been collecting since they took away my ability to follow the balance, payments and interest when they closed my online access. They have yet to respond. They do not want the account paid, they want to keep collecting interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through a hardship, I am now back on feet and trying to buy a house. In the mix of these I wanted to begin to fix my credit. While reviewing my credit reports I cam across quite a few inaccuracies being reported. According to 15 U.S.C & 1681 law there should not be any damages being reported and this is a defamation to my character. Remove all fraudulent accounts immediately. 

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account several accounts and validation was requested as these are accounts not recognized. I reviewed my credit again on XXXX/XXXXXXXX and the accounts continues to reflect on my credit report and I have not received any correspondence from the creditors to validate these accounts as correctly belonging to me, nor has my credit report been updated to reflect that these accounts are being disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and the accounts are still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditors has authorization to access the accounts nor authorization to attempt to collect on these accounts and the accounts continues to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belongs to me and all information is correct.
Product: Checking or savings account

Hi i just received notice that my checking account will be closed in XXXX days due to a false claim by Citi bank because of a bank transfer i made to fund the account. I HAVE FULL PROOF OF BANK STATEMENTS SHOWING THAT I OWN THE ACCOUNT THAT THE MONEY CAME FROM. Now they are holding my money XXXX ( $ XXXX ) plz send this to them ASAP. 

I UPLOADED A BANK STATEMENT AS PROOF THAT YOU GUYS ARE WRONG FROM THE ACCOUNT THAT YOU GUYS FALSELY CLAIMED INCLUDED WITH THIS COMPLAINT.
Product: Vehicle loan or lease

I am writing to formally address the breach of contract related to the auto finance agreement facilitated through your services TRESL. This letter serves as a comprehensive demand for compliance and remedies due to the failure to fulfill the obligations as outlined in the finance agreement, specifically referencing the my original complaint document and the response from XXXX XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my review investigation back from XXXX and Experian they have stated that everything is 100 % complete and accurate. I would like to receive a description according to the 15 USC 1681i ( 7 ) the accounts listed below are not accurate. The open date and the last payment date, the last date active are not 100 % accurate. They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 
XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

On XX/XX/, I noticed my Upgrade card was missing from my wallet and I immediately called XXXX to report it lost. XXXX checked for fraudulent charges and found 5 charges I did not make or authorize. I have provided everything XXXX wanted and they have still denied my case. A police report was filed. I will not pay for charges that I did not make or authorize. I reported the card lost within 60 days and I am protected by the Fair Credit Billing Act. I will also file a complaint with the Federal Trade Commission and XXXX
Product: Credit reporting or other personal consumer reports

First I dealt over the course of nearly 1 year with XXXX + XXXX other credit bureaus. The account is not mine! I wrote to the company 5 times and called then over 1200 times and they refuse to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XXXX 

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.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Product: Credit reporting, credit repair services, or other personal consumer reports

We were applying for mortgages and there was a strange charge on the credit score. We contacted Affirm multiple times and they were unable to find our information ( obviously, because we did not open the account so some our information did not match ). Finally, they were able to find the account under my name. We received an email XX/XX/XXXX stating our account was not our responsibility and we would not be held responsible. Our mortgage lender asked if we could that in an official letter. We contacted them and they sent us a letter which stated the loan was ours and we were responsible. Which is incorrect information. We called back 3-4 times. Got disconnected, got told we couldnt have anything else done. Finally spoke to yet another supervisor who said the only official letters they send are ones that show the loan, even if it is found fraudulent. I asked if they knew specifically when the loan would be removed from our credit. 30-60 days is all they could answer. This fraudulent charge is preventing us from getting a home and all we want is a paper stating the charge is not ours.
Product: Mortgage

We closed on our refinance mortgage on XXXX XX/XX/2021 with the bank 's closing attorneys. The refinance is with the Pentagon Federal ( PenFed, loan # XXXX ). The total loan was for {$400000.00} ( {$370000.00} to pay off the loan on our home currently held by XXXX XXXX Bank ) and {$63000.00} in cash back to us. Our current mortgage company was to be paid off the and funds deposited into our local bank within 5 days of closing. I have contacted PenFed at least 8 times over the past few weeks, no one has an answer and all state that " someone '' will call back- NO one has ever called me back. I talked with the Closing Attorney. She said this is wrong. She has never heard of this happening and recommended that I call the Title Attorney - no response from them either ( XXXX and XXXX, XXXX, GA ). We have received 2 bills from PenFed for our 1st monthly payment on our loan. We have also, of course received bill from our current Mortgage company, XXXX XXXX ( because of course, they have never been paid ). HELP!!
Product: Credit card or prepaid card

After having this dispute go on for 3 yrs, it was finally resolved in my favor, as I thought it was case XXXX CC ending XXXX. I just received a collection notice for {$670.00}. The case was closed by Bank of America. Please review my Att. Letters & help me once & for all. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information from my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) and other federal laws. 

It has come to my attention that you have included erroneous information in my credit profile without maintaining reasonable procedures to ensure its accuracy, as required by law. This violates FCRA regulations and federal statutes governing credit reporting, including 15 U.S. Code 1681n, 1681o, and 1692k.

Specifically, I request the following actions : Removal of Inaccurate Information : Please block and remove the following items from my credit report immediately. 

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Legal Basis : Under the FCRA, disputed items must be supported by evidence. Any item that can not be substantiated should not appear on my credit report.

Monetary Compensation : Pursuant to FCRA 15 U.S.C. 1681i ( 6 ), I am entitled to monetary compensation for multiple violations of the FCRA.

Compliance with FCRA Guidelines : Ensure compliance with FCRA provisions regarding the accuracy of consumer reports and the timely notification of investigation results.

Please address these issues promptly, as required by law. Failure to do so may result in further legal action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove me from any and all fruad alerts.
Product: Bank account or service

On Thursday, XX/XX/2016 I initiated a mobile check deposit to my business account via Bank of America 's smartphone app. 

After the check had cleared, on Friday an employee of the bank placed a " hold/freeze '' on my check. 

A note in account details said a letter had been sent through standard U.S. Mail explaining the reasons, which diminishes the purpose of convenience of a mobile deposit. 

On Saturday XX/XX/XXXX, an email was sent to my business account with a Pdf attachment stating " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. 

This indicates the judgement and belief of a certain employee that either s/he believes based on some kind of evidence that the check is somehow fraudulent. 

I need to know exactly : What kind of fraud the employee believes s/he has detected to justify such false representation ; Exactly what " check specific information '' is imagined to indicate such falsehood ; The full name and position of all persons involved in this conspiracy to meddle in my business and defame myself and my associates ; The complete details ( including name and rank ) of all parties internal and external who has been affected by the conspiracy including specific departments, law enforcement agencies and personnel ; and any other financial institutions conspiring with Bank of America.
Product: Checking or savings account

My wise account has been deactivated by wise which has now put me in a situation where I am unable to withdraw the funds from my account I have filed an appeal in which I was given the estimated time frame of XXXX Working Days or longer for the review to be completed. 

A team member of wise in an official letter to me told me that it may take 5-20 days but it's more than the days she gave me already. 

I have asked Wise to refund the balance left on my account as it was needed to pay my Landlord for rent and because the funds have not been returned me I have been rendered homeless. 

To consider this matter solved, I would like Wise to uphold my complaint and Process my refund immediately, and give a formal apology for the distress caused due to this situation. 

I am not requesting wise to reactivate my account so there is no need for taking long to review. I am only asking Wise to give me back the money that was on my account prior to account deactivation. 

In Wise website it says, " if you still have money in your Wise Balances when we close your account, well work on sending it back to your bank account ''. 

I need wise to uphold this complaint and send what belongs to me to my bank account now. 

My email on wise is XXXX XXXX
Product: Debt collection

I settled the debt and needed the balance to be XXXX on my credit report so I can gain security clearance for my employment. I paid the as debt off on XXXX/XXXX/2016 and received a letter outlining the settlement. My employer pulled my credit on XXXX/XXXX/2016 and I now show a balance past due of {$82.00}. This is the difference of the settlement and the original amount. XXXX XXXX mislead me, provided false information to the credit agency and used deceptive practices to collect more money. In the screen shot of my credit report for this account dated XXXX/XXXX/2016, XXXX XXXX undated my credit report with the balance and shows XXXX as the date for the update after I made the agreed upon payment.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Comenity Capital/MPRC, I am writing to address a concerning matter regarding an inquiry reported by Comenity Capital/MPRC XXXX which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for Comenity Capital/MPRC to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Comenity Capital/MPRC to remove this inquiry from my file within XXXX business days. 

Furthermore, it has come to my attention that Comenity Capital/MPRC neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Comenity Capital/MPRC . Failure to provide this information will leave me with no alternative but to initiate a level XXXX audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Credit reporting or other personal consumer reports

I found out that XXXX of my accounts were marked XXXX  days late, this is from my department of education loans : DEPT OF ED account has become XXXX  Days Late Between XX/XX/XXXX and XX/XX/XXXX, your DEPT OF ED student loan account status changed from " Current '' to " XXXX  Days Late ''. XXXX XXXXccount has become XXXX Days Late Between XX/XX/XXXX and XX/XX/XXXX, your XXXX student loan account status changed from " Current '' to " XXXX Days Late ''.
Product: Debt collection

I sent the attached repo removal letter to SETF ( certified ) and they responded saying they only would be willing to talk on the phone or via email. That is against the law that they didn't provide the documentation with my signature on it matching my ID. They are reporting four derogatory accounts to my credit report and refuse to provide the signed contract on any of them.