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

When I applied for my XXXX Capital One credit card for whatever reason my apartment number wasn't included on my address. They said the card was delivered and I think it's in my landlords mailbox. 

I called them twice to get a replacement card, and each time I was met with over an hour hold time. Today when I called, the lady told me she could not verify my identity with the phone number I provided her and that I would need to be transferred and it would only take 2-3 minutes. After waiting for another close to 10 minutes, I spoke for 2 seconds with a new phone rep before the call was dropped on their end. Nobody tried to call me back. I need a replacement business credit card sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Thanks
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Equifax credit report : XXXX XXXX Inquiry date XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

Hi Wells Fargo is closing my account by the XX/XX/XXXX or the XX/XX/XXXX due to some fraudulent activity on my account. They want to close my account because it is in the negative and they are blaming me and closed the case. Wells Fargo fraudulent activity on XX/XX/XXXX in Florida when Im in California
Product: Debt collection

Original Credit Card Company, XXXX XXXXXXXX, has removed debt off of credit report due to being expired according Statue of limitations law in Illinois. Midland Credit Management has unlawfully used tactics to contact me and threaten me to pay a debt that has expired through the original creditor. Company has violated the statue of limitations, violated the fair credit reporting act, and violated Fair debt collections practices act.
Product: Checking or savings account

I placed an order on XX/XX/year> with XXXX XXXX ; I received my order and the majority of my order was missing. I tried to call, and was told I couldnt speak to anyone had to email. My order was supposed to consist of XXXX items. You all sent me XXXX items. XXXX out of the XXXX items were damaged. I didnt realize that there was shattered glass in the box ; only to end up with glass on my bed, trying not to cut myself. Frustrated is an understatement ; I paid you all almost XXXX weeks ago.. and I still dont have my product. I reached out to my bank for help recovering my funds. I was told because it was an ACH I wont be able to recover my money. Now I have no product and my money is gone according to chase.
Product: Payday loan, title loan, or personal loan

Affirm approved loan of {$740.00} and sent money to vendor before product was received. I never received the product, company XXXX XXXX ) kept pushing out my delivery date, which resulted in Affirm claiming that I couldn't file a complaint because it was after the return period, even though i never got the product. Turns out that XXXX filed for bankruptcy, so they stole my money that Affirm shouldn't have given them in the first place. Affirm should have supported me from the beginning to get my my money back. This would have happened before the bankruptcy went through, but affirm was unwilling to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX delete 3 collection accounts that after an investigation dispute XXXX  and collector fail to provide proper documentations to validated the debt and Collectors report only to XXXX XXXX and delete this accounts I contact XXXX and XXXX  to investigate why collectors did not report properly to the other credit bureaus to delete the accounts and dispute was summit it and never received no documentation under section 623 My compliant is to correct and update this information properly to all credit bureaus and delete this inaccurate accounts that dont belong to me XXXX XXXX XXXX Account # XXXX Deleted XX/XX/2020 by XXXX  Td bank used credit Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX XXXX  Account # XXXX Deleted on XX/XX/2020 by XXXX
Product: Student loan

I lost my long-term job on  XX/XX/XXXX . I graduated from   XXXX   XXXX   in   XX/XX/XXXX . I had never missed a payment since I started with ACS on  XX/XX/XXXX . I cont inued to try to stay off of forbearance and managed to pay my student loan until   XX/XX/XXXX  . My normal monthly payment is {$380.00}. I contract while I am interviewing for a full time job which I have not found yet.     When I realized I could not meet the payment requirement in   XX/XX/XXXX ,  I tried to request forbearance for 1 month only - but the paperwork took too long to arrive and they tried to withhold but were unable to.     I still made my  XX/XX/XXXX  payment as soon as I could on   XX/XX/XXXX   and made my  XX/XX/XXXX  payment timely on   XX/XX/XXXX .  As of now I am current.     I received an e-mail on   XX/XX/XXXX   informing me that on   XX/XX/XXXX  , they were now going to start withholding {$440.00}. I called requesting an explanation and they told me that there was only a 15-day grace period and they were raising my interest rate and payment amount for each month by {$54.00}.     I had to apply for a reduction in loan amount for  two  years as I 'm worried about making the payments now with the increase.     I 'm upset because I only made one late payment and am penalized permanently going forward.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX and I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I set up payment I pay them ever other week to try get catch up but I can't paid on the date they want be to they have me box in where I almost can't pay them i do make the payment soon as two days of my paday when I am onedat late they call you i talk to them i explain i can't pay on that day i talk to me so rud and uly and they love make threat to pick up my truck i am doing all i can paying what I can ever two weeks that not eought for them like said the is so bad at time I want sue .I am very tide of the theating me the truck price is to much for year any way XXXX XXXX XXXX XXXX  they told me if keep paying two days late they was to come get it if I don't have XXXX up front the truck is not XXXX much my number XXXX XXXX XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX They have my address as XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX I have never lived in Arizona.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXXXXXX XXXX Balance : {$470.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it is showing that the last payment made on the XXXX  XXXX XXXX account that is reporting on my credit report was made on XX/XX/2021. This is inaccurate. The Fair Credit reporting Act clearly states that all information on a person 's credit report should be XXXX percent accurate. I did not make a payment on this account on XX/XX/2021.
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 TransUnion 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 TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with XXXX XXXX XXXX XXXX  and I would like them removed off my credit report. XXXX XXXX XXXX XXXX  is in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I'm asking for XXXX XXXX XXXX XXXX to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. 

I've disputed this information with the credit bureaus and I've asked the company cor a cease and desist and they keep contacting me which lawis a violation of the. 

According to 15 USC 16 96 G I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. 

I would also like to see my signature on this account guaranteeing I would pay this creditor. 

I'm asking has there been any insurance claim found on this debt. 

I want proof on a change of title that you can collect on this debt. 

Continental Financie is stating I owe them a debt and I have received a welcome letter they received on a previous complaint. Continental Finance didn't have my email and this is notification of a cease and desist. 

On a previous complaint they stated they sent a welcome letter which was terms and conditions of whatever fraudulently product the have on my credit report that needs deleted. 

I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. 

Continental Finance needs to delete delete any and all information that is related to them and if they refuse I will use all laws applicable to me and sue. 

The documentation I've uploaded came from Continental Finance in which they state is a welcome letter in which it is not.
Product: Debt collection

on XXXX XXXX 2015 and letter was sent out from XXXX about a debt with capital one they said i owe, i received the paperwork around XXXX XXXX 2015 i did reply to say that the debt was paid for in bankruptcy ..but i never heard any thing else from them, they did n't say well ok or anything they just tryed to sever me in XXXX with paper work but i was never home, not until XXXX this year that had tacted on my door..and i found out they been trying to serve me since last XXXX, so they did try to validate the debt, from the paper work they serve me with, they had already got and affidavit sign on XXXX XXXX 2015 from the time they sent me the letter that i got XXXX XXXX, then i had to response back to them, they did n't even take 30 days to validate the debt i wounded had until the XXXX to response, had i not, but i did response right back and they ignore my letter, and i thought they where to stop collecting until they validate the date and send me some kind of correspondence, in stead they where getting affidavit to attached to the court papers, i never heard back from them, then i asked where they debt collector when i was in court last week, they said they where employee by capital one, but i said the paper work said you are debt collector attempting to collect a debt, they are lying about there identity i hope you can help me get to the bottom of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and Experian on several occasions since XX/XX/2015regarding incorrect information not pertaining to me showing on my credit report. I contacted XXXX  as well because the security questions don't pertain to me and I'm unable to access my credit report from them. It's extremely frustrating to be turned down for a job and to be denied an apartment due to incorrect information on my credit reports. I feel I am being discriminated due to being XXXX and not being an American Citizen. My friend is XXXX  and she contacted all 3 credit bureaus with concerns identical to mine and with in weeks all inaccurate info was removed from her reports. Please help me. My husband is XXXX recovering from a massive XXXX I'm trying to get my family ahead and unable to due to XXXX credit bureaus singling me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I disputed US DEPT OF EDXXXX XXXX XXXX and on XX/XX/XXXX I was notified that US DEPT OF ED/XXXX  XXXX XXXX was deleted per the image below ; report XXXX. Then I was then notified on XX/XX/XXXX the same account ; US DEPT OF EDXXXX XXXX XXXX was updated with with Report number XXXX. Then another notification US DEPT OF EDXXXX XXXX XXXX was updated again with report number XXXX. The account was deleted and then reinserted with account US DEPT OF EDXXXX XXXX XXXX. It contains same information such as the name, date opened, payment history, balance, etc. as the deleted acct but with a different account number. 

My rights were violated by Experian is in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Which states : 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerI f any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I was not notified and I received no mail from Experian within 5 days of the reinserted account despite Experian having my current address. I'm unsure why I wasn't notified, please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report XXXX XXXX XXXX is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with the reporting agencies for months now trying to have public record information deleted from my personal credit reports but with no luck. However, based on the information that I have found per the NCAP it states two things required : The public record data must have your name, address, and either your Social Security number or your date of birth. 
The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. After reviewing my 3 CRA records this information is not listed on the public record that is attached to my file. I am requesting that this public record..ie : bankruptcy information be deleted from all 3 CRA accounts ASAP per my right based on the NCAP law.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CUSTOMER SERVICE WOULD NOT TAKE CARE OF NEGATIVE INQUIRIES REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation.The following items are lsited below : 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
Product: Debt collection

I have disputed this account numerous times with the credit bureaus as the debt is not mine. XXXX XXXX XXXX is unable to validate the debt for that reason. The collection agency then removed the debt. XXXX XXXX XXXX then gives the debt to another collection agency to collect and it appears on my credit reports AGAIN without notice to me that this is happening. This has been a cycle, and I am needing to pursue a formal complaint so that the debt can be deleted permanently.
Product: Prepaid card

Through my employer I was able to get XXXX pre-paid credit cards. I was not able to use them in time ( this prepaid credit card issuer only gives you a 12 month window before expiring them ). Once expired they are saying they can not be reissued and I've lost any remaining balance ( which is hundreds of dollars ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I got identity theft long time ago, I reported to the XXXX  back XXXX. I get a IP Number in the mail to do my taxes every year. Every time I do my background check done, the report shows addresses that I never lived .. I only lived in XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX all XXXX XXXX address only ... my birthday is XX/XX/1994 so if you do the math, I couldnt work at that age where those false addresses show up on my report. My number is XXXX
Product: Mortgage

I applied for a loan XX/XX/2020 and started submitting paperwork to the lender. After submitting all my paperwork the lender began reviewing and stated that my DTI was too high. I called and asked for more information and uncovered that 2 sources of income were not included in their calculation so I asked that it be corrected. After that conversation on XX/XX/2020 I have been unable to reach my loan officer. I spoke with her manager and was assured that it would be corrected but I have still struggled to get information from the company. At this point ( XX/XX/2020 ) I am seeking other lenders for my loan because I am unable to get access to anyone at the company who can help me. I was told the loan would close in 7-10 days from application clearly will not happen.
Product: Mortgage

Reverse Mortgage Solutions, Inc. XXXX XXXX XXXX, 2015 I received this letter " Your failure to pay the property charges requires us to pay these expenses on your behalf. The total amount paid to date on your behalf, which you must repay is {$160.00}.
Product: Debt collection

Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a Natural Disaster Hurricane. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$380.00}, but has been sold. The balance should be {$0.00}. The company has also sold this debt to another lender. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to to inaccuracy and potential fraud.
Product: Credit reporting or other personal consumer reports

this was not sent in error, i am a consumer by law and my information was misused and now i have some false accounts on my credit report that are not 100 % accurate.