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

My account was closed without my permission and I have not received any correspondence from capital one regarding why my account was closed. I made on time payments and was still making payments to the account. I learned my account was closed when I tried to use it for a gas purchase after paying the bill and I was informed my account was closed when I called in. 

Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX  previously and asked them to remove this account from my report as it does not accurately state any information at all. 
I have notified XXXX as well as XXXX XXXX County of this reporting and both state that they do not report to any credit bureaus and that they are falsely reporting this information. 
Each time I have reported this and made a complaint, it is closed with no real investigation. 
You are violating my rights by reporting false information. 

Please remove this account from my reports.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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: Credit reporting or other personal consumer reports

All addresses need removed. Except XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX/DEPT OF ED 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Mortgage

XX/XX/XXXXcheck to Wells Fargo cashed. 
XX/XX/XXXXdue date of WF mortgage ; we receive an overdue notice charging {$47.00} as a late charge. 
XX/XX/XXXXI called seeking an explanation as the late date is XX/XX/XXXX. After a lengthy discussion, XXXX said the charge would be waived. He confirmed the payment was NOT late until the XXXX. I said I didnt need a waiver, it was their error. He proceeded to explain other payment methods to receive payment earlier. I explained that the due date should be changed if the payment was not in fact late and I didnt appreciate the grab for an unfair fee. 
XX/XX/XXXX I received another late notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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
Product: Credit card or prepaid card

In XX/XX/2021, Without my permission, Wells Fargo and XXXX linked my WF Rewards program to my XXXX account. I never asked for this nor would ever want to link the two.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging postings of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal credit Union for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these transactions are unfair and requested investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Bankruptcy XXXX None XXXX Inquiries XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately By law Delete all incorrect information and account listed in the document below from my consumer report immediately as it is hindering me and should not be reporting on to my consumer report and violates several laws under the FCRA and FDCPA.
Product: Debt collection

I try to make a offer with the credit company and they did not want my offer to close the account. he just told me that I needed to make my brother pay it who is the account holder. I am not the account holder but it is on my credit report. The creditor was asking me to aggravate the account holder about it because it is his account even though it is on both of our credit it was a really uncomfortable situation that I didn't think would go that far.
Product: Checking or savings account

I was issued a treasury refund check from the Federal Government for {$17000.00} on XX/XX/2023 with an initial hold until XX/XX/XXXX. I was patient regarding the initial hold they placed on a treasury check, but now I am frustrated as they extended it to XX/XX/XXXX. I went on tcvs.fiscal.treasury.gov ( which my wife, who works in XXXX XXXX XXXX XXXX, says is common practice ), and the check was marked as paid- which means it has cleared to Bank of America. Never in my life have I had a problem with treasury checks. They are usually made available the same or the next day - and the fact that the reps are unwilling to escalate this issue to help me is nonsensical. Is Bank of America struggling- are they next to collapse? This is genuinely concerning. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each credit bureau several times about the name and addresses listed on my credit report being inaccurate and they have not removed the information from my credit file. with all of the credit breeches and fraud going on I would like this fixed immediately. 


Name And Addresses XXXX XXXX XXXX ( this isn't my legal name that is on my social security card please remove ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( I have never lived here. please remove ) XXXX XXXX XXXX XXXX, CA XXXX ( I have never lived here. please remove ) please remove the information that I am listing because I have never lived at the addresses. 

My Correct name and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX  I reported inaccurate collections from Trans World Systems , IncXXXX to XXXX. The transaction was not removed and remains on my credit report. 
XX/XX/ I reported inaccurate collections from Trans World Systems , IncXXXX to XXXX requesting that this transaction be removed from my credit report. Dispute # : XXXX via telephone to agent named XXXX. This will be my second time making a complaint about the transaction. I received an email stating that I can check the results of my dispute however, the only information that is given is the status of the complaint but not the actual results of the dispute. There is on pdf file attached displaying or explaining the results of the dispute. Additionally, the website XXXX states that you can view the XXXX however, the website just loops you back to the view dispute status page. The transaction was not removed and remains on my credit report. They also told me that they would not reivestigate this transaction. 
XXXX I requested validation versus verification of the debt as I don't have a contract, have never had a contract and don't owe Trans World Systems , Inc.XXXX This information has not been provided to me. 
XXXX Making an official complaint with CFPB.
Product: Vehicle loan or lease

I didnt authorize these companies to report my Experian credit file
Product: Vehicle loan or lease

Santander Consumer USA has been taking monthly payments out of my checking account for payment on my RV for over 10 years. The last payment was due on XXXX XXXX, 2017. I received the monthly invoice/statement like normal for the last amount due and noted that it was a few dollars less than the past amounts. There was no indication that I needed to send them a payment. On the week of XXXX XXXX, 2017, they started calling me. On XXXX XXXX, 2017, at around XXXX they got me at home and told me I had to send the last payment in and because I was late with payment there would be an additional {$3.00} of interest. I did not consider this to be my problem, but their problem for not letting me know I should have paid them by check instead of having them take the money out of my account. I asked to speak with a manager and did not get anywhere with them on the disagreement.
Product: Credit reporting or other personal consumer reports

All information on credit report should be remove due to identity theft enclosed you will find the account number of a report made. There should be an account from XXXX XXXX that is not mine due to a breach with XXXX my information was used in a identity theft.
Product: Credit reporting

can not find anyplace to dispute issue with trans Union - unable to reach live person or get information to receive pin number to remove credit freeze on my report. they suggested information needed to receive to pin being copy of drivers licence - bill and other things - they have not provided what " other things '' are needed. in order to speak with anyone live to get information I need to provide pin number which I have lost. I can not change credit cards - I can not get a loan w/o a credit score - I can not get a credit score with a freeze on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are supposed to make it free and easy to freeze credit. This is not true for Experian. After unfreezing my credit to make a purchase, I went back to re-freeze my credit. All went well except for Experian. I filled out their onlne form, but it was rejected for unknown reasons. They now want me to send in a bunch of documents to re-enable the freeze that I had in place just a short while ago. They make it hard so that you will buy their paid services. What a horrible company to try and do business with.
Product: Debt collection

The Heartland Resolution Group called me from XXXX XXXX XXXX on XXXX around XXXX XXXX. My phone rang once and disconnected, so I called them back. They purport to be a debt collector company and alleged I owed a medical debt to XXXX XXXX XXXX. I told them I don't owe them or anyone any debt and none of my medical bills are in collections. They pressed me for personal information to " check my account " and I said no, and they hung up on me. I XXXX  them and they are a scam company that goes by the names Heartland Resolution Group, Heartland XXXX XXXX, and/or XXXX XXXX XXXX XXXX I called XXXX XXXX XXXX and asked them to check if any of my accounts with them are in bad standing or have gone to collections and they told me no, and that furthermore, they have no idea who the Heartland Resolution Group, XXXX or Heartland Group even are. I called Heartland back and let them know that I know they are a scam, fraud company and again they hung up on me. Read the reviews that are written about them online as it shows the extent of their con and fraud. They are basically conning people into setting up debt " payment plans ''. They keep the money you give them thinking you are paying off debt and do not give it to the real creditors. My outstanding bill with XXXX XXXX is around XXXX dollars and still in review with my insurance company so I have no clue how they even knew about it. I am reporting them to the Attorney General of my state for investigation. They are thieves of the lowest kind.
Product: Checking or savings account

- I opened a Wells Fargo Everyday Checking account on  XXXX   XXXX ,  2017  online and was told that I am eligible to receive a {$250.00} bonus once I complete a set of activities within 60 days of opening the account.   - I completed all the required activities within 30 days of opening the account. ( I can provide my account statement if required ).   
- When I contacted the company I was told that it may tak  e more than 45 days to post the bonus after completing the activities. It has been more than 45 days but I am yet to receive the bonus.   - When I contacted wells fargo again I was told that they would investigate and send me a the details within 14 days. It has been more than 14 days and I have n't received any response from wells fargo.   - I am attaching the email which I received when I opened the account. Please let me know if additional documents are required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT owe anything on this XXXX XXXX account and it still is listed that I do hurting my credit scores. This information needs to be resolved ASAP. 

XXXX/XXXX XXXX
Product: Checking or savings account

Wells Fargo closed all XXXX of my accounts and will not let me rectify the situation. They never gave me a reason why they were closing them. They just sent me an email that they were closing my accounts on a certain date. When I called customer service to get an answer XXXX was a XXXX  to me and wouldnt work with me at all. Now Im having problems opening a different bank account because of Wells Fargo closing my accounts
Product: Credit reporting or other personal consumer reports

On my reports through XXXX and Experian there is an address I have never been associated with and may be the result of identity theft. 
The address in question is XXXX XXXX XXXX XXXX, I have never been associated with this address and have never heard of it. 
I have contacted both companies and they won't remove the address.
Product: Checking or savings account

I was contacted by someone that stated that they were assisting me with unlocking my XXXX business account. The person telephoned and stated that someone was purchasing XXXX  via my cashapp account. During the conversation the individual downloaded a mirror screening app and in a matter of seconds and stated they numbers being entered were codes but they were actually purchasing gift cards and transferred {$2300.00} of my hard earned money via cashapp. Cash app only refunded me {$250.00}. 

The report stated because my Phone was not stolen and in my possession that I authorized the transactions. I DID NOT! It was done so quickly and I was not aware that these transactions were being done!
Product: Student loan

On XXXX I attempted to make a payment on my student loans on the amount of {$430.00}. according to the aidvantage records there was a " payment reversal ''. this is the same problem with a payment attempted on XXXX in the amount of {$870.00}. nothing has been credited to my account because of the payment reversal, and interest has been charged. This appears to be a common problem with this lender.
Product: Debt collection

I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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