23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have discovered that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. I reached out to Experian about these matters on numerous occasions ASKING TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. the only response I have receive from these agencies is this debt has been validated and will remain on your consumer report with no documents provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. according to the Fair Debt Collection Practices Act. below is a list of laws that have been violated. 15 usc 1681 c 2 15 usc 1681 b ( a ) ( 2 ) 15 usc 1681 a ( k ) ( iii ) 15 usc 1681 ( a ) ( 4 ) 15 usc 1692 d ( 1 )
Product: Debt collection

Robo calls were being placed to my deceased fathers home. I contact the company back on the day before XXXX asking them to stop. They stated I had a debt with HSBC that they bought and wanted me to pay. I asked for verification and they said to call HSBC I called hsbc and was told there was no outstanding account by XXXX at XXXX and also there investigation department. The company calling me only said they were a litigation dept at XXXX ext XXXX which when i tried to call back was a bogus extension. I then got a call the following week from someone else XXXX XXXX XXXX which again said I owed debt but this time to XXXX  XXXX. Called XXXX XXXXXXXX again no bad debt or anything in collections called back to HSBC again no debt. Then the 3rd week I get contact made by a XXXX XXXX XXXX who stated I owed I asked for proof of charges they refused to provide any documentation I stated HSBC and XXXX XXXX both had been contacted and both stated there was no account that went deliquent or sold off. Numerous times with all 3 phone number I asked for proof of debt which was refused to me. All they could say was opened XXXX closed XXXX no payments made then last phone call said payment was made in XXXX but then stopped. I never received any mail regarding a debt in the last 7 years.. I purchased a home in XXXX and had all my mail forwarded from my prior address which i had lived at for 10 years and i have had the same phone number for 19 years and email address as long as i have been on the internet. This company had my social, date of birth, what vehicles i owned access to my credit report but no address, phone or email on me. Very suspicious. I ended up settling the bill only to receive a letter from HSBC stating there still was no account out for collections. The last contact I had was with a XXXX XXXX with this XXXX ph XXXX on XXXX, XX/XX/XXXX but then in my email I get a letter for settlement offer but no other contact from them and her name is not on that document. Also when I called back to discuss I was told she was busy and would call be back and I never received a call. I was threatened with legal action and court cost with no description of charges. I was threated that all my lines of credit would be closed and I woulid be unable to do any financial business and that if i didn't want to just pay it I would have to go to court. The tatics used were bullying and scary to say the least. As a consume i was trying to do my due deligience to validate this debt before paying it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments.I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

What happened I am a victim of identity theft. 
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX. 
XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX an auto loan account opened at XX/XX/XXXX XXXX  under the account number ( private ), XXXX personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and XXXX an auto loan account opened at XXXX XXXX lenders on XX/XX/XXXX XXXX a balance of {$45000.00} ( private ) that appears related to the aforementioned XXXX.personal collection loan account opened at XXXX XXXX {$500.00} XXXX. XXXX XXXX XXXX {$1100.00} This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX has reported that I owe a collection agency XXXX XXXX They have creditor blank, payment history blank, balance update blank. I was provided with no contract binding me to an unknown company. XXXX need to Remove info off my credit report by law. This account is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equ ifax MULTIPLE  times regarding addresses that do not belong on my credit report.   Incorrect Addresses :  XXXX   XXXX   XXXX ,  XXXX  MN  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MN  XXXX  I have received multiple confirmation that these address have been deleted from my credit report yet they are still there.   Confirmation  XXXX  completed  XXXX / XXXX / 2017  - results items were deleted. Items still on my credit report so I filed another dispute  XXXX / XXXX / 2017  completed  XXXX / XXXX / 2017  however a results was never populated I called  XXXX / XXXX /   2017   XXXX  told me this has not been done, she created another dispute  XXXX  to have the addresses removed. WHY are these addresses not actually being removed but you continue to send me information these have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Experian for credit monitoring due to a past data breach. 

I also have my credit report Frozen with all three bureaus. 

Experian 's website for credit monitoring is highly misleading in that it indicates that my credit report is " unlocked '' - as if someone could access my frozen credit report. 

They are apparently showing this in an effort to scare their customers into using their unlock/lock credit service instead of managing access via a Freeze. 

Since my report is frozen, this indication of some type of access 'risk ' indicated on their website is misleading and false. 

Realizing that credit monitoring systems rely on their customer 's fears of fraud, it seems excessive that they would try to further scare their customers with a nonexistent risk. 

What can be done to get them to stop misleading their customers in this manner?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Parties involved is my XXXX XXXX XXXX Card- Account Number ending in XXXX which closed back on XX/XX/XXXX but I still have a owing balance of {$390.00}, The problem is 1. XXXX has my closing date recorded incorrectly showing XX/XX/XXXX, but it should be XX/XX/XXXX. { Can you please have them correct. } 2. XXXX is not reporting this account at all on my credit report. 
3. Transunion is not recording this account at all on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Federal Student loans should be deferred due to unemployment and COVI-19. XXXX continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred
Product: Credit reporting or other personal consumer reports

I WANT MY ACCOUNT UPDATED AS PER XXXX. THE INQUIRIES NEED TO BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Experian about the following accounts : XXXX CARD ( Date Opened XXXX XXXX, XXXX, Credit limit {$7100.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXXXXXX ( Date XXXX, Credit limit {$1800.00} ), and XXXX CARD ( Date Opened XXXX. XXXX, XXXX, Credit limit {$10000.00} ). It's been over 5 months since I send the disputes and till this day Experian have not respond as they are obligated by Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information/data was stolen from Equifax during their large security breach in 2017. I am filing this complaint to report the theft. I believe Equifax did not take the proper security measures to safeguard my data.
Product: Credit card

On XX/XX/XXXX, Capital One 's autopay overpaid resulting in a very large negative balance. On XX/XX/XXXX, I noticed this discrepancy on my bank account and immediately requested a refund. Capital One stated they would mail and issue a check that I would receive XXXX week. XXXX weeks later, I have not received a check. On XX/XX/XXXX, I called Capital One and they stated that they are still " processing '' my request and have not mailed out a check, stating that they can not check on the status of my request and to wait an additional XXXX business days before calling back regarding whether I have received my check. They said they can not provide any information on why my request is " processing '', what this means, and why it is taking so long. They say it takes up to XXXX business days maximum to complete mail a check, however it has well exceeded XXXX business days. I asked them what to do since it has exceeded that timeframe and they said they can not do anything but to wait another XXXX business days until it finished processing which corresponds to another XXXX weeks. 

Capital One is neither issuing my check in a timely manner, nor making a good-faith attempt to do so. 

The overpayment was thousands of dollars equating to over my rent payment that was effectively taken from my bank account and they will not give me my money back for over a month. This places significant financial hardship on me.
Product: Credit reporting or other personal consumer reports

discovered that a fraudulent credit card account was opened with XXXX XXXX using my personal information without my consent. This fraudulent activity constitutes identity theft, as I did not authorize or initiate the application for this credit card. 

Upon noticing this issue, I immediately contacted XXXX XXXX to notify them of the fraud. I also took steps to safeguard my personal information, including filing a report with the Federal Trade Commission ( FTC ) and placing a fraud alert on my credit file. However, I am concerned about the handling of this situation, the impact on my credit report, and the potential misuse of my personal information. 

I am requesting the following actions from XXXX XXXX and the CFPB : 1. Immediate closure of the fraudulent account.

2. Confirmation in writing that I am not responsible for any charges or activity on the fraudulent account.

3. Removal of any negative impact on my credit report resulting from this fraudulent account.

4. A thorough investigation into how my personal information was used to open this account.

This fraudulent account has caused me significant distress and concern over the security of my personal information. I respectfully request the CFPBs assistance to ensure that XXXX XXXX takes the necessary corrective actions and addresses this issue promptly and fairly.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment in XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed an account that is reporting to my credit file that is falsely reporting. The account is still on my credit despite my previous request for the deletion. I contacted XXXX XXXX XXXX XXXX and they stated that the account is not open and should not be reporting to my credit file. XXXX XXXX generated documentation as proof that I was removed from the account 2 years ago and that they can not update XXXX or Transunion because I AM NOT ASSOCIATED with the account in question. The account number is XXXX and the creditor is XXXX XXXX XXXX XXXX. The amount is {$20000.00}. Please delete the account immediately!
Product: Student loan

On XX/XX/XXXX  I signed into my Aidvantage account for student loan payments on my Federal direct student loans and could not find clear monthly statements on prior payments, allocation to principal, and allocation to interest. One prior payment in particular to a higher interest rate loan appears to be missing despite that I've always paid extra on that particular loan and I was unable to find prior statements to verify this. This is unclear. 

The second issue I have and wanted to raise to the CFPB relates to the auto-allocation feature. The auto allocation feature of the loan automatically sets the payment allocation, but does so in an unfair and deceptive manner. It appears to allocate amounts based on loan size, but does not take into account interest charge. As a result, it auto-allocates so that higher interest rate loan payment allocations do not necessarily cover their interest expense. I would consider this a deceptive practice because it 1 ) incurs higher interest costs over the loan, particularly since interest capitalizes 2 ) the default is to prompt auto-allocation and offering a 0.25 % discount for enrolling in auto-pay, which allocates in that fashion and nudges borrowers towards this decision without explaining the impact, 3 ) there are no clear statements provided that a borrower could easily check at their discretion and outlining the details in this manner, and 4 ) it unduly benefits the lender by curtailing principal on the loans with a lower profit. This is unfair because it has a disparate impact. The disparate impact is that this is likely something that households with lesser experience in finance and lower educations would not notice, and therefore are more likely to pay higher interest costs over the life of their loan. Demographically, these are typically poorer households.
Product: Checking or savings account

Capital One Bank alleges that they had a systems error and were not able to credit or record. Any deposits made to my account for a period of approximately one week, starting XX/XX/XXXX, and not resolved as of XX/XX/XXXX. 
They were able to take money from my account and pay credit cards from the account, but had absolutely no records of deposits Their only response was to file a complaint to try to resolve the situation. They stated that I had to find the name, amount, date, and transaction number of anyone who may have sent deposits to my account. 

Totally ridiculous and almost impossible for me to do this for any potential deposits that were sent Capital One said that once I have the information to contact them, and they will try to resolve a dispute within 10 days, but no resolution In the meantime, they also stated that they would assess fees and penalties for any charges or checks that I sent from the account if there is not sufficient funds
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  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 those account 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. 


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

Greetings, Today I had an inquiry on my report that negatively affects my score from a company that I've never dealt with and have NOT authorized them to review my file. I reached out to Trans Union but they said I needed to reach out to XXXX, however, I have no clue who they are and have no idea how to contact them. Please help me remove this from my file. Thank you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 i notice when Credit plus XXXX as known as xactus pulled my report they have accounts that isnt showing on my actual report anymore which is considered a violation of bein unfair of reporting falsley information and inaccuracy... however the accounts that they have showing is showing late payments and that is inaccurate fasley information which is a violation under the fcra act.
Product: Credit reporting or other personal consumer reports

I noticed XXXX credit inquiries on my report that I did not authorize nor do I have knowledge of : XX/XX/year> made by XXXX XXXX XX/XX/year> made by US BANK Again, I did not authorize these nor do I have any knowledge about these inquires. I would like both of these hard inquiries removed from my credit report. I called XXXX and they told me they have no record of this inquiry yet this check appears on my credit report from them. US BANK also provided me no information.
Product: Credit reporting or other personal consumer reports

I moved out of a property that was run by local by XXXX  I was there almost 2 years until management changed last XXXX some how section 8 paid them XXXX and I paid my portion which was only {$8.00} dollars some how me and section 8 was back and forth with them and they were paid I got ready to move I got denied because they put on my rental screening I missed XXXX payment so he tried to clear it up but was to late because I lost out from being approved so me not knowing that he still left it on a screening app that I had know way of knowing until now and I finally figured it out after losing money so I just went with my gut feeling and said drive to they office to see if it's still open and yes under a different management again I remember 2 individual from before and brought it to they attention she took my info and said I'll contact you after I look thru some ledgers she emailed me and said I didn't never owe anything and gave me a letter head stating that I tried reaching out to AppFolio numerous times and sent them proof of everything I have called called and called and left messages know response besides a email saying they are not removing anything it's said so I'm being turned down can't move have health issues it's mold and issues with were I reside since they moved different people in here that don't take care of things they saying I owe {$200.00} and I don't owe them anything that man XXXX did that on purpose and I want to sue them for damages and money I lost
Product: Debt collection

XX/XX/year> contacted ( XXXX ) XXXX informed them of the negative impact of that account on my credit report they couldnt locate account I explained they had 30 days after I disputed to contact and they declined and I needed the account removed from all credit bureaus they put me on hold after several attempts to locate account and then finally just hung up on me after no success
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, 2017 I have been in contact with all XXXX major credit bureaus to dispute inaccurate account and inquiries. I have an account with XXXX XXXX XXXX which is an auto loan that I still have the car am making monthly payments on onetime the bureaus are reporting as charged off collection account which is invalid ; the bankruptcy ; also all inquires not attached to an account over 30 days old needs to be removed as well all XXXX bureaus had a glitch were unauthorized.