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

I complained on XX/XX/XXXX, to dispute the erroneous items in my file, this complaint will serve as a follow-up to ensure that the items are deleted as soon as possible. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXXXXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

I was trying to make a high ticket purchase and was advised that I have a judgement fr om  XXXX  County Court/  XXXX   XXXX   XXXX   XXXX   XXXX  /Wachovia Bank. I closed a Wachovia Bank account I had back in  XXXX . To my know ledge it was in good standing. I used the checks from that to pay my rent. After moving from  XXXX  in     XXXX   I have been in contact with my previous landlord and the last check I wrote them for my last month of rent went through fine. Since I no longer live in   XXXX   I never received the correspondence from the court regarding that lawsuit when it was sent out. I contacted the courts and was provided copies of the documents that were submitted. In these documents there is nothing showing how the account became overdrawn or delinquent. I was expecting a statement of some sort from the bank showing the fees but there is n't one. I did not receive a call from the bank to notify me that the account was overdrawn or a letter. To my knowledge the collection agenc y,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  did not contact me either. My phone number has been the same for many years. on   XXXX   XXXX   , I called Wells Fargo cus tomer service. They were not able to pull up the account. I was transferred to the collections department and they were not able to view the account. I spoke to someone in the department where Wachovia accounts are handled and they could not pull up the account. Eventually, I called the executive office and was transferred to someone 's voicemail. I left a message and have not heard back from her yet. My main concern is that all of this may be due to fraudulent activity. I feel like I am being forced to pay for something without solid documentation. I contacted the attorney and the only thing he wants is money. At first I was going to just go ahead and pay the attorney {$1000.00} but that 's a lot of money to pay out and not know what is going on. How do I know if this is n't due to the fraud that took place  at Wells Fargo?
Product: Credit card or prepaid card

Capital One keeps cutting off my credit card for " fraud '' reasons. First, I applied online for the card and was approved. No further information required. 

Then, I called for an unrelated reason and was routed to their fraud department. They said I needed to send in my driver 's license. Understanding the need for verification, I did that. They guaranteed this was all that was needed. 

Then, I get a call telling me that they got the license but now they needed my social security card and a utility bill. I told the person that I had already provided the license, which they had previously told me would be sufficient. They did n't care and made me send in the additional documents, which I did, and the card was active. 

Then, ALL OF A SUDDEN, I had been using the card for some time and Capital One shuts it off without telling me. I call and they tell me they need THE DRIVER 'S LICENSE I SENT ORIGINALLY! It took the man looking through his notes to realize I had provided this and much more already to re-activate my card. 

I understand the need for security but this is ridiculous. Capital One can not just continuously cut off people 's credit cards because they ca n't keep track of the sensitive personal documents that people send in.
Product: Bank account or service

By my mistake I made an online bill payment ( Through PNC Bank ) paying one bill in lieu of another. I attempted to place a block or stop payment online while the funds were still " pending '' status but the online system told me to contact customer service to continue. I placed a call to PNC Customer Service whom advised although my account online said the money was " pending '' the money was in fact out of my account and with the company.
Product: Mortgage

I had a HELOC that matured and was unable to make the balloon Payment. I began working with the bank who approved me for a hardship. I was given terms of the new loan and accepted them. The same day I accosted the new terms the bank sent a letter stating they were also tracking my loan for foreclosure. The date of moving me into foreclosure will occur prior to the workout being complete. The bank states they will charge me legal fees and go forward with the foreclosure even though I completed my application and was approved for the new loan. I can not get there loan modification people to call me back. Are banks allowed to dual track while working through the moss mitigation process?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has had information provided by myself, for over 30 days, that directly resolve my situation. They have information from myself, the original creditor, the settlement and removal of debt that I negotiated over the course of 3 years, with little to no help from XXXX. 

When I call, they state the information doesn't apply on their end, but my report has not changed. At all, and my app does not reflect, adequately that it has been paid and resolved. 

When I called and waited 30 minutes for a supervisor she disconnected the call when she heard something she didn't like and hung it. I find it hard to believe that a 30 minutes hold, and 5 minutes of a call, filled with tension, caused the phone to magically disconnect. 

No call back was provided. No effort to resolve. 

If you are a credit reporting company, YOU ARE NOT THE GOVERNMENT, for one. You're a company getting favor from the government based on a " service '' you provide. The only point of a credit agency is to report truthful and accurate information. 

XXXX XXXX is resolved completely. 
XXXX XXXX XXXX have been resolved completely. 

This complaint encompasses both because if I don't say anything now, about how the CC took over 30 days. Then I wait, 30 days, and complain about XXXX XXXX XXXX. 

That will take 60 days to resolve based on their time table and I have no way to speed up the process, no way to inquire where they are with the process, the application is faulty, the information is only good for people that want to ruin your credit. 

XXXX  job is to report properly. They are not reporting properly. They are not following the 30 day rule agreed to by Legislatures and governs corporations as well. 

Everyone benefits from credit scores, except for the person that has a score reported incorrectly and XXXX makes no real efforts to assist in the process. 

They care more about showing you a card to apply for, to get a finder 's fee, than they care about actually helping the consumer. 

Stop trying to ruin my future prospects with your XXXX and inattentive acts that by this point, look more like malice than negligence. With a nice sprinkle of XXXX and discrimination.
Product: Credit reporting or other personal consumer reports

I noticed several inquiries on my credit report, some reported by the same company more than once. I called half of them starting on XX/XX/2023. I asked why the inquires were placed on the report, and asked what the inquiries was regarding, they would not provide me with the information. I then asked to speak with a manager regarding these cases, they would not provide me with a phone number. I then called again on XX/XX/2023 but I didn't get an answer from 5 of the companies. I did speak to XXXX, XXXX and XXXX from 3 of the companies and XXXX said he would give me a call back. XXXX call somehow got dropped and XXXX told me a representative would get back to me in 5 business days regarding this matter.
Product: Vehicle loan or lease

I have consistently paid for our vehicle. Every month they received their payment with extra at times. They wrongfully repossessed our vehicle and we are current on the loan. We did not receive any written notice or phone call I regards to any issues with the account. We have either paid via XXXX XXXX, XXXX or ACH payment. All the receipts can be provided if necessary.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 Trans Union, XXXX, and XXXX have 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 an 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 or 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 if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Debt collection

I began disputing this debt in 2020, sending debt validation requests, and notifying them I had been the victim of identity theft. Additionally, I sent multiple follow up letters notifying them I had not received any response from them validating the debt, or any response regarding what this debt was even for. I also notified them they were violating the FCRA and causing malicious harm to my credit report. 

Originally, this debt was removed from my credit report, but them years later began being reported once again with different dates and reporting information. 

To date, they have failed to provide proper validation of this debt or proven it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery ( XXXX Bank ) -incorrect account number -incorrect account type -incorrect account status -incorrect monthly payment -incorrect last day reported -incorrect two year payment history
Product: Debt collection

Per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) CMRE did not even attempt to validate a medical bill that they have put on my credit report. I just went to see a mortgage lender and discovered their medical collection on my credit report. NO ATTEMPT at all was ever made to allow me to deal with this prior to reporting it and as such it is illegally on my credit report.
Product: Checking or savings account

On XX/XX/23, I was on the US Mobile App. Under the manage account, it stated that you can add Smart Rewards to your account. So I clicked to add them. This ended up changing my account type, which is not what I wanted to do. I immediately called upon seeing the change in my account. I was told that the 24 hours bankers couldn't change it back and that I had to go to a branch to change it back as they no longer offered that account. I made a virtual appointment as well as emailed the CEO. The virtual banker said that she had to reach out to the tech team to fix it. Then she emailed me that they couldn't change it back. I got an email from the executive team that they don't offer it anymore so they wouldn't change it back.
Product: Checking or savings account

On XX/XX/2022 I filled out an application at XXXX, a division of Texas Capital Bank, to open a Savings Account that had an advertised interest rate or 1.25 %. 

On the application I provided XXXX XXXX  my name, email address, date of birth, social security number, and my physical address. 

After submitting the application I received the following message : " Thank You For Your Interest Based on the information provided, we are unable to verify your identity and can not open a XXXX XXXX  account for you at this time.Ref Code XXXX '' Since my identity is relatively easy to verify using multiple data sources readily available to the banking industry, I believe that XXXX XXXX  did not disclose the true reason that they refused my application and the true reason might have been based on the bank 's management superstitions and prejudices against consumers of my class.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CCB/BIGLOT Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate credit reporting by [ Credit Bureau Name ] in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). I recently obtained a copy of my credit report and discovered XXXX  inaccuracies pertaining to the following accounts : XXXX account XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Upon reviewing my credit report, I noticed that these accounts contain erroneous information, including but not limited to incorrect payment histories, misrepresented balances, and inaccurate dates of last activity. These inaccuracies are severely impacting my creditworthiness and financial standing. I am disputing the information reported by [ Credit Bureau XXXX ] regarding the aforementioned accounts, as it does not reflect the accurate and up-to-date status of these accounts. Under 15 U.S.C. 1681 Section 604A ( 2 ), I have the right to dispute any inaccurate information contained in my credit report and request that it be corrected or removed. Furthermore, I believe that [ Credit Bureau Name ] has violated 15 U.S.C. 1681 Section 602A by failing to maintain reasonable procedures to ensure the XXXX  possible accuracy of the information contained in my credit report. The discrepancies in the reported information demonstrate a failure on their part to fulfill their obligations under the FCRA. I request that the CFPB investigate this matter thoroughly and take appropriate action against [ Credit Bureau Name ] for their non-compliance with the FCRA. Additionally, I urge [ Credit Bureau Name ] to promptly investigate my disputes and correct the inaccuracies in my credit report. Please find enclosed copies of my credit report highlighting the discrepancies, as well as any supporting documentation related to the disputed accounts. Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information in my credit report.
Product: Consumer Loan

In XXXX, I needed additional cash, so I applied online at XXXX or ASG. Everything was fine initially with the installment loan. I received an offer to obtain another loan so I took advantage of it. That is when the nightmare began. they began taking out double payments from my account. I had to end up closing the account. There is a person there named XXXX who is the most disrespectful and unprofessional person I have ever spoken to, they have taken money out of my account so many times now its unreal. This is horrible, wish I had never taken the loan. XXXX claims to be a supervisor, whoever he yells at me and is so condescending.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Debt Collector threatened to hire an attorney to come after me for my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts.
Product: Student loan

Since its inception in XXXX, I have made monthly, on-time, payments on this loan, As of XX/XX/XXXX, 27 of those payments have had no amount applied to the loan principal. These interest-only payments total {$16.00}, XXXX. I have tried several times to get an explanation from Navient over the past 2 years, with no response from them. My latest attempts occurred today when I tried twice to send an email about this issue. Their website only responds with an error message that asked me to try again later. I tried reconciling the account using various amortization tables, but nothing matches their figures in any permutation. There is no reason that a lender would fail to apply payments appropriately to both interest and principal unless it is managed very poorly, or is a scam. Either way, I feel that Navient is ripping me off.
Product: Debt collection

I reviewed my most recent credit report and after carefully reviewing it I seen some accounts that stood out to me that I didn't recognized. The account is a collection from Spring Oaks Capital LLC of XXXX I decided to dispute them XX/XX/24 and it first, came back as verified as accurate but no documents were provided to show the account is accurate or that we have an agreement of this account. I got a notification on XX/XX/24 that it was removed but then put back on. I do know that once something is removed from your credit profile it can not be placed back on. I will upload the letter and show when it was removed and put back on there. I also know that they have no license to try to collect a debt in my state as well.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   " reaged '' an existing debt I had with  XXXX  on a repossessed vehicle. They are showing that the repossession happened this year when it was in fact years ago. I have had no contact with this company, nor have I agreed to pay anything towards this debt so the account legally can not have the clock restarted, so to speak.