23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.
Product: Credit reporting or other personal consumer reports

IN ACCORDANGE WITH THE FAIR CREDIT REPORTING ACT.-THE UST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX, Account Name : XXXX XXXX XXXX Account Number 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 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. 16815-2 ( 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 INFORMATION IS INACCURATE. By law the three credit agencies report this account without
my written authorization and are violating my consumer rights and they have to have 100 % correct information in the three credit agencies High balance : It is the same in two credit agencies and in the other has other information that is illegal and violates My rights as a consumer. I demand account deletion Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX. 
Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number 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 # XXXX 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: Prepaid card

I have an American Express XXXX XXXX with a balance of {$750.00} issued on XX/XX/2024. I have tried to use it approximately 8 times with different merchants and it has been denied every time. Upon web searching, it seems that everyone experiences this same problem with this company. I tried calling and they say they can't do anything because their systems are down.
Product: Credit reporting or other personal consumer reports

: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from CCS for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 

Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names XXXX XXXX XXXX XXXX opened XX/XX/XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as closed charged off DUE BALANCE of XXXX as of XX/XX/XXXX with balance XXXX balance how can a charged off balance be at XXXX as of XX/XX/XXXX to Equifax which is violation of the FRCA LAWS IT DOES NOT MEET FRCA REQUIREMENTS AND MUST BE PERMANENTLY DELETED FROM MY RECORDS I HAVE FILED MULTIPLE DISPUTES asking for ORIGINAL COPY OF THe CONTRACT with my HAND WRITTEN SIGNATURE validation of the debt and how it was validated and verified AND THEY ALL COME BACK VERIFIED AND UPDATED WITH NO. INFORMATION ON HOW IT WAS VALIDATES OR WITHIN TWO OR THREE DAYS WHICH TELLS ME THE FINDING AND INACCURACY I POINTED OUT IN MY DISPUTES WERE NOT FULLY INVESTIGATING PROPERLY AND YOU ARE ALLOWING A CREDITOR TO FALSELY REPORT INCOMPLETE AND INACCURATE INFORMATION ILLEGALLY WHICH IS HARMING MY RIGHTS AS A CONSUMER TO A FAIR Report with showing COMPLETE ACCURATE AND CONSISTENT REPORT for XXXX XXXX, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Eqifax This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 

I have i knowledge of a signed a contract of with this creditor with review of the information provided which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding deletion of this account
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$380.00}.
Product: Checking or savings account

I went to Navy Federal when I wanted a company to stop charging me, they continued to allow the company to charge me, and when I filed a fruad report with navy federal they gave me my money back, and reversed it after they rejected the claim. Here is the issue, I asked Navy Federal to stop allowing the transactions and they continued to allow it to the tune of XXXX. My other bank ended up sending me a check for XXXX and an apology for not helping me. Navy Federal decided to sue me, after knowing this scam was going on and did nothing to help me. They sent one letter offering a settlement of XXXX, but never a bill or allowed me into my account. They took XXXX that was for my secured credit card and still are suing me. I can not even login to my credit card to make a payment and when I called today, I was hung up on and the guy informed me he could not even speak to me about my credit card. So, what is next they get to sue me for my credit card they wont even allow me to login and make a payment on?
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 weeks I have tried in several occasions to stop the use of my credit - several times my credit has been pulled and someone is trying to use my information to open credit accounts!! I want this to stop as it is hurting my credit score! This is fraud- I am now going to place a freeze but I would like the hard credit runs to be removed NOW!!
Product: Debt collection

Doonan, Graves and Longoria LLC filed a lawsuit on a time-barred debt.
Product: Credit reporting or other personal consumer reports

I have consistently informed you about inaccuracies in my credit report, which persist in violation of Metro2 standards. Despite previous notifications, these errors persist, adversely affecting my credit profile. I demand prompt corrective measures to rectify these inaccuracies to avoid further harm and adhere to the Fair Credit Reporting Act ( FCRA ). Failure to promptly address this matter may lead to legal action, including arbitration. Your immediate attention to this issue is crucial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$500.00}
Product: Mortgage

I have continue to communicate by phone to Mr. Cooper Mortgage Services and there has continued to be some miscommunication. I have not been able to gain access to my account online to submit a payment on a monthly basis. As of XX/XX/year> the system will not allow me access to submit a monthly payment so i can bring this account current which was initially became 30 day passed the due date due to a hardship ( water damage to my home which has been resolved and an reduction in income due to directly and some indirectly to the COVID-19 emergency.

resolved. 

XXXX XXXX : # XXXX
Product: Credit card or prepaid card

Barclays bank combined non-related billing disputes into a single 'billing dispute case ' ID XXXX rather than keeping them separate as they were separate merchants and charges for different products/services. Specifically, a dispute against XXXX where clear evidence showing 'double billing for the same product and service ' was not resolved. 

Documentation was provided to the bank that an AUTO RENTAL booking was fully prepaid on XX/XX/2019 and then double charged by XXXX on XX/XX/2019. Later, additional charges of {$99.00} were made onto my XXXX VISA account without my consent ; I reported the charges to XXXX who confirmed the final charges for my contract did not include any {$99.00} charges. 

The bank failed to refund the {$170.00} disputed charges ( out of a total {$250.00} among 3 transactions ).  There is one clear double-charge and one charge which is unrecognized by the card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently requesting that XXXX  surpress and freeze my information from being shared with any and all other parties.
Product: Checking or savings account

I deposited two checks into my account almost 60 days ago and I have confirmed with the maker of the check that the checks have been cashed and I can not be issued a new check. Chase has held my funds closed my account and cause me an eviction due to the fact the funds were going to be used to bury my son who just murdered in XXXX unfortunately I had to use everything I had to bury my child which caused me to be evicted from my house and chase will not help Me I keep getting the same standard message but they will not call any of the numbers I provided and for some strange reason chase can not contact the maker of the check through whatever database their using they are illegally holding my funds even after placing a hold on the funds the checks cleared and they still will not release the money which has cause my family a great hardship at this time and every time I call no one is willing to help me nor let me go In to the branch to get the checks verified which is insane I will continue to file complaint until something is done my son almost didnt have a proper home going service because of this and at this point it is just unfair I can not afford an attorney or I would have gotten one at this point what I cant understand is why wouldnt they allow their customers to go into the branch when this can handled and I get nothing accept we dont do that any more. I called the news just waiting for. Response and I am going to organize a protest to ensure they dont do this to any other families and I will not stop until my money is released
Product: Credit card or prepaid card

I applied online for a Capital One credit card on XX/XX/XXXX orXX/XX/XXXX and I was immediately approved. On XX/XX/XXXX, I was notified that my card had shipped. On XX/XX/XXXX, I received an email from Capital One stating that before I could activate the card, they needed to do one final check to make sure this wasnt someone else applying for a card in your name. The email included a link to take pictures of the front and back of my ID to confirm my identity. I tried the process 5 or 6 times, but I got a message saying that the process timed out. I called customer service and after over an hour on the phone, got frustrated and used another link in the email to find a physical address to mail my documents through XXXX. 

My card arrived today along with a separate letter from the Customer Fraud Protection department requesting that I call them. I called the number in the letter and was told that a fraud hold was placed on my account, but they will not give me any further information about what triggered this hold. I am sincerely concerned that something like identity theft is happening and feel that I have the right to know what has happened. They refuse to give me any information. If a consumer is denied credit, the company is legally required to notify the consumer as to the reasons. As far as I am concerned, this may be even more serious, yet they are not required to give me any reason so that I can take measures to resolve it? 

It is suspicious that a company would approve me for credit and then almost immediately place a fraud alert on the account. 

I closed the account today and will never again do business with Capital One, but again, I am left in the dark if there is a problem with my identity. I am concerned that whatever caused this problem may happen to my other accounts with other businesses.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$120000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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: Bank account or service

I recently reviewed my credit report and observed that COMENITY BANK CONDUCTED A HARD HIT INQUIRY ON MY CREDIT REPORT THAT I DONT RECALL AUTHORIZING. I am requesting COMENITY BANK to provide me physical proof that I authorized the inquiry. If the fail to provide me physical proof of my authorization COMENITY BANK NEEDS TO CONTACT XXXX, XXXX, & XXXX and remove the inquiries.
Product: Credit card or prepaid card

Consumer Financial Protection Bureau Case # XXXX Citi Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX What happened : " Our records reflect the authorization for {$0.00} to XXXX XXXX XXXX XXXX XXXX " Because the charge did not post to your account, it did not qualify for one of the benefits of your card, which is is {$0.00} liability on unauthorized charges ; therefore, an investigation was never conducted '' Your Citi Executive Response Team City did not answer the question : How did that charge get into our accouint and why does Citi dismiss it? It did get there and was not authorized so how can it be any except Fraud?
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my full loan amount several months ago. They kept the loan open with a balance of XXXX cents with no option for me to pay the XXXX cents to close the account. 

Then in XXXX of XXXX, they opened up a new loan in my name without my authorization. I never requested it, never received the funds for it. 

They have no phone number that works. No customer service. No known physical presence as a banking institution. They are a scamming shell of a company. They need to be charged for fraud.
Product: Debt collection

Progressive Management System located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX Has reported to the credit agencies that I owe {$480.00} to them due to an original debt of {$410.00} from XXXX XXXX. 
When I contacted XXXX XXXX they informed me that they do not show any such debt in their records. I asked them to contact PMS and clear this misunderstanding. 
After XXXX contacted PMS and cancelled this debt with them, it still shows on my credit report. Upon contacting PMS they told me that XXXX has cancelled the debt, but they still refused to report it to credit reporting agencies to be removed from my file!
Product: Student loan

On XX/XX/2018, I paid off one of my student loans ( loan 3, group C ) with OSLA. A few days later, I checked back to make on my account via the online interface to make sure that everything had gone through, and it had. I continued to make payments. On XX/XX/XXXX, OSLA sent me my quarterly account summary confirming that I only had one loan outstanding ( loan 1,  group A ). 

On XX/XX/2018, I logged back into my account and noticed that while the total amount of the loan was similar, it had retroactively been divided between Loan 1 ( a 5.3 % interest rate ) and Loan 3 ( a 6 % interest rate ), despite OSLA sending me documentation ( the quarterly account summary mentioned above ) stating that only Loan 1 was outstanding. 

On XX/XX/2018, I contacted OSLA 's customer service. The first person I talked to failed to acknowledge any problem and seemed to not understand what the problem even was ( she said, " well, the total amount is the same, '' seemingly not understanding that the interest rates between the two loans would have an effect. ) She passed me off to her boss who took a similar stance. They only agreed that there was a problem after I sent them quarterly account summary and screenshots of the payments that I made. 

I had checked my account a number of times between making the payment and XX/XX/2018 and all was fine. It seems that OSLA retroactively managed my account to disperse the funds in a manner that would benefit them ( specifically partitioning the money between the two loans ( 1 and 3 ). Their actions seem to define predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX  compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX  compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Product: Debt collection

CAPITAL ACCOUNTS violated federal law by not notifying me within ( 5 ) days before they REQUESTED this account to be INSERTED on my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CAPITAL ACCOUNTS fail to meet the legal requirements by law.