23daVinci/CFPB_Complaints huggingface dataset:
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After looking at my consumer report I noticed a collection I did not recognize and wanted to address. On XX/XX/2021 I sent a letter to the collection agency in question. I simply sent a letter asking for a validation of debt so that I can understand this consumer transaction. After sending my letter to Cavalry Portfolio Services , LLC they sent me a summons with multiple letters saying I was being sued. This letter terrified me because it stated that the paycheck I use to feed, clothe, and house my family with will be taken away from me to pay a debt alleged to be mine. After reading over the fair debt collection practices Act I noticed that this could be a violation pursuant to 15 USC 1692d ( 1 ) but I'm not sure. I also saw some other possible violations that I wasn't sure applied to me, I wrote them on the exhibits attached. The only thing I ever wanted from initially reaching out about this debt was to gain clarification and fulfill my obligiation whatever that may be. And this company immediately started attacking with this lawsuit alongside XXXX XXXX XXXX XXXX XXXX who is acting as this debt collectors attorney. This letter was recieved by me on XX/XX/2021 and the court date is scheduled for XX/XX/2021. I was not given enough time to respond to the letter appropriately or even get an attorney together to help represent me. I feel like I am being set up for failure. I think this is also a violation of 15 USC 1692g ( d ) and 15 USC 1692e ( 7 ) but again I am not sure and wrote the rest on the exhibits attached.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  XXXX  I subscribed to a  XXXX  year computer virus protection "  XXXX  '' for {$31.00}. I turned the auto renew off so I would n't automatically renew after a year. However, in  XXXX   XXXX  the company charged me {$74.00} for an auto renew.     I contacted my credit card a t BOA an d at first they put a hold on the charge. However, the vendor responded to the bank that the charge was for an active account and was auto renewed. BOA then put the charge back on my card.     I called BOA and explained that I was not set for auto renew and they told me it does n't matter because the companies website states that subscriptions auto-renew. I explained to BOA what is currently on the website is irrelevant because I have a document that shows I am on manual renew.     I told the bank this was an unauthorized and fraudulent charge and I wanted it removed. BOA told me they would not do that because I authorized the charge. BOA then told me a charge is not considered fraud or unauthorized if at any point in time you give a vendor your credit card information.     I was very confused with this statement and asked them a question using this example.     " If I were to go out to dinner and pay with my credit card, an d four we eks later the vendor charges me for a meal when I was n't there that would not be fraud because I previously gave them my credit card information? '' BOA told me that is correct.     This seems unbelievable to me, and I was talking to the card manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed bank accounts after experiencing a fraudulent charge that my bank wasn't willing to fix. Shortly after I opened and funded my new account, I contacted XXXX and asked them to please send me a way to pay my account. They sent me a link that wasn't working to make a one-time payment. I then tried to log in today and update my bank account ( this is the 4th time since XX/XX/2022 ) and again it does not allow this. I then emailed yet again to ask for a way to fix my account. I was able to click the link and make a payment today, but the company has added late fees to my account and reported my account as 90+ days past due. My account is past due and over the limit only because they will not allow me to make a payment or update my information. Included is proof of my initial email and my payment confirmation.
Product: Credit card or prepaid card

I have three accounts with Comenity Bank : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I paid all three accounts in-full XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have always received paper statements for all three accounts and never signed up for paperless statements. For the 1st time since paying the accounts off in XXXX, I received a bill in the mail XX/XX/XXXX for XXXX and XXXX XXXX XXXX XXXX stating I have a balance. I called Comenity Bank about the matter and was told I had incurred residual interest which I wasn't aware of since I didn't received a bill, which also caused late fees and reporting late to the credit bureau. while questing the representative I inquired about XXXX XXXX and found the same had occured with that account as well except I have never received a bill to date. I believe this all to be a fraudulent act against me on the part of Comenity Bank. I'm asking your help to resolve this matter and avoid this from happening to anyone else! I have paid the fees to avoid any further attack against my credit. I pray Comenity Bank will refund the wrongful fees and interest charged and remove any negative reporting that has occurred since the accounts were pain in full XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm asking you to remove these unauthorized requests from my credit report without delay. They've caused considerable distress, and I sent evidence of their authenticity. In this matter, please hurry up your investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> letters were sent to all three credit bureaus asking to investigate accounts that does not belong to me. 

royal furniture for the amount XXXXXXXX XXXX  for the amount of XXXX
Product: Credit reporting

Of the XXXX credit reporting agencies at www.annualcreditreport.com, only XXXX will let me access my information online. 

EQUIFAX will not allow me access online. First they ask for information which you would need the credit report to know. What is more alarming is they asked me to answer which company I got a mortgage from in 2015 to verify my identity. I did not get a mortgage in 2015! Now I ca n't get access to my credit report to see if there has been identity theft! To submit a request for my EQUIFAX credit report through the mail will take weeks, at best. 

XXXX is even worse. Submit a request for the annual free credit report via www.annualcreditreport.com for XXXX, and you get a full-screen solicitation to purchase XXXX credit monitoring service for {$19.00} a month with NO OPTION to go beyond that page except accepting the free trial offer, which brings you to their enrollment for credit monitoring page. You simply CAN NOT access the XXXX credit report from www.annualcreditreport.com. They not only wo n't provide my credit report, as required by law, they TRY TO SELL ME SOMETHING INSTEAD! Unbelievable!!! 

Please enforce the rules requiring the credit reporting agencies to provide a free credit report to consumers each year. 
Consumers should not have to jump through ridiculous hoops and wait weeks to get what is rightfully theirs by law. 
I also think it is vastly inappropriate to have solicitation offers be linked or connected in any way to www.annualcreditreport.com. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I didnt authorized those hard inquiries that is fraudulent. 

XXXX XXXX XXXX XXXX Capital One bank XXXX XXXX Capital one bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon checking my credit report on XX/XX/XXXX, I noticed information for Portfolio Recovery in the amount of {$1100.00}. They agency reported the debt to my credit report on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the XX/XX/XXXX should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXXXX/XX/XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

Amsher collection services account XXXX amount XXXX This is fraud. I have never had a XXXX XXXX I have attached a police report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

WHATEVER THE ACCOUNT IS : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

On XX/XX/2019, I applied for a {$40000.00} auto loan. Due to starting a new job, I provided to Navy a copy of 1 check consisting of two week pay ( {$8800.00} ) and my offer letter detailing that my yearly salary is {$190000.00}. It is clear that I am able to afford a loan of this type. But according to Navy personal, because I am on a contract I do not qualify for a loan and was denied. After speaking with them, I requested to modify the loan terms to {$20000.00} and 1 year loan. That too was denied. This is America, therefore, not every job is guaranteed. I was told, due to the fact that there is an expiration date to my contract I would not qualify for a loan. As a part of that offer letter, it states the possibility of extension. For every contractor, work is based on a length of time. Navy Federal has discriminated against me. And, most federal jobs today are based on contract. Navy Federal is denying those with the ability to pay loans solely because they are on a contract. 

I would like to have the discrimination practices stop by Navy Federal Credit Union.
Product: Consumer Loan

This is a former sovereign bank home equity loan now with Santander Bank. I acquired this HE Loan in XX/XX/XXXX with an interest rate of 7.49 %. I lost my job in XX/XX/XXXX but have been trying to maintain payments. My balance is presently {$86000.00}, I am delinquent from XXXX XXXX, XXXX. I am now employed but at a lower paying job. I send the bank {$200.00} a week to maintain the payments of {$620.00} a month. I have tried repeatedly to refinance this loan, but the bank will not listen. I do n't want to loose my apartment as I also take care of my ailing father. I have over {$2000.00} in late fees which XXXX will not waive. I have never neglected this loan. I am current in my maintenance fees. XXXX has advised me that I do n't qualify for a HARP loan since this is not a mortgage, but its a home equity and I need to know who can help me with this. I am receiving threatening phone calls telling me to get another loan to pay the arrears, which I ca n't based on my credit rating. I am asking the CFPB to help me work with XXXX to keep my home. I also need them to stop threatening me since I am maiking weekly payments. Also if they can reduce or waive these lat charge. I can be reached at XXXX XXXX XXXX, XXXX, NY or XXXX. Thank You. XXXX XXXX. My account number with XXXX is XXXX # XXXX.
Product: Mortgage

OnXX/XX/XXXX I initiated a conversation with loan officer XXXX XXXX of Movement Mortgage regarding obtaining a mortgage. On XXXX XXXX, XXXX I submitted an online application for a mortgage as requested by XXXX XXXX. 

Although I provided Movement Mortgage with all requested documents and information in a timely manner, I did not receive a decision for 43 days. I was informed via a voice mail on XX/XX/XXXX that my application was denied. XXXX XXXX said she would email me with additional information. She did not email or mail any additional information. 

To date, nearly six months later, I have not received any information regarding why Movement Mortgage declined my application.

Movement Mortgage violated my right to Find out whether my loan was approved within 30 days of submitting my completed application. Also, since my application was rejected, Movement Mortgage was required to provide that information to me in writing, not by voice mail. 

Be given specific reasons why my application was rejected. Movement Mortgage was required to give me the specific reason for the rejection or tell me that I had the right to learn the reason if I asked within 60 days.

Movement Mortgage may have rejected by application because of information in my credit report. If so, Movement Mortgage was required to tell me that, and give me the name, address, and phone number of the consumer reporting company that provided the information. 

I believe I was unfairly refused this loan because I am a divorced woman.
Product: Credit reporting or other personal consumer reports

I did not open this credit card. I am a victim of fraud. I had this credit card years ago I paid it off and closed it. I never reopened credit card. I did not make these charges
Product: Credit reporting, credit repair services, or other personal consumer reports

On my EQUIFAX credit report I have XXXX hard inquiries, XXXX in which I do n't know anything about. I 'm really shocked to even see this much but it makes me mad For them to be on my report when I did n't even do it. I tried to get the problem resolved but obviously they do n't want to. 

XX/XX/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. XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX  XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX
Product: Credit card or prepaid card

1. I paid {$270.00} for seat selection on XXXX XXXX. However, I did not receive {$200.00} reimbursement benefit as shown on my card.

2. I have spent {$5000.00} within 2 months after subtracting all refunds and annual fee. But I XXXX took my signup bonus away without any reason.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute an inaccurate entry on my credit report. As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the following item and remove or correct it if found to be inaccurate or incomplete. 

Account Information in Dispute : Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ UNKNOWN ] Disputed Information : [ I have no knowledge of the account, which may be a result of identity theft or clerical error. ] Reason for Dispute : [ I do not recognize this account and did not open it. I believe this may be a result of identity theft. Please investigate this account and remove it if found to be fraudulent. ] I believe this information is inaccurate because : Please investigate this matter in accordance with the FCRA and update my credit report accordingly. I request that you send me written confirmation of the results of your investigation, including the action taken within 15 days. If the information can not be verified, I ask that you delete it from my credit report entirely, as required by law. 

Additionally, I would appreciate it if you could send me a copy of my updated credit report after the corrections are made. 

I am exercising my rights under the FCRA, which stipulates that credit bureaus must investigate disputes and resolve them within 30 days of receiving this request. If this dispute is not resolved within the statutory time frame, I may escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or take legal action as necessary. 

Thank you for your prompt attention to this matter. Please inform me if you require any further documentation or information. 

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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 instructio ns
Product: Credit card

I opened a prepaid credit card with Crypto.com. Deposited money into the credit card, I synced the card toy smart phone. The card started having issues with XXXX XXXX, would decline transaction. I attempted to contact crypto chat no response, I tried calling but just goes to voice mail, I tried emailing no response. The card is frozen and all I want at this point is my money, I cant even believe that this is allowed. The card contains my hard earned money and this bank is not responding to any of my communication.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX Credit Card, account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN FAIR PRACTICE ONMAIN FINANCIAL REPORTIN TO CREDIT BUREAUS XXXX, XXXX AND XXXX WHEN YOU OPEN ACOUNT HOW FAST WILL REPORT THE ACCOUNT AND WHEN YOU CLOSE ACCOUNT AFTER BEEN PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why once again XXXX Nationstar Mr. Cooper ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX Nationstar Mr. Cooper after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX Nationstar Mr. Cooper taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXX/NATIONSTAR MORT - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster