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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX -- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX
Product: Credit reporting or other personal consumer reports

upon checking my credit reports I noticed that there is no information on my file or score. I reached out to the company and have not received a response to why I can not see or review my credit report or score.
Product: Credit card

Hello, I would like to file a complaint about my Amex Hilton Surpass welcome offer that I applied on XX/XX/2023. The welcome offer was XXXX XXXX  + one free night reward after spending {$2000.00} within 3 months. 

Since Amex does not have a spending tracking system on the website/app when I signed up for a welcome offer, I had to manually reached out to the CS to check on my spending. 

On XXXX XXXX, I reached out to the CS, and the CS agent confirmed that I have met my spending and I will get my points within 8-12 weeks after I met my spending. 

On XXXX XXXX, I reached out to the CS again because I still did not get my points even after meeting the requirement. The CS agent stated that I will get my points on XX/XX/XXXX which is my statement billing date, so I waited until XX/XX/XXXX. However, I did not get my points on XX/XX/XXXX. 

On XX/XX/XXXX, I reached out to the CS again to see when I will get the points. Then, I was told that I did not meet the spending requirement {$2000.00}. I explained that previously agents confirmed me that I met my spending and told me that I will get my points on XX/XX/XXXX. The agent said I did not spend for eligible charges which do not include " fees or interest charges, balance transfers, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, or equivalents. '' I asked which purchases were not eligible and the agent said they can not provide specific charges. 

I know most of my spendings were shopping online or in-store, so this is clearly Amex 's faults : 1 ) CS confirming that I have met my spending 2 ) system issue that filtering my purchases as not eligible for the offer I am attaching my 3 months statements since I opened the credit card as well as the screenshots of conversations between me and 3 different CS agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX, I needed to remove judgment liens on my home. I was told by lawyer I had to file bankruptcy so i did in order to to remove them. I was never aware of the process called reaffirming mortgage loan with lender, as a result the lender reported my loan as delinquent and included in bankruptcy instead of reporting payment status ; paid as agreed. Also, XX/XX/XXXX all three credit agencies marked I was delinquent from approximately XXXX through XX/XX/XXXX which has a negative mark. However, I never missed a payment nor was I ever late and I have about XXXX pages from the lender showing all payments on time, yet no one/company will remove the negative mark for XX/XX/XXXX. I also noticed that the agencies did not receive payment history several months prior to XX/XX/XXXX which shows I was delinquent or derogatory. 

All three credit agencies and the mortgage company Nationstar/Mr. Cooper has not only defamed my name, they also are fraudulently reporting incorrect information about my payment history and status. 

I have disputed this claim about 4 times a year written in different ways in hopes they would understand their errors. To date, they, Mr. Cooper still will not acknowledge their errors, therefore the XXXX agencies are still reporting XXXX delinquent/XXXX  for that mortgage. 
I sold that home and paid in full to the lender on XX/XX/XXXX. Ive been trying to get another home loan which has been difficult due to this mortgage lender reporting false information. Because Ive been defamed, and credit score has lowered due to this reporting error my quality of life has diminished to living in a rv and homeless. I deserve to have my quality of life back and these companies are destroying my mental an emotional health as a result. 

Please force them, Mr. Cooper to report correct information as I paid as agreed from XXXX through XX/XX/XXXX which was when I paid them in full, to remove the negative mark on XX/XX/XXXX and add all payments as positive, on time and never missed a payment so all three credit agencies have the correct information to change the false information about the payment history for that loan.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX : {$410.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Improper Handling of Reinvestigation Request Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding their handling of my " Request for Reinvestigation and Detailed Description of Verification Methods. '' On XXXX, I submitted a comprehensive request to Equifax to reinvestigate inaccuracies on my credit report and to provide a detailed description of the verification methods used. However, Equifax rejected my request, stating that proper identification was not provided. 
I strongly believe that this rejection is unwarranted and constitutes a procedural failure on the part of Equifax. Enclosed with my original request were the following documents : 1. A signed and dated dispute letter outlining the inaccuracies on my credit report.

2. Copies of my credit reports from XXXX, XXXX, and Equifax highlighting the disputed items. 
3. A copy of my government-issued identification ( driver 's license ).

4. A copy of my Social Security card.

5. A recent utility bill verifying my current address.

6. Any additional supporting documents substantiating my claims. 
I have thoroughly reviewed XXXX guidelines for submitting disputes and ensured that all required documentation was included. The claim that proper identification was not provided is incorrect and has resulted in an unnecessary delay in resolving my credit report inaccuracies. 
Violations of Law I believe that XXXX 's rejection of my request and the subsequent delay violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : This section requires that credit reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information.

2. 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : This section mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. 
3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that 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.
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt that is not owed. I never had this company as a debtor. I tried contacting XXXX XXXX and they do not have the correct identifying information. Please remove from my credit bureau. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a debt to my credit report without my consent the original creditor XXXX never sent me a valid debt validation letter, which I requested to see the information on their paperwork, no contract with my signature and my address is not correct. Also, they are reporting this debt to only one credit agency XXXX XXXX. I contacted them which they tried to charge me money for them to send in documents and get this deleted because the agent seen the errors on my report.
Product: Credit card

Capital One has caused significant issues for my family and me, leading me to consider suing them for disrupting our family vacation and negatively impacting my life. Between XXXX and XXXX, I had joint accounts with my ex-wife, XXXX. Following our divorce, we both filed for bankruptcy, and my accounts were charged off. My bankruptcy was XXXX in XX/XX/XXXX, and I opened a new secured account in XX/XX/XXXX with a {$1000.00} cash deposit at Capitol One. Despite adhering to all required procedures, my card was locked upon trying to pick up a rental car, XX/XX/XXXX denying access for XXXX days, even though I provided the necessary documents within XXXX minutes. 

The account was later unlocked, and I used it for XXXX more weeks before it was locked again, XX/XX/XXXX with demands for documentation not legally required in Michigan, which seems like unwarranted harassment. In XXXX, when activating my new card, Capital One did not remove several old, inactive bank accounts linked to my profile. My fiance accidentally made a payment from a closed account previously shared with my ex-wife. I corrected the mistake immediately and made an updated payment, but XXXX days later, they started asking for documents that I am unable to provide. They are unwilling to compromise and are not providing assistance, effectively seizing my {$1700.00} and refusing to let me fix the problem or use my card. It's like they are not human, and they only care to read what is on the computer screen they lack any empathy or professional business skills This is the worst experience i've ever had in my life! They are asking me to prove ownership to an account that is several years old, closed and doesn't have my name on it because it was my Ex Wife 's and I did provide them proof i had used that account more then XXXX times in the past to pay on my account and I also provided proof I was married to XXXX at the time of using the account but they won't listen and they don't care. I am not able to speak to my Ex-wife if I wanted to get these document 's and they're refusing to compromise, they are not being rational they are acting like I intentionally added a closed bank account to Capitol One online account
Product: Credit card or prepaid card

Capital One Venture : First I XXXX XXXX XXXX A XXXX XXXX XXXX and a XXXX XXXX XXXX. I have/had a capital one card always paid in full and only ever used for travel, household, family purchases. I am a mom of XXXX children XXXX of which are foster kids, so I spend family always. Two weeks ago I went to pay for our family cruise and was informed that my capital one card had been cancelled by capital one. Appalled, I called them and they said that I was not using my card for family and or household purchases. Literally I was embarrassed and shocked. This is all that I used this card for and I have proof of all the purchases. They told me I would receive a letter and I did, it basically said the same thing. I lost my points that I earned and its embarrassing because I havent done anything wrong. Then today my Kohls card was cancelled and they are stating it is because of the capital one issue. I have tried to reach out without any avail. I am not sure what to do!!! I now have 2 cancelled cards on my credit report and the main thing is the embarrassment like I have done something wrong! I want my cards back on and my points. I want this fixed. Should I get an attorney to step in and handle it? I did have my business attorney look at my info and he sees nothing I have done wrong.
Product: Debt collection

A fraudulent medical account is reporting by Capital Accounts LLC on my XXXX credit report for {$140.00}. I have never visited XXXX XXXX XXXX. I have filed a police report with the XXXX Police Department, Report # XXXX to support my identity theft report.
Product: Credit card

I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Law 15 U.S.C. 1681-1681x credit information in the state of New York is not allowed longer than 4 years from closed date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FELLOW UP LETTER To whom it may concern : Upon inspection of my credit report, I noticed the following information is continuously being reported incorrect : My full name is : XXXX XXXX XXXX There should be no other name/aliases listed on my report. Please remove any other names/aliases you have listed as they are incorrect. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other addresses are in correct, undeliverable and I have no access to them. Please remove any and all incorrect addresses immediately.

My current employer ( s ) : None There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. 

You are harming my ability as a consumer to obtain credit by putting out my credit report that contained inaccurate and/or obsolete information. 

Although you are not XXXX  Its my understanding that XXXX has agreed to pay {$22.00} XXXX to resolve claims it hurt consumers ability to get credit by adding allegedly inaccurate and untrue information to their credit reports. 

XXXX you are making my credit report which using outdated home address/ undeliverable address and multiple aliases with incorrect information to report it as high-risk for credit fraud reports. 

Its my understanding XXXX company policy DOESNT oversee that theyre obligated under the Fair Credit Reporting Act to put out credit reports which are as accurate as attainable and that dont include any adverse information that is obsolete. 

It is my belief that the sole and only reason that YOU continue refusing to remove all name/aliases & addresses other than what Ive given with the documentation that validate my CORRECT full name & CURRENT & ONLY address is to flagging it as being HIGH RISK OR NON-RESIDENTIAL which benefits YOU monetarily. 

Attached is the supporting all REQUIRED documentation to validate my dispute. Please update your records accurately & send me a updated copy with my accurate personal profile information promptly. 

Thank you Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Company was closed due to XXXX XXXX and we never reopened so in XXXX and XXXX the 5 companies wrote off the amount owed and never sent a 1099c so I could claim it as income on my Taxes this is considered IRS Fraud since it has been 3-4 years the accounts should be removed the information listed for the last 3-4 years is false and has had a bad effect on my personal credit the information is considered income not debt after it is written off
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 USAA Savings Bank added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, USAA Savings Bank has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act.This list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account # XXXX ACCOUNT XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX Account XXXX XXXX XXXX Account # XXXX has Violated my Rights. 
15 U.S.C 1681 section 602 States I have a 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 with out 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.other then conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s2 ( 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.
Product: Mortgage

XX/XX/2020 : I received a letter correspondence from my mortgage company stating that I was qualified for the home modification process. 

The following week I received a call from the mortgage rep confirming that I was qualified for the mortgage modification and was given specifics on how much my interest rate would be and the total amount due each month, starting in XXXX. 

I then proceeded to inform him that those figures were not on the correspondence that I received from the mortgage company the previous week. His next words to me had me wondering about M & T. 

He stated to me that the letter was incorrect. It could be an advertisement, and if not, it was sent out in error. With my insistence of the validity of the correspondence I received from M & T he asked if he can put me on hold and check with his supervisor. 

He then came back and stated " oh yes I see it, but that was sent in error '' " we don't offier that rate anymore. 

He could not tell me who sent it out, when did they stop offering that rate. 

What was intriguing its the amount that I did mention in previous conversations that is feasible. 

I am not quite sure where do I go from here. Do I pay the amount they are telling me over the phone or the amount that is listed on the correspondence from them. 

I was told if I do not start payment I would forfeit my modification. 

Can they change their minds in the middle of the modificaiton? 
Do I believe any of the correspondence that I have received from them? 

I believe they should be held accountable for the information in the correspondence.
Product: Checking or savings account

Im filing a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other income and deposits. Capital one has cited technical issues, which may violate the the electrical funds transfer act ( efta ) as it requires timely access to funds. this situation arises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights is upheld Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I was told I was getting a loan for XXXX with interest putting this loan at around XXXX after receiving everything the loan turned out to be close to XXXX and I didn't sign up for that. This is putting me back in debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment : 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

This company, which I hold no contract with nor have received services from, reported a collection account for a debt I do not owe. Never contacted me. 

Out of the blue I go an alert on my credit that I had a new collections account. I have gone through several car purchases, a new mortgage, and a refi over the past 7 years and this account never popped up. I have a clean credit report. Well, I DID until this company decided to come at me. The day I got the alert on my credit, I called them. They say it's from the City of XXXX from late XXXX, early XXXX. They say they had an old address on file and I never received any notices nor phone calls regarding this account until they just decided to report it. 

I asked them for details on it and they said I'd need to contact the City of XXXX to get details. I did, they also say it's for utilities from XX/XX/XXXX, at the address they were sending the notices to ... Thing is, I didn't live at that address in XX/XX/XXXX and the City of XXXX also did not to try and contact me either. Both Contract Callers and the City of XXXX have been completely rude to me. 

Contract callers say they did not get the debt notice in their office until XX/XX/XXXX, about 6 years after the alleged debt. They just now decided to list it on my credit report and try and collect on it without even notifying me or giving me a chance to resolve any alleged debt before listing it. 

As mentioned, I never received a notice or communication, not a letter, not a call, nothing. If they had provided me notice of the debt and given me the chance to validate the debt, I might of been able to validate and resolve any alleged debt before it reached my credit report. However, no one contacted me, just immediately decided to list it on my report for which I immediately called them about it the day I saw it. Completely unfair. Especially after so many years!