23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have put in bold the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
1. Exeter Finance Account # XXXX Amount : XXXX Date Opened : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX - Notes : FTC Report Cease and Desist Dispute Letter Police Report Spoke to charge of department - Name of Agent : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX Loan Amount : {$0.00} Loan Account # XXXX Date Opened : XXXX Loan Amount : XXXX - Notes : There is 2 collection agencies on the report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dispute # XXXX XXXX XXXX XXXX  Address : XXXX Name of Agent : XXXX XXXX XXXX. Account Ref # XXXX XXXX : XXXX Notes : XXXX recalled the debt back to them XX/XX/year>. Cease from collecting. 
XXXX XXXX XXXX Name of Agent : XXXX XXXX Notes : Ref # XXXX Amount : XXXX Notes : Disputed Fraud. 
Cease and desist put in XXXX  Names of Agents : - XXXX XXXX XXXX - XXXX - XXXX - XXXX XXXX ( credit dispute XXXX. XXXXXXXX XXXX XXXX Account # XXXX Date Opened : XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Ph. XXXX. XXXX Notes : Send FTC Report Cease and Desist has been put in Name of Agent : XXXX XXXX XXXX. XXXXXXXX XXXX Account : XXXX Date Opened : XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX Ph. XXXX Notes : XXXX. XXXX Auto Account # XXXX Date Opened : XXXX Amount : XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Ph. XXXX Notes : XXXX. XXXX XXXX XXXX Account # XXXX  Date Opened : XXXX Amount : XXXX Address : XXXX XXXX XXXX. 
XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a disput in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

Inaccurate items on my file that violate the Fair Credit Reporting Act 15 USC 1681e ( b ). You have also shared my confidential information without my permission breaching my privacy rights as per 15 USC 1681 ( a ) ( 4 ). 

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

COMPANIES ARE ON MY HARD INQUIRES I NEVER EVEN ASKED FOR THEM TO RUN MY CREDIT. ALSO I HAD NUMEROUS NAMES REMOVED AND NUMEROUS ADDRESSES REMOVED THAT I NEVER LIVED AT, SO PURSUANT 15 USC 16816.
Product: Mortgage

During my XXXX XXXX XXXX  vacation while I was out of town ( XX/XX/XXXX/XX/XX/XXXX ), my mortgage loan was sold from XXXX to new rez mortgage. Loan # XXXX. Upon opening my mail to be informed my automatic payment for my bank had already been sent for my XX/XX/XXXX payment. That payment was never received by newrez, or returned to my bank account and my mortgage has been in arrears since then. I called in XXXX XXXX XXXX XXXX XXXX XXXX sent numerous emails. I have sent proof and I cant get any response from anybody over the phone.
Product: Credit card

applied for CareCredit for my dog 's XXXX and the XXXX charge XXXX/XXXX/16 and I guess I was on a " deferred credit '' plan that I understood as they would charge interest back to the beginning but calculate it base off the monthly balance deferred not the whole balance even amounts they were not carrying. My deferred credit deadline was XXXX/XXXX/16 and my balance was less that XXXX and I was charged {$380.00} interest and was told that was calculated carrying the full balance even though they did n't the full 6 months. 
I understand calculating deferred interest based on what the balance would have been but on a balance they did not carry seems wrong. I would like to understand how these charges can be lawfully calculated and find out if I was overcharged. I would like my account reviewed to verify my charges are " legally calculated ''.
Product: Money transfer, virtual currency, or money service

I am trying to send money between my Capital One Account and my XXXX account. 

Capital one app says that my phone number is " Unable to Verify '' so I called the bank and they couldn't do ANYTHING about it. 

I called XXXX and they couldn't do ANYTHING about it. 


Just fix my XXXX account so I can transfer money!!!!!!!!!!!!! This is insane that you all partner with a company that is meant to make life " easier '' and I have been on the phone with XXXX, CAP ONE, & XXXX for the past 90 minutes trying to figure out how to access my funds because one of your XX/XX/XXXXcall center employees reshipped my debit card which was slated to be delivered tomorrow and NOW i have to wait til XX/XX/XXXX instead. Utter XXXX!
Product: Credit reporting or other personal consumer reports

I recently sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information being reported on my credit report. While the credit bureaus have stated that the Account Name and Account Number were properly investigated, I find this conclusion unacceptable as the Open Date, Date Last Active, and Date Last Reported are all inaccurate. This discrepancy is grounds for the removal of these accounts from my credit report.

Moreover, my rights under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) have been violated. The law explicitly states that a consumer reporting agency can not furnish an account without my written instructions. I have not provided written permission for these accounts to be reported on my credit file. 

Given these violations, I request the immediate removal of these accounts from my credit report. I expect prompt action to correct these errors and ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo refuses to remove an delinquent status on a credit card that was paid off and its more than 7 years olf
Product: Credit card or prepaid card

I opened a Relia Card when I got it in the mail, thinking it might be the only way to receive unemployment from Maine. When I figured out I was wrong, I tried to call Relia Card or by online close my card. You can't do it online, in fact, my login won't work after I set it up, and it says you have to call, but no matter how many times you do, you can't get a person on the number to do so, and the quality of that waiting call is so XXXX  you can't even understand the recorded message very well. I have no way to close this card, and it says I will be fined monthly for inactivity by the paperwork. I don't want this card at all. When the automated voice comes up, too, asking for the account, it asks for dates, which I put in correctly and it just repeats itself over and over claiming I'm entering the wrong numbers or there is no such account.
Product: Credit card

There was a credit card open in my name XXXX I didn't consent for this company to open a credit card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX ). The account was a joint account with the XXXX-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect.
Product: Credit card or prepaid card

Comenity XXXX site and phone has been down for the last 5 days. I have been trying to make a payment and call and there is no way to contact them. Hundreds of people are trying to make payments and can not. Dont want to be charged a late fee. 

They have a automatic message on the phone and on their site that says their planned maintenance is taking longer than they expected.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported bXXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$470.00}. I challenge the accuracy, compliance and report-ability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX
Product: Mortgage

If presenting there looting activity inside my property organize by those criminals is consider harassment only for make it public I wonder how will be consider ween we are going to meet those criminals and looter organizer in criminal court soon. Those criminals can understand that I have no mortgage no financial obligation and their looting was criminal illegal and fraudulent NOW lying and deceiving CFPB present even more facts that those criminal ( find guilty by the Superior Court ) the show total disrespect for CFPB We must drain this filthy face of corruption and looting organizer They foreclose criminal in top secret close door illegal and fraudulent and this is more criminal than any theorist activity and I strongly believe that this is the biggest dagger against Americans. After it they used criminal looters lying law garbage firm XXXX XXXX XXXX the worst criminal looter in the country, use those criminals to lie in courts, defraud people and if they can not intimidate some clients they organized death treats to their clients as is my case. If this is the landing and mortgage servicing organize by XXXX, and this XXXX XXXX running XXXX XXXX that we must close this criminal business permanently. I am sure those criminals refers to this as duplicate referring to their criminal activities not to what I presented. As mention to all Governors in each state in USA in in particular the State of PA, NJ and Organ I will keep informing everybody about the criminal activity inside my property for which I do not have any financial obligation, mortgage, loans or credit cards as I do not need. American people are losing their property due to criminal activity properly presented below. Also CFPB must take in consideration that in PA the ownership law was flagrant violated by Law Firms that are experts in lying even to their clients and triple charge them ( find guilty in Superior and Supreme Court ).  XXXX XXXX XXXX, Law Firm Phelan Hallinan with theirs pettifogger lawyers, XXXX, XXXX and XXXX XXXX and the looting company XXXX XXXX. They can lie, cover up abuse but I will never ever stop period until I get back my property and all stolen furniture, electronica, home decoration looted by XXXX XXXX with direct help form XXXX using looting expert law firms XXXX and Phelan, Hallinan.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear XXXX XXXX, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( XXXX  ), XXXX XXXX XXXX. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : XXXX. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; XXXX. A settlement agreement that I XXXX retain for my records. 
XXXX. XXXX compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence XXXX force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

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

In a accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXccount # XXXX XXXX account # XXXX XXXX funding account # XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A 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 without my written instructions 15 U.S.C. 1681c ( 9 ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of following items of information any other than records of convictions of crimes which ante dates the report by more than 7 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
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2020 I went into the store 's location : QC Financial Services, Inc ( LendNation ), XXXX XXXX XXXX, XXXX Louisiana XXXX, Phone| ( XXXX ) XXXX, and made a payment of {$350.00} in full and signed the receipt, but the agency claims that I did not make my payment. It is clear that an employee at the agency has taken the money and failed to follow through with the transaction. I have filed a police report with the local Police Department ( XXXX ), and will follow through with the complaint, thoroughly.
Product: Credit card or prepaid card

Purchased tv on 24 months promotion from Best Buy on XX/XX/2019 never picked up returned on XXXX XXXXOn my XXXX statement XXXX plus interest was added onto my bill.Contacted Best Buy to resolve issue the only solution they gave me was to pay XXXX for the amount of the original purchase.They said they put the return towards my regular purchases.That is not my fault as far as Im concerned thats fraud, I returned the tv there shouldnt be no interest.
Product: Mortgage

I have a Loan approved three times under Loss and Mitigation process. At the moment I'm unable to perform the closing as they are not offering any alternative to finish the process. 

After providing a Divorce Sentence, I went with the lawyers to the bank and explained that I was divorecd, the Bank request me to prepare a legal document with my ex husband and present it to the Registry of the Property locally in order for them to complete the process. After doing the document, present and registered the bank is not offering an alternative that can work for us. 

I called and wrote to them asking a resolution to my case without any response.
Product: Credit reporting or other personal consumer reports

TransUnion has blocked Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. Also there giving me fake adress The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/XXXX or write to : Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. 
You must be told if information in your file has been used against you. Anyone who uses a credit report or another typ
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding unauthorized inquiries on my credit report. I have previously sent a letter to Equifax requesting the removal of these unauthorized inquiries, citing violations of the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of the letter and my FTC report as evidence. Despite my efforts to rectify this issue directly with Equifax, I have not received a satisfactory resolution. I am seeking the CFPB 's assistance in ensuring that my consumer rights under the FCRA are upheld and that these unauthorized inquiries are promptly removed from my credit report.

This paragraph succinctly outlines the issue and your previous efforts to resolve it with the credit reporting agency before seeking the CFPB 's assistance.
Product: Money transfer, virtual currency, or money service

My PaypaXXXX account was suspended and my funds are being held for up to 180 days in contradiction with their own User Agreement. 

This happened on XXXX : The message that I got after my account was reviewed was and I quote : " We've reviewed your PayPal account again, but we're still unable to make the money in your account balance available for withdrawal at this time. 
This is because we must allow sufficient time for buyer complaints, such as chargebacks, to be opened by customers who've sent you money in the past. These can take several months to be reported and resolved and because they can result in financial loss, we need to leave money in your balance to cover any such eventuality. '' This is also the reason stated in their User Agreement. 
I insist again, for the review team to reconsider my release of funds as the above condition does not apply to my account any longer because : -There was only one person that sent money to my account and they used their Paypal balance, so there is no posibility of a card chargeback for any transaction made to my account as they did not pay with any card or bank account. 
-All transactions made to my account has been already disputed and all cases were decided in my favor so there is no longer a risk of any case or dispute being open for any of my transactions, and so the risk for a financial loss to Paypal is no longer a factor that exists. 

My funds are now being held beyond the reason for witch they were being held, again the 180 days hold is to allow for any chargeback and/or disputes to happen, but chargebacks can not happen as explained above and all possible disputes already happened and they were settled for all transactions made to my account.

The Paypal company now holds my money in contradiction with their own User Agreement.
Product: Debt collection

I have been trying to contact Capio partner for almost 1 month. I left messages on several different occasions regarding two XXXX bills I did not occur. I attempted to dispute the charges on my credit but for some reason they assume XXXX XXXX is XXXX XXXX. I havent been to the hospital for anything in years. Isnt this a violation of the hippa law to basically dump medical information on to someone elses public credit report. I did contact my family attorney and will definitely be continuing to investigate this situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The bureaus have not deleted these fraudulent items that are being reported let alone investigated anything. Also there is a bankruptcy that was filed 10 years ago that is still being reported that is past the statute of limitations. 

Please review the FTC report and information I have sent out thank you, XXXX XXXX XXXX
Product: Credit card

I called and canceled this card in XXXX. They left it open, creating an annual fee that came up as delinquent. I never activated or used that card. When I called them, they told me that I had canceled an already closed account. I explained that they had made a mistake and needed to report it to the credit bureau because I had closed the account. They told me they would send me a XXXX balance letter. Which they did. I'm reporting this because it seems like they are doing this to many of their clients.