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

I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection was passed to Hunter Warfield from an apartment management company. Management company alleges I have unpaid fees- however I satisfactorily met all requirements in lease agreement. Disputing that I owe any funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 card

In XXXX, 2015, I applied for a credit card at Lord & Taylor in New York. I was denied credit. This was highly embarrassing to me, since I have always had an outstanding credit rating. The formal rejection letter from Capital One said I could obtain my XXXX credit report, which I then ordered. That credit report did not show any debt ( our mortgage is paid off and I am retired ) and indicated that all credit cards are being paid monthly per terms. I wrote Capital One twice and copied their President, XXXX XXXX XXXX, after no response to my first letter. His office contacted me via phone but they were unable to provide any evidence of debt I have or even explain why my credit application was denied. Thus I am asking for CFPB to assist me. I obviously do not want a credit card from Capital One ( I used an XXXX XXXX card for the Lord & Taylor purchase ), but I do not want a credit denial lodged on my credit record, particularly since I am retired. ( I do have assets but not income from a job. ) I may want to get other credit cards in the future and this inappropriate denial of credit may prevent that. I asked Capital One to lift the credit denial against me since there was no justification but they have not done so nor have they provided any rationale for the credit denial. I have been highly dissatisfied with this experience and Capital One ( which continues to send me unsolicited offers for credit cards despite my having a " do not solicit '' request formally filed ). Thank you very much for your help.
Product: Student loan

I refinanced my Wells Fargo Student loans through XX/XX/XXXX I linked XX/XX/XXXX directly to Wells Fargo when submitting the application. My application went through and my loan was refinanced. I now am paying off my loan in XX/XX/XXXX. I open my Wells Fargo account to find out that there is still a $ XXXX balance on my Account with them. I contact XX/XX/XXXXto figure out why they didnt pay Wells Fargo the full amount of my loan, they double check with their servicer and tell me they paid off the full amount that Wells Fargo provided for them. So I contact Wells Fargo and ask them why they gave incorrect pay-off information toXX/XX/XXXX The person I talked to was utterly useless, claimed they theyve never been contacted by XXXX at all despite the fact that XXXX paid $ XXXX of the rest of my loan with them.
Product: Credit reporting or other personal consumer reports

THIS LATE PAYMENT ASSESSED ON XX/XX/2024 IS FALSE. I EXTENDED MY LEASE AND MY AUTOPAY WAS CANCELLED WITHOUT ME KNOWING. AS A RESULT, I WAS CHARGED A LATE PAYMENT THAT I DID NOT HAVE THE INTENT TO DO. I WAS ALWAYS ON AUTOPAY AND ALWAYS HAD FULL INTENTIONS TO PAY MY MONTHLY OBLIGATION. I WAS REFUNDED THE MONETARY LATE FEE BUT THE CREDIT REPORTING IS MOST IMPORTANT TO ME. PLEASE REMOVE THE LATE PAYMENT AS A COURTESY AS I WAS NEVER MADE AWARE OF AUTO PAY CANCELLATION.
Product: Bank account or service

Key Bank, which is buying XXXX, has told me they will soon be charging me for use of my overdraft account, which, while I was with XXXX, and, before that, when I was with XXXX, cost me nothing. Now they tell me overdrafts may cost me as much as {$100.00} a cycle! This is unfair for me and all others who are powerless against this huge bank to protect a valuable personal asset, which, in my case, is {$10000.00}. of overdraft credit which has heretofore for many years, been free.
Product: Debt collection

this message is for bank of america and XXXX and XXXX. XXXX and XXXX is the lawfirm for bank of america debt collection. i fell behind on my bank of america credit card payments so they had XXXX and XXXX take the payments instead. XXXX and XXXX declined to take debit card payments and insisted they do it from my XXXX XXXX XXXX XXXX checking account using the checking account and routing number. so i agreed. i recently tried to do a stop payment because i did not have the XXXX dollars they were going to be pulling out for XX/XX/XXXX XXXX i called my bank, XXXX XXXX XXXX XXXX XXXX do a stop payment. they informed me that they couldnt because XXXX and XXXX, being deceptive, was doing ach debit payments and converting them to checks making it impossible for my bank to do stop payments. i did not know this until a XXXX XXXX XXXX XXXX representative informed me of this. she said that is kind of deceptive. so she advised that i get a new checking account which i am doing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this personal statement to address the issue of bankruptcies that are currently listed on my credit report. It has come to my attention that these bankruptcies are inaccurately reported and have a significant impact on my creditworthiness. I firmly believe that these bankruptcies should be removed from my credit report as they do not reflect my current financial situation or creditworthiness.
Product: Vehicle loan or lease

I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire XXXX timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX  XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of XXXX violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me arrested and committed for a mental evaluation versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and XXXX responded over a XXXX period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Mortgage

Incorrectly estimating escrow. 

The Bank of America back office starting XX/XX/2020 doubled my monthly escrow account.

The explanation provided was ambiguous.

Too mathematically did not add up.

There is a Class Action Lawsuit out of North Carolina filed regarding Bank of America back office incentives to employees in handling these escrow accounts.

Somebody needs to look into how And why Bank of America is maNipulating the numbers in these escrow accounts.

If taxes and insurance did not increase significantly theres no rational reason for a monthly escrow to double.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXXXXXX XXXX XXXX account # 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 an account without my written instructions.
Product: Debt collection

Portfolio Recovery is attempting to collect a debt that is over 4 years old and should be removed from my credit report. In the state of Texas they have to remove it after 4 years and it has been over that. This company is shady and does illegal things like calling me well before XXXX. They are constantly harassing me for a debt they CAN NOT collect and are damaging my credit and effecting my life.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw inquiries i didn't authorized. i have never give my personal information to these creditors. I dispute these inquiries. I did not authorize them.
Product: Vehicle loan or lease

Good afternoon, what happens is that yesterday XX/XX/XXXX I went to the dealer called Wheels of Chicago and there is buy a car XXXX XXXX XXXX valued at XXXX dollars and it is damaged
Product: Mortgage

Mortgage companies were able to access my info when a hard inquiry was pulled from my credit. Rocket mortgage was the absolute worst in customer service, they not only called me repeatedly, but they asked my lender for a payoff amount that I never gave them permission to pursue. I told them specifically I did not want to refinance my great rate, and I only wanted to apply for a HELOC. They specifically went against what I asked and contacted my Lender anyways. There should be laws against this. It's completely unprofessional the way they communicate and how they speak on the phone to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being that have rights under 15 US 1681. Equifax is governed by the laws set therein 15 USC section 1681 by which Equifax violated. My rights of protection set forth by this code in accordance to the FCRA, has been violated numerous times. I demand the accounts listed below be removed in order to show my true credit history. I make this request pursuant to 15 USC SECTION 1681 as I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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 US DEPT . OF EDUCATION US DEPT. OF EDUCATION US DEPT. OF EDUCATION US DEPT. OF EDUCATION US DEPT. OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- Disputed XXXX incorrect last date of activity of XX/XX/XXXX with 3 credit bureaus Last date of activity was XXXX/XXXX  XXXX. There is no way it could have been any later than this, because I was XXXX XX/XX/XXXX-XX/XX/XXXXOn or about XXXX- responses from credit bureaus did not have any information about how they concluded the information was correct. 

XX/XX/XXXX, XXXX- Contacted XXXX to address the error. 
They confirmed there was a credit of {$2.00} which was given on their part, but the rep could not explain what this was for. However, it was not a payment on my part. 

XX/XX/XXXX- XXXX Last date of activity XX/XX/XXXX. 

Therefore, both XXXX and Credit bureaus are in violation of Fair Credit Reporting. Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year> 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second dispute attempt to have these miscellaneous accounts removed from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. I intend to pursue litigation in accordance with the FCRA, to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 ; if the UNVERIFIED items listed below are not deleted immediately. Please remove the following accounts : USBK COURT XXXX OHIO Docket # 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 These accounts are not accurate.
Product: Credit reporting or other personal consumer reports

I have been trying to obtain my credit score along with a detailed copy of my credit report for about 6 months. I have tried numerous forms of communication with Experian to handle this issue but nothing has changed. First I was told for security purposes they couldnt update or provide me any information so I completed the recommended steps and nothing happened. Upon calling back with the same issue I was then told they couldnt update or provide me any information because there was a freeze on my account. I proceeded to unfreeze my account and was given a reference number XXXX and was told the freeze was removed. And still to this day XX/XX/2024 I am still unable to review my current credit score or report with Experian.
Product: Checking or savings account

I tried to close my Citibank checking and savings account on XXXX. I spent XXXX hours on hold and had to talk to multiple people and they made it practically impossible to close my account. The process was extremely confusing, had friction at every step, and I was constantly out on hold. It seemed that they wanted to find a way to keep the account live by making the process impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well basically, I have 6 hard inquiries on Equifax which 2 of them I know about but then the 4 that I don't know showed up on my credit report. I didn't try to open any new credit cards that they mentioned so that there is false -INQUIRIES DETAILS- the 4 false credit card is XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX ^ XXXX XXXX XXXX , XXXX Again inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  inquiry from XX/XX/XXXX Plus I have 1 Derogatory mark Collections- which I never opened an account with them its called XXXX XXXX XXXX for the amount of $ XXXX original Creditor : XXXX which was open on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - And on XXXX, I have 4 hard inquiries which are -XXXX/XXXX- inquiry from XX/XX/XXXX -Institution Information- XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX Information- XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX -Institution Information- XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX -Institution Information- XXXX XXXX  XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Checking or savings account

I am filing this complaint regarding a delayed payroll payment that was due to me on XX/XX/year>, in the amount of {$1300.00}. Due to an ongoing issue with Capital One Bank, which my employer uses for payroll, I was informed that the deposit would be available on the evening of XX/XX/year>. However, as of today, XX/XX/year>, at XXXXXXXX XXXX XXXX, I have still not received my paycheck. 

I have been told that the payroll was submitted to Capital One last week and that Capital One subsequently sent it to the Federal Reserve for ACH processing. Despite this, I have contacted both of my bank accounts, and neither shows any record of an ACH deposit coming from Capital One.

While I understand that system issues can occur, I believe this situation violates the Electronic Funds Transfer Act ( EFTA ), which mandates timely access to funds. This delay has caused significant hardship, and I request a full investigation into this matter. 

Thank you for your attention to this issue. I look forward to your prompt response and resolution.
Product: Credit card

Around the end of XXXX, 2016, I received a Chase ( Amazon Rewards ) credit card with a {$9000.00} limit. I did not order nor apply for this credit card. I contacted Chase to find out what was going on. They told me they knew about it and had received other cards. The woman at Chase gave me XXXX credit alert line. She said she would cancel the card. I was not told who applied for the card. I was given NO information at all. She also mentioned that they may have applied for more than one card in my name. To date, I have not heard from Chase except to receive in the mail a notice of their privacy practices
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Late Payment Law Letter finance charge XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


As a consumer by law, these accounts on this letter must be updated or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, in which violates Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have calm significant inconvenience and financial loss, and I seek appropriate redress for these violations.