23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had this business card probably XXXX with Capital One, since acquiring the card, I have never defaulted and my bills were paid on time when due. In XX/XX/XXXX, I went overseas for months because of the burial ceremony of my mother, before I left, I didnt incur any debt on the card, and it was a surprise when I got back and I tried to use the card, and it was declined. I called them to ask them what the problem was and I was shocked when I was told that they had closed down the account. I asked them why did they close it, but they couldnt answer my questions. I called again about XXXX minutes later and the person said that they sent me a letter in XXXX and I didnt reply it. I said, obviously I couldnt reply it, because I was overseas and they could have sent me an email, they said they did on the XXXX XXXX  XX/XX/XXXX, I checked my emails and there was no email from them. In fact, they sent me a check for XXXX on the XXXX XXXX  XXXX for capital one reward. I told them to restore it, because they did it without writing or emailing but they refused. Sincerely, I am at loss, because the closure has affected my credit score and I want to know why they did it. I want to be compensated for the loss of points on my credit score. The business card is XXXX. I hope you will use your good office to rectify this injustice. XXXX
Product: Student loan

When XXXX  XXXX  claimed to have taken over my loan from XXXX, I sent two certified letters requesting debt validation. It wasn't until I filed a CFPB claim that they responded with the requested information. During the debt verification request period, XXXX XXXX  continued calling and texting me on a regular basis to collect on the unverified loan. I explained to them what was going on and unless they were calling me with an update of the loan verification paperwork, I didn't want to speak with them. I asked them to stop calling me. After 3 or 4 months of not making payments and not having the loan verified, they reported a missed payment on my credit report. According to the protections under the FCRA, XXXX XXXX was in violation of the FCRA by contacting me to collect payment during the loan verification process and incorrectly reported missed payments on my credit report. Once the loans were verified, I paid all past due amounts and my loan is current as of XX/XX/2021 & has been since the loan was verified. I requested that XXXX XXXX correct the incorrect information on my credit report and they sent a letter saying that they do not offer courtesy credit reporting retractions & that they are not required to investigate certain disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX AUTO XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refused to delete fraudulent inquiries reporting from XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. Transunion customer service would not help and take care of the fraudulent negative inquiries reporting to my credit report.Transunion file number is XXXX.
Product: Checking or savings account

I have tried to close a money market account since XX/XX/XXXX. I would appreciate someone who can actually do something at the bank to close my money market account. I spoke with a supervisor, XXXX, on XX/XX/XXXX. I complied with his requirements to send in a letter with my request and a copy of my driver 's license. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX and she indicated the letter was received, but now I needed a notarized signature. I indicated I am XXXX with a compromised health condition and my doctor told me not to leave the house. After multiple more calls to her and XXXX and others I was told a process was set in place to prove my identity. I spoke with XXXX XXXX on Tuesday, XX/XX/XXXX, at XXXX XXXX XXXX. She provided multiple questions and sent a text to my phone to prove my identity. I called XXXX XXXX today, XX/XX/XXXX and, like everyone else she said she is passing the information onto someone else. Without the support of BBVA, I withdrew all my money from the money market account by transferring it to my XXXX account. The account is still is not closed and is showing a - {$3.00} charge. I have a XXXX credit rating with XXXX, which I do not want negatively impacted due to the incompetence of this bank. I want the money market account ending in XXXX closed and the charge removed. They have already charged me a {$15.00} fee for this money market account and tried to charge me that fee multiple times, even though the bank is unable to close my account. I also want a check sent or directly deposited in my XXXX account for my five CDs upon maturity. I have a {$2000.00} CD ending XXXX matures on XX/XX/2020, a {$25000.00} Cd ending in # XXXX that matures XX/XX/2020, a {$10000.00} CD # XXXX that matures XX/XX/2020, a {$15000.00} # XXXX maturing XX/XX/2020 and a {$5000.00} CD ending XXXX maturing XX/XX/2020. I had no problem transferring money from my XXXX to BBVA and opening accounts. This bank is making it impossible to close accounts and charging penalties while I wait. Please contact me by e-mail XXXX, text or phone XXXX XXXX XXXX. These are challenging times. Like others, I do not need any more challenges right now. I am caring for my XXXX year old wife. Thank you XXXX XXXX XXXX I am attaching the letter I had sent to the bank, which was stipulated to me by XXXX the supervisor, on XX/XX/XXXX. I also sent a copy of my driver 's license, XXXX, who I spoke to on XX/XX/XXXX indicated both were received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I misplaced or lost my Card Credit credit card. I called Care Credit and told them this, they said they would send out a new card. However, they did send a new card out but only to find out that they closed my whole account out and opened a whole new account and reported this to all of my credit bureaus. This cause my credit score to decrease. I called Synchrony Bank and explained what they did and how it effected my credit score and they told me they would fix it. Today, I received a letter stating that there was nothing they could and sometime credit scores are impacted. I have never in 30 some years had a lost card, and then have my whole account shut down and a new one opened and it then be reported to my credit bureaus. I have always just had a new card sent to me. Synchrony Bank is doing allot of things that I have never seen or done before. I really think someone needs to be looking over there work. I had a past issues with Synchrony Bank giving me line of credit, then going back and reducing it so I would have to pay an over the limit charge too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equfax has not allowed me to continue to submit disputes and has prevented accurate information and/or removal of an account that does not belong to me. 

I sent a copy of the court documents showing this was an invalid collection account and they still continue to report the information.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Late Payment {$8200.00} XXXX XXXX XXXX XXXX Charge-off {$3000.00} XXXX XXXX XXXX Charge-off {$1300.00} XXXX XXXX XXXX Charge-off {$99.00} XXXX XXXX XXXX Charge-off {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX following the security breach with Equifax I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX - 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, credit repair services, or other personal consumer reports

Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, Experion and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, experian and so. 

Regards, XXXX XXXX
Product: Debt collection

I received s Subpoena from a debt collector : XXXX XXXX XXXX to appear on XXXX XXXX, XXXX for a deposition The Subpoena regards a debt that is 10 years old and for which I have gone to court at least one time before 3 years ago. The Writ states that I must " continue in witness from day to day unless.discharged by me ''.
This debt is 19 years old and has been placed on my credit report under several different company names on several occasions for the full 7 years requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX 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 instructions
Product: Mortgage

Mr. Cooper will not release our insurance check that we were required to sign over to them so that we can make the repairs necessary to our home. They continue to ask for the same documents over and over and state each time that the check will be five to seven business days and must stay in escrow for five days to clear. We were hit by a tornado and do not have most of our roof and continue to get more damage.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$22000.00} XXXX  XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Previous complaints have been settled with my mortgage company ( Ditech ) They canceled the {$210.00} additional forced flood insurance policy after realizing I had already taken care of the additional coverage they requested with my own flood insurance company ( XXXX XXXX XXXX XXXX ). They did say my escrow account has a shortage of around 70 something dollars and in the past they have given me the option of paying it and I do that in order to keep my monthly payments from going way up. Thanks for your time and help because it seemed no one was listening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out a letter to XXXX XXXX  XXXX XXXX to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX  XX/XX/XXXX The Congress has also stated that you EQUIFAX are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.
Product: Mortgage

On XXXX the loan company Lakeview Loan Servicing , LLC paid taxes incorrectly in the amount of {$8400.00} when the taxes were actually approximately {$1800.00}. Based on this mistake by the company, they recalculated and raised the payment by {$600.00} per month which we do not owe and can not afford. They started robo calling and calling and sending letters every day. We called and e-mailed but they keep saying that {$1600.00} is owed every month when the payment was only {$1000.00} and it is their mistake. They have not redone their escrow analysis based on their mistake. We did have a check written on a closed checking account by accident and wrote a new one when we became aware of the mistake.The original check written on the wrong account was in XXXX and paid with the XX/XX/XXXX payment. XXXX for payment and {$500.00} for the check written on the wrong account. Lake View has been applying the payments of {$1000.00} to the previous payments with the extra escrow amount. So, we have paid all that should be due and Lake View is not working with us to correct the issue that they created. Five months later, we have received another letter threatening our credit and now saying they will not accept anything but the full amount. Please assist us with this problem. I XXXX XXXX XXXX over the road and this has created an enormous amount of stress for me and my family on top of the Coronavirus stress and XXXX  of my youngest child in XXXX during this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/2023 n accordance with the Fair Credit Reporting act 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. 

XXXX XXXX, XX/XX/2023 -In accordance with the Fair Credit Reporting act 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. 




XXXX XXXX - In accordance with the Fair Credit Reporting act 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. 



XXXX XXXX XX/XX/2023 -In accordance with the Fair Credit Reporting act 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. 


XXXX XXXX  XX/XX/2023 - In accordance with the Fair Credit Reporting act 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