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

In accordance with the fair credit reporting act this creditor has violated my rights under Section 15USC1681 602 States I have the right to privacy 15USC1681 Section 604 A Section 2 it also states an 15USC1681 consumer reporting agency can not furnish an account without my written instructions Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. Please Update these accounts to Current and remove any late reporting 's that you have furnished please as it is a violation of my rights. 

Account Name 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 or prepaid card

Best Buy issuer, Citi, has not processed my request to obtain a copy of the Card Members Agreement to formally dispute an Adverse Action taken against my Open Credit Line. The bank has misled me with their processes which have led to the not fulfillment of the CMA. Attached is evidence of the above mentioned.
Product: Credit card

I had a {$190.00} credit on my account so when the membership fee came due they automatically took it out of my account without ever letting me see the billing first. I had intended to close the account when this {$99.00} fee came due and ask for my full {$190.00} credit to be credited to me. This is a lot of money. I have called repeatedly on Tuesday, XX/XX/XXXX, regarding this issue but have been put on hold indefinitely with no one ever picking up or calling back. The billing period had ended on XX/XX/XXXX and I received the bill by mail a few days after - I had been away on a trip through XX/XX/XXXX - so the XXXX was my first viewing of this billing. 

I never authorized them to take the fee from my existing credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that Capital one auto finance reported my account delinquent. I called and confirmed that my account was not delinquent with XXXX ( agent ID XXXX  ) XXXX also confirmed that they do not report accounts until the end of the month ( XXXX ). This prompted me to contact the bureaus. XXXX XXXX confirmed that indeed capital one sent over partial information electronically that indicates that my account was delinquent and urged me to work with capitol one to resolve this issue. 

I contacted capital one today XX/XX/XXXX and was hung up on 3 times finally after an hour of holding and being hung up on I spoke with XXXX ( agent Id XXXX ) resolution specialist. She would not let me speak with a manager and advised me that i would have to start a dispute process and wait for a call back when a superior was available. She confirmed that negative reporting does not occur until the end of the month and that this error will take time for Capital one to correct. 

I am aware of my rights under the fair credit reporting act. This error has devastated my credit score and I am seeking resolution to this error. I am also seeking monetary damages for each instance as my credit worthiness has been damaged because of this mistake. My account is not 30 days late and never has been this error could jeapordize a much needed home loan that I am in the process of.
Product: Credit reporting

XXXX place a collection account on my experian credit report this collection account is identity theft my police report number is XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I received a solicitation to apply for a pre-approved loan. I applied thinking it was an unsecured line of credit or a loan period. However, I was approved for a payday loan not a loan like I thought. I then received a credit alert from XXXX stated I had a new credit inquiry by this company. I called the company and they stated they do not extend payday loans without creating an inquiry on your credit report. I was upset because I did not signed anything or initialed a disclosure stated that I gave permission for the credit inquiry or anything similar. Nonetheless, I accepted the payday loan and have pay on it according to the terms. Fast forward at the beginning of this month, I received an invitation to access additional funds. Mind you I have a pay day loan already through them, so I assumed no credit inquiry was going to be made and again I was not clearly or specifically asked for my authorization to make an inquiry on my credit. Hence my dispute. I like to have both inquiries deleted, the XXXX from XX/XX/XXXX and XX/XX/XXXX. Both are a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXXt # XXXX bal. {$47.00}. Inquiries : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

American Express XXXX XXXX card. They have decided to hike the fees from {$99.00} to {$250.00} overnight. American Express is also refusing to refund the card fees prorated. Prior they were pro rating card fees once cancelled. Now they are not honoring the fees refund.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name :XX/XX/XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name :XX/XX/XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I logged into Transunion about a month ago as of XX/XX/2024 to put a freeze on my account after receiving information from XXXX XXXX XXXX that my XXXX had been in the breach. I went online several time all to get an error message that says " Sorry, were having trouble showing the status of your credit freeze right now '' so i got on a call with someone and she said that she placed the freeze on it back in XX/XX/2024 i am about to move so needed to remove the freezes from my account to apply for the new house. When i went only of course i got the same message above. I got on a chat with someone and she said i did not have a freeze on my account. So the initial freeze was never done. I am on the website again today as of XX/XX/2024 and there is still this same message, so now i have to call/chat again to see if the freeze even took from the last time.
Product: Checking or savings account

I have a series of disputes on file with XXXX XXXX XXXX Bank. My bank account was drained into the negative by fraud. I have sent messages, called, cried, begged, nothing works. Because XXXX XXXX XXXX does not have a setting for fraud on their reasons to dispute, they ae telling me that they will be keeping my money for a period of time, 45-180 days to investigate. I am completely broke, homeless and starving due to this fraud. I no longer have a job, I have no funds to make it to interview appointments, I have no car to get around I have no home to speak of which is getting to be too much for my son, who injured himself at work and still needs physical therapy, and his cat. I am the victim of wire fraud. My account has been drained and all they say at the bank is sorry, you have to wait,
Product: Checking or savings account

My direct deposit was release from XXXX Thursday XX/XX/year> into my checking account. as of XX/XX/year> it is not posted and I have no way to access funds. Capital One has sent one email late Friday evening saying they was a problem with a third party and I have received no other updates or XXXX on when the funds will be posted. This is a holiday weekend. I have no money and the bills that I have on auto pay will be coming out cause a further disruption. A company that can't update without copy and paste is absurd. This has cause me to not be able to feed my family because I live paycheck to paycheck.
Product: Mortgage

I had to file chapter XXXX because of a accident. after four years of paying on it. I received a order deeming the mortgage current as of XX/XX/XXXX. I have made all payments from XXXX in full and on time. until XX/XX/XXXX when they advised I was 5 months behind on my payments. I have sent all the information to Ocwen XXXX times proving all of the payments were made by the trustee and myself.. they still advise I am behind and are threating to foreclose they returned my XXXX payment I have contacted a attorney they advise I file a complaint the you first.
Product: Credit reporting or other personal consumer reports

These inquiries on my report are fraudulent. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

We thought we filed bankruptcy on the 2nd loan which at the time was {$75000.00}. The mortgage company Franklin Credit Management never contacted us again. This past XX/XX/2021 they sent a certified letter stating we owed {$180000.00}. We tried to reason with them but they a very predatory company. We were just told today XX/XX/2021 that we could get a loan modification at 8 % with a down payment of {$22000.00}. We do not have {$22000.00}. My husband was in the hospital with XXXX. We had a loss of income and have had a horrible time in the last 18monts. The loan is 12 yrs old this timing could not be worse. I offered Franklin Credit Management {$10000.00} ( which we will get from family helping us ) and asked them re-calculate the payment. I ' am awaiting an answer. 

Please can you help us in any way stay in our home? Please. 

XXXX XXXX
Product: Credit card or prepaid card

With the Professional Help Of Consumer Financial Protection Bureau, I was able to obtain my refund of {$600.00} back from XXXX XXXX at Care Credit/Synchrony Bank on XXXX XXXX.2017, case # XXXX.I was dumbfounded when I went to check my Care credit account and see I was charged back the {$600.00} back to my account, Unbelievable!!? Once again I need CFPB help to close this nightmare situation once and for all.
Product: Credit card

I am having an issue still receiving pre-approved offers of credit cards and loans from Discover card. I want Discover Card to send me pre-approved offers via XXXX XXXX, USPS Mail or email. I am ready to have a responsible and great banking relationship with Discover Financial Services. Full Name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

To whom it concern, I am writing to formally dispute these fraudulent accounts that are reparation to my credit reports. These accounts are not mine and have been opened without my consent. The accounts include XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please delete the above named accounts from the TransUnion, XXXX, and XXXX. 

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

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life. I have attached just a few of the letters that I have been sending but there are more that have went unanswered.
Product: Credit reporting or other personal consumer reports

According to XXXX All Transactions which includes late payments and all experiences which includes utilization needs to be removed from all credit reporting agencies. This includes late payments because thats a transaction. And experiences include amount of usage I have used. Such as % of credit used. 
Also I demand to Remove any 3rd party debt collections. They obtained my information unlawfully. Also, I demand any older reporting to be removed.
Product: Debt collection

PHH Mortgage Corporation ( " PHH '' ) has yet to provide me with a monthly mortgage statement for the payment declared due as of XX/XX/XXXX as required by law, 12 CFR 1026.41 et seq..

Recently, I received from PHH a statement dated XX/XX/XXXX that states that I failed to make a payment towards the subject account since XXXX and that said account has been in default as of XXXX XXXX. A true and correct copy of the XX/XX/XXXX statement from PHH is enclosed hereto as Exhibit A.

I have repeatedly complained to this agency, and repeatedly complained to PHH as the predecessor to Ocwen Loan Servicing LLC ( " Ocwen '' ) with the latter being the predecessor to Litton Loan Servicing LP ( " Litton '' )  that the accounting history reflected within said statements is false because : ( 1 ) Litton accelerated my mortgage loan upon commencing the first of two foreclosure actions in the Superior Court of New Jersey on XX/XX/XXXX by complaint filed under Docket No. : XXXX declaring a default as of XX/XX/XXXX, a true and correct copy of said complaint is enclosed hereto as Exhibit B ; ( XXXX ) PHH, Ocwen, Litton and their respective agents are concealing ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Ocwens / PHHs predecessor Litton starting with the payments  demanded for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX towards a trial modification, followed by payments made thereafter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( See Exhibit C enclosed hereto ), without Ocwens / PHHs predecessor Litton crediting said payments to the subject account ; ( 3 ) PHH, Ocwen, Litton and their respective agents are concealing three ( 3 ) checks totaling  {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by Ocwens / PHHs predecessor Litton ( See Exhibit D enclosed hereto ) without any legitimate reasons or explanation.

Furthermore, PHH and / or its agents are willfully failing to  acknowledge and / or respond to my most recent qualified written request and debt validation letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were made pursuant to 12 U.S.C. 2605 ( e ) & 15 U.S.C. 1601 et seq. and 15 U.S.C. 1962 ( g ).

The conduct complained of herein displays continued engagement by PHH and Ocwen in unfair, deceptive and unlawful practices in  violation of the XX/XX/XXXX consent judgment entered in in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, LLC, et al. ( Case No. XXXX ) and the consent judgment entered on XX/XX/XXXX in The State of Alabama, State of New Jersey , et al. v. PHH Mortgage Corporation ( Case No. XXXX ).
Product: Debt collection

I've received multiple calls from Penn Credit Corp about a debt collection. When I asked where the collection was from they refused to tell me because I " gave them the wrong address '', I live in XXXX XXXX Florida but the address the debt collector gave to was in XXXX Florida. As I previously stated I've received multiple calls from Penn credit harassing me at early in the morning and also while I am at work. I am XXXX  months pregnant this harassment has caused me a considerable amount of stress, especially when I am unaware the debt they are calling to collect with no clarifications as to whom their collecting on behalf of.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX