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

On XX/XX/2019.A Capitol One account was open in my name.In the month of XX/XX/XXXX I notice that Capitol One was not reporting payments made, credit usage and credit information to the three credit bureaus. 
I contacted Capitol One requesting them two weeks ago to please update my payments and credit usuages on Time to the three bureaus.I even sent out a certified mail towards Capitol One P.O. Box disputing department center as requested by agent.Havent seen nothing change.I call capitol one keep saying its reporting to all three credit bureaus, when I call all three credit bureaus.The credit agencies saying they see no file or credit date open. 
Now today XX/XX/2019 my XXXX score of XXXX went down to XXXX.Becuase Capitol reported inccorrect information to XXXX.
Product: Debt collection

The information being reported by Chex Systems XXXX and XXXX XXXX XXXX isn't true.XXXX XXXXf XXXX said it was fraud that is a lie.It wasn't fraud and I am requesting that both XXXX and XXXX XXXX XXXX please deleted from my report .The info is incorrect and not accurate at all.
Product: Credit card or prepaid card

During my flight home from XXXX to XXXX on Spirit Airlines XX/XX/19, I applied for their credit card. I gave all my information .... Name, address, SS. I have not got a response about the offer in any way good or bad. I have excellent credit and now fear my information may have been stolen. I sent an email to Spirit and did receive acknowledgement and that they would look into the problem. That was over a week ago and still nothing has come back. Please help.
Product: Debt collection

I have already contacted this company on different occasions and they insist that I have an alleged debt with them. 

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Where is the proof of the transaction that creates this alleged obligation to you? 

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them. 

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. 
COMPANY NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX Date Opened XX/XX/2023 Responsibility Individual Account Loan Type XXXX XXXX Last Payment Amount {$0.00} Original Amount {$3900.00} Original Creditor XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I contacted Experian in regards to challenge letters I sent in to them via certified mail. The letters were delivered on XX/XX/2022 with no disputes opened. This has been an ongoing issue with Experian. I have mailed them multiple this year alone over the course of a couple months. Every time I have contacted them, I have been given the same answer. I have requested to speak with a supervisor on multiple occasions. I am always told one is unavailable. They take my number and state to expect a returned call. I have not once received a call back. On one occasion, they connected me to a supervisor, who provided no assistance to the situation and also stated the letters are not there. My primary email is XXXX However the CFPB website would not allow me to submit an additional dispute with that email since I have previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX, AND EQUIFAX on XX/XX/2022 and XX/XX/2022 and its been well over 30 days and I still haven't received anything stating why these collection aren't removed. According to 15 USC 1681 I ( A ) ( I ) ( A ) XXXX, XXXX, AND EQUIFAX have 30 days to respond to my dispute this is a VIOLATION of my rights
Product: Credit reporting or other personal consumer reports

This is not my account this account had been removed from my credit and was readded by the investigator. None noticed me It was just replaced I had insurance with XXXX and XXXX and XXXX XXXX XXXX I moved out of state. This isn't my account
Product: Mortgage

Since XX/XX/2022 Ive been dealing with a very irregular experience regarding getting my home refinanced with Nationwide Mortgage Bankers inc. From what I researched about refinancing a home this process has been taking way longer than it should. I was told back in XXXX that this would be a very simple refinance since my payments are always on time but then a month later, I was told that I didnt have enough income. Due to this, my dad agreed to co-borrow his credit since his credit is good and has his home entirely paid for. So once again I was told this process would be simple and smooth. All of the paperwork I was told was needed was emailed to the same gentleman, XXXX, every week. Yet every time he would tell me a different excuse which included him being busy with his girlfriends birthday, a car accident, and helping his mother. The last thing I was told by him was that he was relocating to Florida and that a new gentleman, XXXX, would be taking over my case. I was told by XXXX that this case transferring would not interfere with my process. I continued to attempt to call and text XXXX after this but received no reply. 

After XXXX took over the refinance all of the paperwork that was already sent to XXXX had to be resent to XXXX. XXXX was apologetic as this wasnt really his fault. I was then told that since my case was coming to a close, I wouldnt have to pay my mortgage for 2 months. I did as I was told, and my XXXX payment ended up being late due to the false information I was given. Im still being told that my refinance is pending all paperwork, but this has been going on for months. 

XXXX recently called and texted me saying he was in the hospital for three weeks and said he heard I was upset so he sent several text messages claiming that hed check back on my refinance. He sent these text messages because I had told his coworker previously that I was seriously considering speaking to management and was told that he ( XXXX XXXX was management. I have several text messages saved of his unprofessionalism. XX/XX/XXXX was the first time I got a different person on the phone who then told me who the actual management was. She, XXXX, told me she would send their management a message and include XXXX, XXXX, and me to the email. Once the email was sent, I kept receiving very unprofessional text messages from XXXX that I have no problem sending if you would like. 

Nationwide Mortgage Bankers at large has been incredibly unprofessional through this experience and this process, namely the text messages that I received from XXXX, made me extremely uncomfortable and disheartened. I hope that this can be rectified in the very near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following was sent to XXXX and they did not address the issues listed in their response to my request : Dear Sir/Madam : I am writing once again to make you aware of a variety of errors that have impacted my ability to secure credit, in addition to the pain and anguish these errors have had on my emotional well-being. 

As of XX/XX/XXXX, the following errors and omissions from XXXX have had a negative effect on my credit profile : 1.  The report shows that I have recently missed a payment or had a derogatory indicator reported. I have had neither. I am requesting proof of this including the reporting furnisher of this derogatory report. 
2. The report shows that I have few accounts that are in good standing. All of my current accounts are in good standing. All of my credit cards are paid in full each month and both my mortgage and auto payments are paid on time and in full. 
3. The report claims I have a short credit history. This is not accurate since my XXXX  XXXX XXXX credit card account ending in XXXX was established in XX/XX/XXXX and most of my credit cards many years in age. 
4. The report claims I have too many credit accounts with balances. This is not accurate as I do not carry credit card balances on any of the credit cards or credit lines - all paid in full monthly. The only balances carried are my mortgage and auto loan balance. 

I am requesting one final time for XXXX to correct this error. If necessary, I look forward to proving the above in small claims court. 

I have enclosed a copy of my license, a utility bill, a copy of the credit report showing the errors.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681a ( d ) ( 2 ) ( i ) Exclusion of consumer report is any report containing information solely as to transactions or experiences between the consumer and the person making the report ; unless its a report subject to section 1681s3 of the the FCRA, any account that is reporting transactions and experiences ( age of account ) ( type of account ) ( payment history ) should be excluded from my consumer report as such information is private information and not a consumer report and will only be a consumer report if it shared to affiliates the following accounts must be deleted in order to be in compliance and accordance with the FCRA Account names and Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, Experian, & XXXX continue to violate federal consumer protection laws set in place to govern these companies. I did not give permission for either consumer agency to provide me with the service they provide. Therefore gathering my allege financial history with XXXXXXXX XXXX and incorrectly claiming they have verified the information is a violation of my rights. If you have done a reasonable investigation then you should be able to provide me with proof that you did see documents or talk to someone with first hand knowledge to attest to this information you are reporting. Either way I do not give you authority to report this account and you should not have access to it as its private and releasing it in such a public manner puts me at risk of data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # 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: Credit reporting or other personal consumer reports

XXXX XXXX, Social security number : ( XXXX ), Date of birth XXXX XXXX XXXX XXXXXX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services LLC 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 consist of a closed personal credit card opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ). This account has resulted in a negative fraudulent account appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account are the result of identity theft an fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of Identity theft and fraud.

I have filed this CFPB complaint again due to Equifax Information Services LLC stating the account is under reinvestigation due to prior FTC report being invalid due to not having full account number which i have provided in this statement.
Product: Money transfer, virtual currency, or money service

as of today, XX/XX/2021 at XXXX, my cashapp account was hacked and someone was taking money out of my bank card and putting it into cashapp. they took {$60.00} out of my card into cashapp and tried to send money to other people. they reset my cash pin, phone number, and email so that i would not be able to do anything. the person who was in my account used their email which is XXXX. after this occurred, i changed my cash pin on both my cashapp and my bank card and have blocked any transactions or requests.
Product: Debt collection

EASTERN ACCOUNT SYSTEM has been sending me collection notices in the amount of {$240.00} XX/XX/2021 The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.
Product: Debt collection

This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud XXXX XXXX XXXX XXXX and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False XXXX XXXX, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices XXXX XXXX XXXX. Please deleted account from your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the inquiries on my report but unfortunately, the company hasn't taken action about it or ignored the dispute, The first time was on XX/XX/2022 so this is my second time and I filed a complaint to FTC about these errors to prove that these are things that I have no knowledge of. These inquiries are being investigated by FTC so these inquiries must be deleted until their investigation is done.
Product: Checking or savings account

On XX/XX/2024, my account was inexplicably closed amid a severe weather event, leaving me without access to incoming funds and jeopardizing my ability to purchase essentials. Despite multiple attempts to contact customer service, I was simply directed to visit a branch, which was not feasible due to the weather conditions and a three-day weekend. I also work during banking hours. There was no reason for the closure. It had never been negative, followed all guidelines, and in good standing. It still shows as active and open online and visible to banks as such. 

Upon reviewing my transactions, I found no overdrafts or irregularities, no negative balance at any point, and my account still displayed an available balance. Subsequent attempts to resolve the matter have been met with inadequate support and dismissive responses. Notably, my third attempt involved a complaint to the XXXX XXXX XXXX, resulting in no substantive response and the complaint remains unresolved. My account still appears open in online banking with an available balance that is available immediately for withdrawal and an active debit card. The balance has changed from {$80.00} to {$38.00} with no explanation of balance discrepancies. 

My most recent interaction with XXXX via the customer service chat promised a transfer of funds to my new account, which has yet to materialize after six days. Despite providing new bank account information for a transfer, it remains held by East West, still with no communication or documentation to justify taking and holding my money, exacerbating the situation. 

Additionally, due to my closed account still listed as open in online banking, it has blocked my ability to set up XXXX with my new bank due to my contact information still unfortunately tied to this bank. I attempted three times to request removal of XXXX information and XXXX customer service claims this has not been done.
Product: Credit reporting or other personal consumer reports

I'm reaching out to formally dispute several unauthorized, inaccurate and fraudulent credit inquiries that continue to appear on my credit report. These inquiries were made without my consent and are fraudulent. Despite my previous efforts to resolve this issue, they remain on my report, which is both frustrating and concerning.
Product: Debt collection

I have disputed this account attached below in the last 30 days. TransUnion have failed to comply to my dispute within the timeframe under certain laws. I demand this account be deleted from my credit report. I have also filed a XXXX XXXX XXXX XXXX & state attorney general complaint regarding this matter. 

Please see attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit card or prepaid card

MAJOR SAFETY AND PRIVACY FLAW FOR CREDIT CARDS IF USING ONLINE BANKING THROUGH BMO!!! BMO Harris allows the option to update settings ( including address ) to your account online. Under that account is housed both debit and credit cards. Despite being able to update statement preferences ( paperless, etc. ), for BOTH debit and credit cards under the account, you CAN NOT update addresses to credit cards online. That would be fine EXCEPT this is not indicated ANYWHERE and not even a lot of employees know this ( and it is misleading that you can change other preferences regarding the credit card statements ). In XXXX or XXXX of XXXX, I updated my account address online ( not under the specific debit or credit card, but the whole thing ). My debit card address updated but my credit card did not. This means that my credit card statement was sent to an prior address for the person there to read what I bought and where I bought it, and had other private information in my statement. On XX/XX/XXXX I found out about this problem and contacted BMO Harris, where I spoke to 3 separate employees. The first two staff members at BMO had no idea why this was happening to me, and told me that it was all fixed in their system ( they looked up my account via my SSN, not debit number or anything, so you would think my credit card would also appear. ) Not a single staff member had any sympathy for the fact that they sent my personal, private information to someone else. At first, I was just told that that " Well why don't you just try going paperless online, since you aren't getting them sent to you anyway. '' since they didn't know what to do ( the only reason I was not getting them anyway was because they were sending them to the wrong person -- a place that I left and moved far from! ) It took several transfers for someone to know that credit cards were not updated online. How on Earth is a customer supposed to know this until it is too late and their privacy has already been violated and safety potentially compromised. Again, not a single person had any care about this, and without actions greater than calling customer service, BMO will not be changing their online system to include a disclaimer because they simply do not care about consumers ' privacy, or even safety. I strongly hope that change is made, because including a simple statement that credit card addresses are not updated ( while other preferences for statements are ) would be very easy to do, would solve the problem entirely, and would protect consumers ' privacy and safety. As is, BMO is causing potentially dangerous/abusive situations to be enflamed by incorrectly sending personal information on purchases ( which often indicates a person 's new location ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge