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

I am the consumer, natural person, and original creditor. Equifax/The Work Number shared my nonpublic personal information with XXXX XXXX  XXXX XXXX XXXX without my written instruction therefore causing me to be denied XXXX benefits. Pursuant to 15 USC, 1681b, Equifax violated had no permissible purpose to provide XXXX XXXXt XXXX XXXX XXXX with my nonpublic personal information. Pursuant to 15 USC 1681n, Equifax/XXXX XXXX XXXX willfully failed to comply with 15 USC 1681b which requires it receive written instruction from the consumer before furnishing my consumer report to third parties.
Product: Credit card or prepaid card

I called Capital One Bank to report my Capital One Bank credit card lost/stolen. Capital One Bank sent me a new card with a new account number, but I am not able to use my new credit card while Capital One Bank Fraud Department is investigating the fraudulent charges on the previous account. Capital One Bank is holding me liable for fraudulent charges that are not my charges and are fraudulent charges thats unauthorized and not my charges. My liability under the Fair Credit Billing Act ( FCBA ) for unauthorized use of my credit card is {$50.00}. Capital One Bank is holding me liable for over {$300.00} in unauthorized and fraudulent charges. Thats illegal and unlawful. Capital One Bank is violating the Fair Credit Billing Act under federal law. They are in violation of The Fair Credit Billing Act ( FCBA ). The fraudulent charges are unauthorized and not my charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was broken into twice and my personal information was stolen. I immediately filed a police report. I also contacted the IRS and filed the identity theft claim and the federal trade commission. I sent certified copies of police reports, IRS reports and the identity theft report from the federal trade commission and experian, XXXX and XXXX refuse to move fraudulent accounts from my report.
Product: Mortgage

Due to loss of income before and after Covid 19 I have been struggling to make my mortgage monthly payments. When Covid 19 came I contacted SPS and I was offered a Covid 19 Forbearance plan for only one month paying {$860.00} on XX/XX/XXXX. I was never explained why they did not continue with this amount for at least a few months. 

Before XX/XX/XXXX, I had also contacted SPS, due to loss of income, and I was put on a plan for 3 month 's paying {$500.00} from XX/XX/XXXX to XX/XX/XXXX. Unfortunately I was never told that the amount that I was not paying on the regular monthly payment of {$1200.00} would continue to accrue as late. I believed that this would just stay at the end of the loan and after my repayment plan I could continue with my regular monthly mortgage payment of XXXX. 

Now on XX/XX/XXXX they send me a letter that I am approved for a temporary repayment plan of 12 months paying {$2200.00}. How could they expect me to pay XXXX XXXXXXXX when I am struggling to pay XXXX XXXX? I appealed this decision, asking them to please modify this plan to 18 months instead of 12, hoping this would lower the monthly payment. I initially had asked to please put this total repayment amount at the end of the loan but they refused. They have also denied my appeal request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my credit report dated in XXXX 2023.Since obtaining my credit profile I came across this account that does not belong to me. I sent Midland Credit Management certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Product: Credit card

American Express has removed XXXX reward points from my account without explanation and refused to give me any information on why they have done this and what I can do about it. I registered a complaint with them about this and disputed the {$450.00} fee they charged me for signing up for the card and the XXXX point bonus, but they have closed the investigation without further information on the status of the points. As things stand, this is classic bait-and-switch, in that they enticed me with the reward points and then withdrew them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recognize a few inquiries on my TransUnion Recognize a few inquiries on my TransUnion XXXX and XXXX report that I have not authorized. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNUON INQURIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i do not recognize this company therfore i do not own this debt
Product: Debt collection

Contacted NCA they said I don't have an account with them, they referred me to another company. NCA is refusing to remove this debt that I don't owe them from my credit report.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this transaction, I did not fill out a credit application or loan application with this company. The inquiry reported on my credit file is fraudulent. 

Onemain Financial XXXX
Product: Mortgage

Two weeks ago I called my mortgage company asking if they can waived my late fee ( for the month of XX/XX/2020 ) as my husband was on furloughed from his job since XX/XX/2020 due to COVID-19 and now was laid-off from work ; I was only delayed for few days of my payment not that I wasn't paying the required mortgage ; today ( XX/XX/2020 ), I received a letter from the company that my request has been denied ; it has been mandated by law to give consideration for those that has been affected by this health pandemic but this company seems has no mercy or consideration with their clients and for this I am filing this complaint ;
Product: Mortgage

Opened a short sale prior to the 37 week regulation submitted all the short sale documents to lender. Lender placed file on decline at the end of our collection of docs while review of the offer to decline per the months in default. XXXX   have the file to approve at XXXX public auction. Our buyer has been on at XXXX cash from XXXX XXXX. FHA opened ticket and Wells declined them as well. IRS has a lien that the application to discharge is pending Wells approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

In 2018 I opened a secured Citi credit card. The original contract was 18 months and it was a {$200.00} deposit. At the end of my contract they sent me a letter they were not unsecuring my card and making me wait another year. A year later they sent me the same letter. I attempted to mitigate through the XXXX  but the executive office of the CEO of Citi told me not only will they not unsecure my card but they will not give me my deposit back unless I close the card. I have a reoccurring charge on this card that is paid every month now for almost half a decade. I have never missed a payment. My XXXX currently is XXXX. I have no secured cards. I have credit limits topping out at {$10000.00} and I make over {$110000.00} a year. Even more strange, I have another card with them that is not secured and has a {$2000.00} credit limit! Please help.
Product: Credit card or prepaid card

Someone is fraudulently trying to open a XXXX and a Nordstrom credit account under my name. Nordstrom account shows under XXXX and needs " more '' information to be opened. It is not me. Need to report fraud.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX Acct # XXXX. 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 also states a consumer reporting agency can not furnish an account without my written instructions.

I have contacted all accounts listed and none could provide me with a copy of any clear and conspicuous agreement between me and them or the original creditor giving consent to third party information sharing. 15 U.S.C. 6802B 1 ( c ) states : I must be given an explanation of how the consumer can exercise my non disclosure option. 15 U.S.C. 6803A states : that at the time of the relationship the consumer shall be provided clear and conspicuous disclosure of options. I have yet to be provided evidence from any reporting bureau of any process to va
lidate any information furnished to them despite my requests for such.

15 U.S.C. 1681C ( a ) 5 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 aggregates 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

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position
Product: Credit card

I am filing this complaint against American Express Credit Card bank XXXX XXXX Department ) due to a legal dispute in the amount of {$4100.00} that I filed with Amex against the Merchant " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ' on XX/XX/2024. However, on XX/XX/2024, American Express Dispute Department quickly contacted me back with a denied dispute claim with a simple reason stated as : '' My claim is invalid and classified as a Tort Claim ''. I contacted American Express Dispute department back on that same day and I explained to American Express that my disputed claim is not a Tort claim. The Merchant has failed to provide me with a satisfactory service, and their service did not meet my expectation in term of satisfactory results as they promised. Brief background History : On XXXX, I visited the Merchant " XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX to receive a XXXX XXXX XXXX to make my XXXX and XXXX XXXX  look at least 15 years younger as they advertised on XXXX and XXXX, and they also promised me that their XXXX  will definitely get rid of all of my XXXXXXXX XXXX XXXX XXXX  At the Merchant Office Visit, the Merchant promised me that after the initial treatment at their XXXX XXXX, I will see an immediate result and all of my XXXX XXXX XXXX XXXX XXXX  will disappear 75 % right away, and totally gone within two months. Unfortunately, their promises are not true and totally misleading. After several treatments at the Merchant XXXX XXXX during my four weeks vacation in XXXX, my face still has XXXX XXXX XXXX XXXX XXXX  are still there as well. I am very disappointed with their service and misleading promises, and truly it is unfair for me to pay for a scam result, unsatisfied service, misleading advertising with an attempt to lure me as a customer into their service. American Express dispute department did not even bother to take the appropriate time to investigate my dispute throughly by contacting the Merchant. But American Express quickly jumped into a conclusion to deny my dispute claim as a Tort claim. The legal definition of Tort claim is defined as follow : According to the legal definition given by XXXX XXXX XXXX, a tort claim outlines an act that causes injury or harm to another party, amounting to a civil wrong that allows the courts to assign liability. Specifically, an injury, in this case, can mean any imposition on another persons legal rights. Further, the legal understanding of harm in a tort claim is meant to describe a victims overall losses. In my situation, my claim is not a tort claim as there was no injury or harm to my face or neck. Just I did not get a result with wrinkles free to my neck or face as promised by the Merchant. Therefore, the result is unsatisfactory and misleading promised by the Merchant. I therefore hereby demand the full refund of my money charge to my American Express account, and it is truly unfair for me to pay for a scam and misleading service. I exercise my legal right protection under the Fair Credit Billing Act.
Product: Checking or savings account

I use Capital One. I was supposed to get my direct deposit from my work on XXXX. Capital One expressed they know the issue and stated it would be fixed by XXXX XXXX. It is now XXXX XXXX and I have not received my deposit. I have bills, food, necessities to pay for and I can not. My account is in the negative and I am missing payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below on my Equifax consumer report has violated my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. XXXX XXXX XXXX This account have 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 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 XXXX 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

In XX/XX/XXXX, I filed Chapter XXXX Bankruptcy. At that time, I had a Bank of America credit card XXXX that was issued on XX/XX/XXXX. After I filed bankruptcy, Bank of America showed the account delinquent in XX/XX/XXXX. See attached exhibit showing XX/XX/XXXX date of first delinquency. 

Bank of America then closed the account and re-issued the card with a new account number XXXX separating that account from the Chapter XXXX petition. Then, since they were not receiving payments from the bankruptcy trustee, they showed the account delinquent in XX/XX/XXXX. 

These two card numbers are the same account and therefore both should should show a XX/XX/XXXX date of first delinquency, which will be removed from my credit report on XX/XX/XXXX. 

I disputed this information with XXXX, but the dispute results stated " consumer dispute not specific '' even though I checked the box that designated an error on the date of first delinquency and provided a detailed statement to the credit bureau.
Product: Credit card

After reading about the recent billing problems with PayPal credit, I decided to go back through my statements to see if there were any discrepancies on my bills. I have had an account with them since XX/XX/XXXX. Admittedly, I should have caught the problems before this, but the accounting errors are so small that I honestly overlooked them when paying my bill:XX/XX/XXXX : eBay purchase for {$99.00}. System shows this as the order total. PayPal reflects they charged {$100.00}. While this could be shipping, eBay 's system states " see description '' under shipping but yet they show the order total at {$99.00}. Therefore, I believe no shipping was charged. 
XX/XX/XXXX : eBay purchase for {$100.00}, but PayPal lists charge at {$100.00}. Obviously, this XXXX works in my favor, but this is still an accounting error. 
XX/XX/XXXX : eBay purchase for {$99.00}, but PayPal lists the purchase as {$100.00}. 
XX/XX/XXXX : eBay purchase for {$110.00}, but PayPal lists the purchase at $ XXXX : eBay purchase for {$110.00}, but PayPal lists the purchase as $ XXXX needed, I can give you my entire eBay purchase history and all of my statements through PayPal. It is also worth noting that PayPal credit 's online system often does not order interest free due dates correctly which can make it quite confusing when trying to pay off items before their due date. The customer has to sift through all the dates in order to figure out which one needs to be paid off XXXX in order to avoid interest. I know the credit card companies do not order expiration dates like this. For example, it might order it like this : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. I have a screen print of the ordering that I can include for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax shows  XXXX  open disputes for the same item  XXXX   XXXX  's creditor ). I disputed the balance and credit limit online however when I tried to attach documents and error message appeared. So, I called and was told to fax the documents. I faxed the documents  X/XX/17    and the  XXXX  information was updated on  X/XX/17   . HOWEVER, they did not close the original dispute. Even though I 've explained it is now correct thanks to them. One rep told me the online system actually did accept my docs even though an error message popped up and that when I faxed the docs their system automatically created a  XXXX  dispute. They refuse to close these disputes which have already been processed and corrected and seem to be reading a script that says I " have to wait until the  30-45 d ay period is over before the disputes are removed. '' As of today diputes #  XXXX  & #  XXXX  are both open and need to be closed immediately as I am trying to obtain a mortgage and these open items are blocking anyone from running my credit reports. In addition, I submitted paperwork via fax to remove an erroneous Tax  Lien  and they said they 're not sure that " released as erroneous '' means that they should remove the lien but instead it might mean that the issuing creditor should never have listed it as released so they are leaving it on my report. They did not read the rest of the letter from the creditor which states that " the above liens were ISSUED IN ERROR. '' Not sure how anyone can mistake that erroneous means it was an error. Thank you! : - (
Product: Debt collection

Summons dated on XX/XX/2018 appeared at residence around XX/XX/2018 to appear in court on XX/XX/2018. Says I owed {$800.00}. Paperwork attached said amount actually owed is {$760.00}.