23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, I want to complain to the Capital One credit card embezzlement department and illegal operation. I applied for a credit card with a limit of XXXX, but it has been locked for two or three months. They have no reason to propose that I have embezzled, but my credit card has been I always called the customer service to lock the credit card. From the first time I received the new card, the card was locked and not allowed to spend until the bank sent me the link and then I uploaded the ID card. To be locked, it was locked five times in a row in just one hour, and I continued to call for verification, and the verification passed every time, but this credit card has been locked for two months. Moreover, the relevant information they requested was uploaded one by one. Without any reason, they have been looking for any irrelevant reasons to shirk responsibility. I would like to ask the relevant department to investigate the bank credit card department, and even if there is no reason, the phone will not answer. Ive delayed my phone call and closed my account. The bank did this to mention my credit report to extract my personal information. This caused me to file reports a lot, my credit score dropped, and it took me so long. The relevant departments are urged to investigate the facts.
Product: Student loan

To Whom It May Concern, This is the same complaint that I had a couple of years ago when I was trying to pay off a particular loan and was making payments. My balance was not going down and I got some XXXX response from this company. 

Again, Im making payments to pay off another loan and my balance is not going down. Where are my payments going? Do these people know what they are doing? I want a breakdown off all my payments made and what loans they are applied to since my balance is not decreasing when I make payments towards them. 

On XX/XX/XXXX made a payment towards a loan that had a balance of XXXX on XX/XX/XXXX the balance is still the same? Where is my payment that should have been applied? On XX/XX/XXXX another payment was made in the amount of XXXX. Now you would think that my balance is XXXX plus one months interest. NOPE ITS STILL {$2900.00}????? 
This company is defrauding me and the company should be investigated by the CFPB. This is an Unfair Deceptive Abusive Acts and Practice and they are pyramiding payments which is against Regulation AA.
Product: Debt collection

In XX/XX/2023, I was made aware of a collection account added to my credit report under the company Meridian Financial via XXXX XXXX. Upon looking up the account through XXXX XXXX I saw that the original creditor was XXXX XXXX. This is the company that my parents had purchased a timeshare through when I was a child. My mother and I have similar names and were even born in the same month, so I figured it was an error. There is no way this can be my delinquency since I was a child when my parents made this purchase. I have reached out to the company via phone and was informed they can not give me information by phone and had to submit a request in writing. In XXXX I sent out a certified letter and received the signature receipt, but was never given any reply or documentation. Again in XXXX, I sent out another certified letter and received a signature receipt but still was not given any information. I have tried to dispute it via XXXX XXXX and XXXX and it was denied each time, claiming the company says it is accurate. This is impossible. If it is under my social security then it is fraud and someone used my information without my consent, or the credit bureau got my mother and myself confused. I can not be on this debt. I was only a child and have never signed onto this account.
Product: Vehicle loan or lease

Follow-up to CFPB Case Number  XXXX  - I received response from Ally Financial on  XXXX   XXXX ,   XXXX   with respect to my prior lease an d Ally ' s assertion of excess tire wear. The response is completely inadequate to my complaint as they have not addressed that their tire tread requirements to a returned lease on a  XXXX  mile contract was, and remains, impossible to achieve on any lease. Ally is fully aware, or at least should be aware, that their tire requirements are false and misleading and is thus a hidden fee to their lease agreements and thus should be considered an illegal action under the  Dodd Frank legi slation and the jurisdiction of the CFPB. The response received  from Ally is a s imple " canned '' corporate response and fails to address the misrepresentation assert ed by Ally in their  lease agreements. Finally, as someone who has leased vehicles for over  XXXX  years with  XXXX  per year mileage requirements this is indeed the first time I have ever been assessed excess wear on my vehicle. I can say categorically that the said vehicle was returned to  Ally in immaculate condition and with tire tread well within legal safety requirements. As noted the Ally lease has both false and misleading requirements that were at the outset impossible to physically achieve, hence should be illegal u nder the CFPB 's mandate!
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is continuing to furnish inaccurate information on my credit report regarding the balance of my XXXXXXXX student loan account. The entire balance of my XXXX student loan account has been discharged and forgiven by XXXX, yet this consumer reporting agency continues to disclose a false balance.
Product: Mortgage

I am fully disputing theValidity of this debt My loan has been Securitized and placed in Loan trust. XXXX XXXX XXXX XXXX XXXX XXXX is serving as trustee for a XXXX XXXX.asset-backed certificate XXXX XXXX in section XXXX of this trust it clearly defined that all mortgages have to be transferred prior to the cut off date of this trust they are using a fraudulent assignment to foreclose on my property. I received a three month trial to get modification for XX/XX/XXXX XX/XX/XXXXand XX/XX/2020 I am concerned about the the back payment being applied to the end of my loan. I have asked for the gap accounting in a qualified written request which has not been responded to. This Loan trust has taken it losses and I am asking for a principal reduction with a complete restructured mortgage and all foreclosures to be canceled until all of my concerns ands dispute Ive been addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX ; this is in violation of the XXXX Uniform Credit Retail Credit Classification and Account Management Policy. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX. Account # : XXXX. Date opened : XX/XX/XXXX. Closed/ pays as agreed. Date reported : XX/XX/XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXXXXXX  To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information and Request for Permanent Deletion Account Name : XXXX XXXX XXXX XXXX ( Installment ) Account Number : XXXX Closed Date : XX/XX/XXXX Balance : {$0.00} Dear Sir/Madam, I am writing to formally dispute the inaccurate information appearing on my credit report related to the XXXX XXXX XXXX XXXX account referenced above. This account is reporting incorrect details, including discrepancies in payment status and history across the bureaus. As such, I request the immediate and permanent removal of this account from my credit report, along with assurance that it will not be reposted. 

Legal Basis for Dispute : 1. FCRA Violations - Inaccurate and Incomplete Reporting ( 15 U.S.C. 1681 ) : The Fair Credit Reporting Act requires credit reporting agencies to ensure that all information reported on a consumer 's credit file is accurate, complete, and verifiable. In this case, the discrepancies and errors associated with this account, such as conflicting delinquency dates and statuses, violate these requirements. The information does not meet the standards of accuracy, and therefore, this account must be removed from my report. 

2. TILA Violations - Creditor Definition and Incorrect Reporting ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity that extends credit to a consumer. Since the reported details on this account do not align with the terms agreed upon, and no clear contract exists to support the reporting, it does not meet the standards set by the TILA. Thus, this account should not be reported on my credit file in its current form. 

Actions Requested : Permanent Deletion : I request that the XXXX XXXX XXXX XXXX account be deleted from my credit report immediately and permanently due to the inaccurate and incomplete information. This account should not be reposted under any circumstances. 

Written Confirmation : Please provide written confirmation of the removal and update of my credit report once this account is permanently deleted. 

I expect this matter to be resolved within 30 days, as required by the FCRA. Thank you for your prompt attention to this important issue, and I look forward to your confirmation of this account 's removal. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

From my recent Experian report # XXXX I noticed that my most recent reports have old addresses, phone numbers, and old employers .. that Ive called the companys to removed and disputed online yet still no change in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my Husband and I filed for XXXX XXXX bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay, Notice only '' payments to be made by the debtor ( s ). On XX/XX/XXXX our bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on- time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '', to the credit Credit Bureaus XXXX As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in their " Loss Mitigation Dept. ", the department manager XXXX XXXX, says they have done everything they cant do, and blames the credit bureaus, the credit bureaus say they only report what the receive. We check our credit regularly and pay monthly for XXXX credit monitoring, to date nothing has changed.
Product: Debt collection

My car was stolen in the month of XXXX and I was unable to make my car payments to my lender at Ally Auto due to the financial hardship I was then told that my insurance company XXXX was going to pay Ally Auto the remainder that I owed on the car due to it being totaled. XXXX was having issues with the adjusters and sent the check to them late but they stated they have received it and it shows clear on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I reviewed my TransUnion credit report and found that XXXX is reporting that I owe {$900.00} under account # XXXX as a " Factoring Company Account '' but under collections accounts with a high balance which is a FCRA violation. This debt does not belong to me and furthermore, Transunion continues to allow XXXX to report this unlawful, fraudulent erroneous debt to my credit report despite XXXX being " permanently barred from acting as an officer, director, employee, agent or advisor to any individual or business that collects, buys, or sells consumer debt as per the Consumer Financial Protection Act of 2010 ( CFPA ) where they violated the Fair Debt Collection Practices Act ( FDCPA ) '' : CFPB Takes Action Against Debt Collector And Its Owner For Falsely Threatening Consumers with Legal Action | Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in deferrance and on XXXX and not supposed to be making payments and it says I missed payments. 

Also its going back reporting passed 7 years I feel and it never goes down in the amount I owe even though Ive paid on it for years and years
Product: Checking or savings account

There were illegal transactions processed on my business account that the fraud dept was already aware of and fees were also attached to these debits on XX/XX/XXXX. There is an open claim and I have a new card but I can not use it until the monies taken out are refunded to my account. 
I am recovering from a XXXX and have regular bills along with medical bills to pay. I am not able to go to the bank to get money everyday. The money to my account needs to be refunded ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a mortgage with XXXXXXXX XXXX through XXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by XXXXXXXX XXXX regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that XXXXXXXX XXXX will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as XXXXXXXX XXXX was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per XXXXXXXX XXXX the check was later found in a lock box that XXXXXXXX XXXX failed to check their own mail for 30 days. We feel XXXX XXXXk has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from XXXX and will share with your company. Despite our efforts to abide and pay our mortgage, XXXXXXXX XXXX has reported me with a 60 day delinquency on my credit report. I have sent a request for XXXXXXXX XXXX to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that XXXX XXXX  has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by XXXX XXXX that were were being reported to a credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found out that my credit information has been compromised by the recent hack at Equifax. I went to their website today, XXXX17, and entered my information. The website stated that my information was compromised. They have released my personal information, including my name, address, and social security number to malevolent people due to their neglegence. There is even a chance that my credit card information has been taken. 

I have looked up my credit report at XXXX and it seems no suspicious activities are shown. But my sense of security has been violated and I will be constantly worried about identity theft from now on.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I noticed, on my credit report, that an account was opened for a credit card at XXXX XXXX XXXX. I did not authorize this, nor do I have or have ever had any relationship with this institution. I immediately contacted XXXX XXXX XXXX  to alert them that this account was fraudulent. They did close the account but not before {$1000.00} was charged to the account by some fraudulent entity. They are now claiming that I'm somehow responsible for this amount and have added on {$330.00} in late and interest charges. I have tried to contact them multiple times, however, because the account has an email, phone number, and street address that doesn't match mine past or present they will not take further action to dismiss the account. They will also not tell me what the {$1000.00} charge was for despite verifying my identity. Upon pointing out that the information they have doesn't match because the information they have is fraudulent they disconnected the line!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is practicing Unfair means to collect a debt. XXXX XXXX XXXX is using two different accounts to numbers on my credit reports. 
XXXX has different account number than Experian and XXXX. 

This is clearly inaccurate report. XXXX XXXX XXXX is violating several laws 15 USC

1692F A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 

( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Consumer Loan

this company called and left private personal messages on my voicemail and also my friends and family. Now today I have been served papers for small claims court. I already filed a complaint and they stated that account was charged off. I want this to be taken care of so that I do not have t pay anything. They violated the FDCPA law by the messages they left.
Product: Credit reporting or other personal consumer reports

I have filed a dispute against I C Systems with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$1300.00}. Via a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on XXXX online but was unsucessful. I contacted XXXX via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. XXXX failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent XXXX XXXX XXXX Account Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX that is inaccurately listed on my TransUnion credit report. I want to make it unequivocally clear that this account does not belong to me, and I request its immediate and permanent deletion from my credit file.

As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is obligated to investigate disputed items and ensure that all information reported is accurate, complete, and verifiable.

To assist in your investigation, I am including the following supporting documents : A completed XXXX XXXX XXXX XXXX, as requested by their fraud department. 

A copy of my government-issued ID. 


Any additional documentation that substantiates my identity and confirms that this account is fraudulent.

This account was established without my knowledge, authorization, or consent, and its presence on my credit report is both harmful and inaccurate. I demand the following actions : Immediate investigation of this dispute as required under the FCRA. 

Permanent deletion of the XXXX XXXX XXXX account from my credit report if the account can not be verified as legitimate. 

Written confirmation that this fraudulent account has been removed and that the dispute process has been resolved.

Failure to properly investigate or remove this fraudulent account will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies for FCRA violations.

Please address this matter promptly and respond to my dispute in writing within the legally required 30-day timeframe. I appreciate your immediate attention to this serious issue. 

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

XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX