23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received a bill for {$13000.00} from XXXX XXXX due XX/XX/2023. On XX/XX/2023 I submited to Charles Schwab bank to pay the amount in full by XX/XX/2023. On XX/XX/2023 XXXX XXXX cashed the check charging me {$340.00} in interest + {$29.00} fee. 

In talking with XXXX XXXX they state they cash checks on the day they receive them so they are not responsible. 

In talking with Charles Schwab they say that they mailed the check on or around XX/XX/2023 and it is not their responsibilty. They have provided me a letter to that effect. Also for some reason it is their policy to mail a check when the amount is over {$10000.00} instead of doing a transfer. Charles Schwab states they are not responsible because they mailed the check in plenty of time to get to XXXX XXXX. 

I have requested from both banks that they provide the postmark date. Both banks say they are not willing/able to do that. I requested from Schwab to pay XXXX XXXX in a timely manor. I followed all of the rules outlined and made the request in a timely manor. Neither bank is willing to take responsibility for this error, and I can not determine who is at fault. Did XXXX XXXX misplace the check and cash it late or did Schwab send the check late.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believeXX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was made aware my identity was leaked in a breach including address, name, social and bank account info. I then started to contact said credit bureau and made them aware of the situation and proceeded to dispute. About a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/year>. My ftc report # XXXX. I have only XXXX current address beginning with the number XXXX. all others should be deleted as they are not mine and have been at that address for XXXX years. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied American Express Platinuim Card on XXXX, through the XXXX welcome bonus after XXXX spending for the first three months. After spending about {$1300.00} on XXXX and {$1700.00} on XXXX, I got my welcome bonus on XXXX. But on XXXX they did a point adjustment, taking this welcome bonus off. I contacted their agent, they firstly said that I am not eligible for this targeted offer. After I showed that the link I clicked, they change the reason to that some of my spending was not eligible. I then asked them which one, they can not point out, just replying that this is their Rewards Dept. decision.
Product: Mortgage

I applied for HELOC loan with Wellsfargo Mortgage. Submitted all the documents necessary and proof of savings to cover upto 6 months of expenses in case of change in financial situation. We have had no other payments except for mortgage. Based on affordability calculators online, I qualified for the loan. 

WellsFargo rejected my application with reason " We do not offer the type of credit or the terms you requested. Amounts owed are too high relative to your income ''. 

Next week I applied for the same loan with my local XXXX XXXX XXXX and within 21 days the loan was approved. 

I feel WellsFargo is discriminating. I do n't understand how could WellsFargo reject my application while XXXX XXXX XXXX approve the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX To : LexisNexis, XXXX XXXX  This IS NOT A DISPUTE : This is a rather a request for a Method Of Verification where the following items should be provided to ensure the validity of the item ( s ). 

This is also a Identity Theft Issue.

( Please Provide ) 1. The name of the court representative you spoke with.

2. The Court address and telephone number.

3. The person 's name they verified the dispute with 4. The documentation used to verify the dispute. 

( Method Of Verification For ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), Docket No XXXX & XXXX & XXXX ( Method Of Verification For ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Docket # XXXX ( Method Of Verification For ) XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 602 A. States I have the right to privacy.

15USC 1681 Section 604A, Sec A : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 11681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the items of information. any other adverse item of information, other than records of convictions of crimes which antedates more than seven years. 
15 USC 1681s-2 ( A ) ( 1 ) A persona shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate. 

A victim of identity theft, the information listed which appears on my credit report, does not relate to any transactional that I have made. It is the result of identity theft. This is why I am requesting A Method Of Validation. 

I have requested validation several times, and I continue to receive a letter stating verified without the information I'm requesting. I'm simply trying to get to the bottom of this inaccurate information. 

Attached is a letter from the XXXX XXXX XXXX  that states they are not Furnishers Nor Are They Verifiers, so therefore I am asking who did you verify this information with. I'm producing my letter written directly to me ; so what letter of verification to you have?
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by JPMCB on XXXX XXXX. 

I want to clarify that I have no knowledge of any transaction or business association with JPMCB, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX  and XXXXXXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Debt collection

I mailed a certified handwritten letter to the Doctors Business Bureau on XX/XX/2019. USPS states that they recieved it XX/XX/2019. This letter is a debt validation letter requesting that they send the required proof they have to assume this debt against me as per my rights under the FDCPA. They were given 30 days to send me the documents that I needed ; if they did not, they were to DELETE these accounts off my credit. They have violated my rights and I demand that action be taken to resolve this matter. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " XXXX XXXX '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - XXXX XXXX XXXX and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your XXXX to help us.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Fraudulent and Inaccurate Accounts To Whom It May Concern, I am filing this complaint regarding several fraudulent and inaccurate accounts that are being reported on my credit report. I have attempted to resolve these issues through the appropriate channels, but the inaccuracies remain. Below are the details of the accounts in question : XXXX. 
XXXX XXXX XXXX IN XXXX XXXX Creditor : XXXX XXXX XXXX Accts o Account Number : XXXX o Balance : {$240.00} o Dispute Reason : The collection agency has failed to provide any verification or valid documentation for this account. I request that this account be removed immediately, as it can not be verified. 
XXXX. 
XXXXXXXX XXXX o Account Number : XXXX o Balance : {$3900.00} o Dispute Reason : This is a fraudulent account. As per 15 U.S.C. 1681, I request the immediate deletion of this account from my credit report. 
XXXX. 
XXXX XXXX XXXX o Account Number : XXXX o Balance : {$600.00} o Dispute Reason : I have never owned a credit card. As per 15 U.S.C. 1681, this account is inaccurate and must be deleted immediately. 
XXXX. 
XXXX XXXX XXXX o Account Number : XXXX o Balance : {$960.00} o Dispute Reason : I have no knowledge of this account. Only XXXX bureau is reporting this account. Per Section XXXX of the Fair Credit Reporting Act ( FCRA ), any account that is potentially inaccurate must have the reporting party 's address conspicuously listed. This requirement has not been met, and I request this account be removed. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX Creditor : XXXX o Account Number : XXXX o Balance : {$1100.00} o Dispute Reason : The collection agency failed to provide any verification or valid documentation for this account. Please remove this account immediately. 
These accounts are either fraudulent, unverifiable, or inaccurately reported. I have attached supporting documentation, including a copy of my identification, my credit report with the disputed accounts highlighted, and any other pertinent documents. 
I respectfully request the CFPB investigate these matters and take appropriate action to ensure these inaccuracies are corrected. I also request written confirmation of the investigation results and the steps taken to resolve these issues. 
Thank you for your attention to this matter. Please do not hesitate to contact me if additional information or clarification is needed. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

DEFAMATION OF CHARACTER Numerous documents were sent into Experian for dispute. I received a letter from Experian stating that I did not send the letters on my own, but indeed I did. Here are my letters again. I have tried numerous times to fix these issues according to the FCRA act and have been unsuccessful due to numerous complaints being ignored. Instead of scanning with your eOscar system, due your due diligence and actually investigate the claims. 

I am doing my process and then I will be filing for arbitration and/or a federal law suit according to the terms and conditions in the agreement. 

I have documented numerous attempts of me trying to fix these issues and the illegal tactics that Experian has used, and all requests for investigations have been ignored. I am sending these letters again for proof of service and to make sure that you have received them. You are also being put on NOTICE through this medium for legal situations that may arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and vehicle information was added to an auto policy with XXXX XXXX. I never gave consent or advised this was being done. Now an accident claim on my vehicle shows up on this persons auto policy with XXXX. It takes a name, dob, address, DL etc to add someone to a policy and I was not notified of this being done. Not once was this information shared with the policy holder or XXXX. XXXX refuses to remove my name from a policy I never authorized. How is adding someone to a policy without person ok, but to remove them by the persons permission not ok? This is fraudulent behavior. I dont want my vehicle information or accident claim information released to anyone without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021 I have submitted numerous Letters to XXXX XXXX and Transunion in regards to a Bankruptcy on my consumer report, All letters have been sent certified mail with tracking yet after the 60 day period i have never received any response or update towards my consumer report. I have sent 3 letters asking for a investigation with proper methods of verification and have received nothing. I however did file a motion prior to filing my bankruptcy to seal all documents which i filed with the court and a debtors full social is filed with the the original petition, therefore the only information that could be released to third parties is full name, last four of social and address under the Federal rules of Bankruptcy.
Product: Credit reporting or other personal consumer reports

I have been calling the 3 credit bureaus they are not removing my paid in full balance when XXXX  XXXX said it was ok to remove
Product: Credit reporting or other personal consumer reports

Company : XXXX XXXX XXXX XXXX  : amount of XXXX XXXX XXXX  : amount to of : XXXX XXXX  XXXX XXXX XXXX  : Amount of XXXX I never had a contract with this debt collector for any debt. Account have been disputed numerous of time and have not been removed. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

I am writing to dispute charge tickets of {$1300.00} to my Ending in XXXX from the XXXX XXXX XXXX account on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The charge is in error and unfair and my economic situation was affected by this balance, I was overcharged, because I request the full cancelation on XX/XX/XXXX XXXX  request by the passengers past away, the country close the entry passengers from the USA, also my parents XXXX XXXX XXXX XXXX and XXXX XXXX XXXX de XXXX get XXXX XXXXXXXX virus and they admitted in ER on XX/XX/XXXX XXXX, Colombia for 18 days, Unfortunately, they are unable to recover from the virus and pass away, I mailed certified of dead. 

I contact Customer Service XXXX : XXXX the represented promised to void, cancel and remove these charges by my loss and because no one use or pretended to use these tickets and I never received them. 
I am requesting and informed of this tragic situation that the error is corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Also, request this company stop check my credit for no reason. 
Enclosed are copies of certified supporting my position and experience. Please correct the error on my account promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a Capital One Spark credit card account in XX/XX/XXXX with a 0 % APR offer. I used the {$10000.00} limit to pay for inventory for my small business. I was told by two Capital One employees, one at time of activation and one several months later, that the end date on my offer did not appear in the system. I was also told that this glitch was being handled behind the scenes, and that I need not worry about it, and that I should continue to make my minimum payments on time. I did that. Without any other information subsequently given to me, Capital One began charging interest in XX/XX/XXXX. I attempted multiple times to escalate the issue, since I strongly believe that Capital One should have notified me, under the special circumstances, that the account would be coming due in full. I requested that we discuss a reasonable amount of time in which to pay the balance, without additional charges. It was extremely difficult to escalate the issue to anyone higher than a manager in customer service, and my request was denied. I truly felt as though I was talking to a computer screen, rather than a person, because it did not seem that the details were being considered. The computer showed that I had interest due, so that was what I should pay, regardless. I pursued dispute resolution. I felt the weight of time passing, and then while waiting fora reply, the pandemic began. The bank had to deal with many unexpected resulting issues, so I was trying to be patient, all while continuing to make payments each month, based on the principal. It wouldnt be until several months later that I discovered that my case had been closed, unbeknownst to me. The bank continued to charge me interest and late fees all along. In XXXX, without any higher level communication, I paid my principal payment of {$8200.00}, which was the original {$10000.00} less the amount I had already paid in monthly payments. Since that time, my account has continued to accrue fees and interest, based on the XXXX balance. My credit has been damaged, as well. This is so extremely distressing to me, as I believed that I was acting in good faith all along. 

I really didn't know what channels to pursue, since it was impossible to connect with a higher level employee within the Capital One system, so I visited my local branch in XXXX. They contacted the credit card complaint unit, and the same response came back, without even a minimal attempt at an accommodation of any sort. The local branch advised me to contact the Office of the President at Capital One, and let me know that they generally reply within two weeks. I sent a letter on XX/XX/XXXX, and I haven't heard from them. I understand that the virus can be causing a delay, but this has been going on for far too long already. 

Communication with Capital One during this ordeal has been excruciatingly challenging all along. I have found that they have little to no integrity or regard for the customer and will toss you around until you may just be willing to give up. I have lost all respect for this company, unfortunately.
Product: Credit reporting or other personal consumer reports

CITI HAS CHARGED OFF AND SOLD DEBT TO XXXX XXXX XXXX. CURRENTLY XXXX XXXX XXXX AND XXXX XXXX XXXX ARE PURSUING DEBT RECOVERY FROM ME FOR THE SAME ALLEGED DEBT. THIS IS A FRAUDULENT DEBT AS I HAVE REPORTED TO CITI ON XXXX OCCASSIONS. 
CITI HAS NOT SUPPLIED ME WITH A COPY OF THE DEBT WRITTEN OFF THAT THEY REPORTED TO THE IRS WHICH THEY ARE ILLEGALLY WITHOLDING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been sending letters to the bureaus about incorrect reporting and nothing has changed they state they cant fix it however inaccurate information is being reported ( transunion XXXX and XXXX report different on multiple accounts Highlighted in the yellow are Transunion highlighted in the orange are XXXX highlighted in the pink is XXXX. 
Accounts are different, date opened are different. Balances are different, credit limits are different past due amounts are different, comments are different, date last active are different, date of last payments are different, there are charge offs with balance amounts, balance amounts are different, my name is different even after sending documents nothing has been updated or corrected Under the law 609 FCRA it states everything must be validated and reported correctly this hasnt happened. Please review exhibits A-V all inaccurate reporting each bureau reports something different.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been reporting a different balance for almost 7 years on each credit bureau. This account has been removed from XXXX within the last 2 weeks but has not been removed from Experian. I was unable to submit the screenshots online at experian.com/upload
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # 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 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 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 or other personal consumer reports

15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days! It also states a consumer reporting agency can not furnish an account without my written instructions. I am requesting for the original copy of the agreement terms and conditions. Failure to comply will forfeit your claims and will require you to delete all of negative items on my credit report.