23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Credit Reporting Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Mortgage

I have been dealing with Wells Fargo for almost a year.After I received XXXX vague mailings from them which I almost threw away thinking it was junk mail. I did mediation for their add ons which I did not have knowledge of them being added on the my mortgage payment for XXXX  months time. I never signed up for any add on products so someone committed identity theft and fraud on me. I want Wells Fargo to admit to this fraud for what it is fraud. I was paid what they felt was good enough to appease me. I want a payment for each month of the fraud they committed on me of XXXX per month. If not I can and will file a lawsuit which will cost them more in lawyer fees than that. I am tired of big corporations getting away with crimes that a regular person would be in prison for. Wells Fargo has not been punished as they should. I have been getting a run around for months from them. Mailings that do not admit to their wrong doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to Experian about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in  XXXX   XXXX , MO. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Experian yet again and was told to file a complaint here. I did and there response to the complaint was that they are verified because the creditor told them it was done online. I asked the rep, named  XXXX , how can take their word for it when I have sent in constant proof along with having fraud alert on my credit file? The Supervisor told me there was nothing that can be done to protect myself from it and that they could n't and would n't delete the fraudulent information no matter what the FRCA states.    This is the list of inquiries that Experian refuses to remove that I did n't authorize.   XXXX   XXXX    XX/XX/XXXX  ;  XXXX   XX/XX/XXXX ,  XXXX   XX/XX/XXXX  ;   XXXX     XX/XX/XXXX  ;   XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX , &  XX/XX/XXXX  ;   XXXX   XXXX    XX/XX/XXXX  &  XX/XX/XXXX  ;  XXXX   XX/XX/XXXX . According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it stat  es that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the  disputed information from its files. The fact that I received a response 4 days after the last phone call I made   XX/XX/XXXX ,   one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.
Product: Mortgage

We sent the email below to Stonegate XXXX/XXXX/15, followed up XXXX/XXXX/15 and never received a response from them. 

If you require any email correspondence proving any of our claims, we are happy to provide them. 


Hello, My wife and I reached out to Stonegate about refinancing our loan around mid XXXX ( the first email we have is from XXXX/XXXX/15 ). We agreed to terms and were told on or before XXXX/XXXX/15 that we would be closing mid XXXX. To be more specific, we were told XXXX/XXXX/15 that " Your appraisal just came in and your file has been forwarded to underwriting. '' Each and every time anything was requested of us, we responded with what was required immediately. After following up a number of times, being shifted around to different representatives, having additional documents requested of us, etc, we were told XXXX/XXXX/15 that " We got extremely busy over the last 5 months which has caused tremendous delays. '' Following that, we had to get another appraisal since it had been so long, send in additional documents, and we finally closed XXXX/XXXX/15. Nearly five months after we were told it would take place. 

During that time, we paid PMI on a loan that we would n't have if it had closed when we were told it would and also paid interest at a rate XXXX of a point higher than we should have been. 

After repeated attempts by Stonegate to renege on the terms we agreed to because it took them so long that the " market had moved '', we did, in fact, receive the loan at those terms. In addition, we were refunded the amount we paid for PMI as a result of Stonegate 's delays. However, we also need to be refunded for the additional interest that we should not have paid during that time period, as the delays were admittedly Stonegate 's fault. 

We will be awaiting your response. 

Thank you
Product: Student loan

I have called Navient several times in the last 10 years about my student loans. I told them I was having trouble paying the monthly installments and I was told that forbearance was my only option. This has been my only option each time I have called. Around XX/XX/XXXX, I was young enough to foolishly accept forbearance on my loans not realizing what it actually meant. Two years ago in the fall of XX/XX/XXXX I called again to attempt to lower my monthly payments and I was again told forbearance was my only option. I told them I would not be going into forbearance and that I just needed a lower monthly payment in order to actually survive and create some sort of savings. I was then told again that forbearance was my only option and if I didnt want that I should have my co-signers pay. I told them that my mother is not responsible for my student debt, and they then told me my father should pay. I told them my dad died in XX/XX/XXXX, and we had sent them a death certificate, the person on the phone then argued with me about my dads death ( I had to remind him numerous times about him having passed away, and each time I was told to have him pay, or go into forbearance ). 

There have been numerous times I have asked for my mom to be released as my co-signer and each time I have been denied. There have been many occasions where my mom gets my monthly statement and I do not, and they will also call her and not me when trying to collect debt, which sometimes isnt even due for a few more weeks. This happens frequently despite both my mother and I telling them they should be calling me as it is my debt. 

The amount they have been asking per month has been substantial and inflexible which has caused me to barely get by each month financially. Evidence can be found in their phone recordings as well as loan statements when I had entered forbearance after being told it was my only option.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I submitted a complaint about Net Pay Advance and their predatory lending practices which include both unexpected and outrageous fees and interest. In that previously filed complaint, I detailed the hundreds of dollars I had paid each month, of which barely any went towards the principal, and which totaled the principal amount of {$3000.00}. I further went on to describe a fair resolution, which stated that " Since the principal {$3000.00} is already paid, plus interest, a fair resolution would be to have the account closed and reported as PAID IN FULL. No further payments will be requested and no more will be paid. Both parties end their engagement amicably. '' To resolve the issue, the company responded that they " The company agrees to close the account and require no further payments from the customer... we recognize that the customer has acted in good faith and we are therefore willing to write off the balance of the loan. The account will be closed and no further payments will be required from the consumer. '' At the time of the company 's response, I was satisfied with this response and proceeded to provide feedback to the CFPB that the company followed through on their word. However, the company ( Net Pay Advance ) has NOT followed through with their agreement. Since then, I've been repeatedly harassed with e-mails and text messages about payment. On multiple occasions I have provided representatives of the company with the original complaint and the company 's response. Each time they ignore what is clearly detailed in the report. 

To put it simply, an agreement was made between myself and the company, Net Pay Advance, and the company has not followed through with their side of the agreement. They continue to seek payment for which they have stated is a closed account. " The account will be closed and no further payments will be required from the consumer. ''
Product: Money transfer, virtual currency, or money service

I am writing this regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams which raises concerns about customer information safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I found repeated hard inquiries opened by companies listed on my credit bureau report of all 3 bureaus ... .I sent certified letters to the reporting agencies and credit company that ran these hard inquiries and my letters were received threw certified mail ... ..I received only letters back from the Transunion bureau and 2 credit companies stating they didn't have to prove I authorized these repeated inquires by any written authorization constituting permissible purpose or consent by me. My complaint was dismissed and ignored by these bureau 's. ( Note ) My open XXXX XXXX Credit   account and XXXX XXXX XXXX Credit Card account ... those 2 inquiries are accurately reported and in good standing ... I do not dispute those. My name is XXXX XXXX XXXX My Social Security is XXXX My home Address is XXXX XXXX  XXXX XXXX. XXXX XXXX, Tx. XXXX I have the signature confirmations showing the certified letters were indeed recieve on XX/XX/2018 Requesting the hard inquiries.. I did not authorize be removed immediately. 
My requests were denied by all ... It has hindered my ability to have access to apply for any credit period. Thankyou for your attention on this matter. XXXX XXXX XXXX
Product: Debt collection

This company, which I hold no contract with nor no longer services with reported a collection account against my SSN in the amount of {$300.00} with XXXX  XXXX XXXX and XXXX XXXXredit reporting agency. The business can not provide verification of the debt and account. Considering this business does not have a contract with me for goods or services they have provided nor can they provide adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX SS # XXXX I'm disputing a medical bill that was covered by XXXX I did not have a problem getting the other 12 bills removed because they had also been covered by insurance but they will not remove this I have wrote called and went to the hospital it is RR Resource Recovery, L {$2000.00} XXXX XXXX XXXX I would appreciate any and all help time and XXXX took on the matter thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

JPMorgan Chase & Co.has been reporting my personal and private transactional information to third party credit reporting companies without my express written consent, in violation of the FCRA, FDCPA, GLBA and my right to privacy.
Product: Credit card or prepaid card

I opened a dispute with Citi Credit Card and they closed it and still charged me {$610.00}. I had to escalate the dispute and still have two open disputes with this credit card.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Product: Credit card

On XX/XX/XXXX  I received a text notification from my credit card Discover " do you recognize this charge of {$230.00} '' I stated no. I called Discover to find out what this was all about and was told since I declined the text charge not to worry that the charge will not post. A few hours later I log onto my Discover Card web site only to see the {$230.00} charge is pending. I called Discover and was told that 30 min later after I declined the charge the merchant was able to put the charge through again and was successful. I asked why I did not get another text to notify me, the person said sometimes that happens, and now I can dispute this charge. After many months of going back and forth with Discover I was finally credited back {$230.00} until today. XX/XX/XXXX  almost 4 months later the merchant was able to send in information showing my name, address, and that I ordered {$230.00} for one bottle of XXXX XXXX 's. Discover card will not reopen this dispute, and I will have to take it up with the merchant Since XXXX of XXXX, XXXX  I have called this company call XXXX XXXX XXXX XXXX. I was able to stop them from a reoccurring charge of {$230.00} every month and was told they would credit me back {$230.00}. This company told me there is nothing they can do and I need to reach out to my credit card and he hung up on me. 
On XX/XX/XXXX  when I was on face book I did see an advertisement on these XXXX XXXX for weight loss. I did order 1 bottle @ {$39.00}, then when I received the text from Discover I realized this has to be the same company and it's a scam. NEVER have I received 1 bottle. Called Discover 6 times just today and I am told the merchant provider my name, address, but what about the delivery? Discover is sending me all in information to me by way of mail, they will not email to me. Per Discover today I found out this company has another name of " XXXX XXXX  '' with the same phone number as XXXX XXXX, if this isn't a scam I don't know what it! XXXX XXXX has a state of WY, but when calling the phone number provided it's XXXX and the people I have spoken with have really bad broken English so I know they are not within the US. I need help please I am being scammed and per Discover they choose to believe the scammer. Per my Discover statements you can see the credited me then posted the charge 4 months later. From the beginning If I decline a charge Discover had no right to accept the charge a few minutes later, this is bad business on Discover 's part.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of America and XXXX XXXXXXXX XXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. XXXX XXXX XXXX and Bank of America won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXXXXXX XXXX or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. 

The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of America and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. 

They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from XXXX report ; and engaging in other misconduct. 

As a result of their failure to comply with its legal obligations and negative reporting of reporting to XXXX, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. 


Defendant XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my XXXX report and by misreporting and failing to delete inaccurate information on my XXXX report, thus damaging my ability to open a bank account.