23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Former : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFA 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 XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a {$300.00} Zelle transfer thru XXXX XXXXXXXX XXXX App. The person I was sending money too was named XXXX and his email was XXXX. I was ordering a XXXX XXXX XXXX XXXX from him. Once I sent him the money he told me he would mail it out first thing on that following Monday morning and that he would send a confirmation email plus tracking number. Since that day I have not heard from this person, he is not responding to my texts, he has not returned my calls, nor answering my emails. Oh boy, I think I was scammed! I have already contacted Zelle and my bank 's recall team but they said they could not help me.
Product: Mortgage

BSI Financial failure to make timely payment from escrow account for homeowner 's insurance policy renewal. Contacted BSI multiple times to resolve issue, which was treated with no urgency from their end, resulting in expired policy, potential late fees, and consumer frustration/time spent trying to push the process along. 


XX/XX/2020 - received notice of servicing transfer to BSI Financial Services XX/XX/2020 - due date for Homeowners Insurance policy renewal XX/XX/2020 - received notice from insurance company that payment had not yet been received. Initially contacted BSI Financial Services to remit payment from escrow account. Provided BSI with all relevant due dates for insurance policy and policy expiry date. Was told by BSI that the escrow records were not updated, so I would have to pay insurance premium out of pocket, rather than escrow. 
XX/XX/2020 - 2nd contact with BSI Financial Services. Sent email copy of Insurance invoice with attention to escrow department. BSI said they would send a check. 
XX/XX/2020 - 3rd contact with BSI Financial Services. Still no check sent to insurance company. Re-sent email copy of insurance invoice with attention to escrow department. BSI said they would send a check. 
XX/XX/2020 - BSI online portal shows check mailed. 
XX/XX/2020 - Policy expired XX/XX/2020 - Received notice from insurance company that payment had not yet been received. 4th contact to BSI, and received a tracking number to provide to  insurance company. Check was not sent with any expedited shipping, although it was mailed only 4 business days in advance of policy expiry.
Product: Debt collection

today, Wednesday XX/XX/2023 at XXXX XXXX my son XXXX XXXX received several phone calls from XXXX. He eventually called them back and they identified themselves as XXXX XXXX and they told my son they were looking for me as they were trying to collect on a loan from CreditNinja and they were getting ready to take me ( his mom ) to court and they would garnish my wages. They then verified my mailing address with my son and told them he needed to have me call them immediately before they call my employer and garnish my wages. 
I receive several phone calls from this number several times a day leaving harrassing messages. 
At XXXX XXXX my former employer received a call from this number and left a message that they have an important legal matter that directly concerns XXXX XXXX and they needed to have me return their call asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is missing previously paid off car loan. I made an attempt to correct this omission but mailing a packet of all needed verifying documentation. I called Equifax today to inquire about status and they could not verify my identity and had no record of my mailing which had been received and replied to by the other 2 credit bureaus. This packet included sensitive identifying information and was lost in system. Equifax also failed to unfreeze my credit account as I requested via mail about 6 months ago per their stipulations.
Product: Debt collection

LVNV FUNDING is claiming that I owe them {$720.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX XXXX  NUMEROUS TIMES, ZERO RESPONSE. XXXX XXXX  FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE USPS TRACKING SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE 5TH AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX XXXX  FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE ATTORNY GENERAL FOR CFPB NOT DOING THEIR JOB AND XXXX XXXX  NEGLECTING TO RESPOND. THANK YOU
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Dear Experian, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$6200.00} Account Number : XXXX Party Owed : XXXXXXXX XXXX Amount : {$500.00} Account Number : XXXX Party Owed : XXXX Amount : {$2000.00} Account Number : XXXX I am disputing this claim due to. I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, Experian, any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1661 b. The Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

You, Experian, should be ashamed of yourself for ASSUMING this role and position to constantly conunit fraud and cause harm to consumers.

This is the official request to have the aforementioned item to be deleted off a credit report.

Enclosed may be additional evidence to support my claim Sincerely, By XXXX XXXX
Product: Credit card or prepaid card

Capital One has sent me personalized pre-approval offers for credit cards. A few times they have denied me after pulling my score. Now for the biggest issue, twice they approved me after pulling my score, but before I even received the credit card they close my account. I have spend hours on the phone to then not get any help nor answers. I plan to check with a few lawyers and family lawyers to see if suing is a option because Capital One continues to mess up my credit which is hindering my ability to apply for other things. 

Second Time Break Down : - XX/XX/2021 - Received personalized offer - XX/XX/XXXX or XX/XX/2021 - Applied - XX/XX/2021 - Approved ( after sending requested documents ) - XX/XX/2021 - Card shipped with estimated delivery or XX/XX/XXXX & XXXX - XX/XX/2021 - Still no card and account closed Thus, leaving me without a card that was to be used for a bill, another new inquiry, a low credit score and two missed opportunities because I went with their Pre-approval. 


*Updated - while typing this and on hold, I was basically told I was banned from their Credit card products, but still don't know why. Before the rep said that he asked if ive ever gotten into a argument with a rep in the past. 

No matter what, if you block or deny business with someone ( FYI i still have bank accounts with Capital One ) don't send them PERSONALIZED ( My Name and other information ) Pre-approval/ Pre-qualify for that same exact product. Especially if it can mess up their credit and personal life. 

My advice, stay away from Capital One. Too many issues and when you call in you get the run around and manager ( some ) that feel they can talk to you like a child while being disrespectful. I will be closing all accounts and doing my best to sue Capital One for messing over my credit scores 6 times.
Product: Student loan

A Corporation known as XXXX XXXX  claims to be the " Original Creditor " in association with the DEPARTMENT OF EDUCATION regarding several " debts, loans, and credits '' that I, XXXX XXXX : XXXX XXXX being penalized as " owing '' or being responsible for these allegations. 
I do not know who XXXX XXXX is or how to contact them nor could find any information on who this Organization is? 
The law clearly states Under the 6th Amendment that I have the right to face my accuser. 
In 2004, the Supreme Court of the United States formulated a new test in XXXX XXXX XXXX to determine whether the Confrontation Clause applies in a criminal case. 
I do not know who this XXXX XXXX is and need to be provided with this corporations contact information, who they are insured by and how they obtained this information that is being reported on my consumer report. 
Pursuant USC 1666b clearly states that financial institutions/creditors/XXXX XXXXTHE DEPARTMENT OF EDUCATION may not treat a payment on a credit card account under an open end consumer credit plan AS LATE for any purpose UNLESS the information in Section 1637b was mailed to the " consumer '' not later than 21 days.

I have not received any such notification and these allegations date as far back as 7 years and 8 months ago according the the credit report. 
4 different claims that I, XXXX, the living flesh and blood man " owe '' 1. {$9800.00} 2. {$4400.00} 3. {$4000.00} 4. {$1400.00} The report also states that the Owner of the account is : INDIVIDUAL and the account type is reads : OTHER XXXX XXXX  claims to be the Name of the Original Creditor I have provided some information to assist The CFPB in their investigation in locating this corporation known as XXXX XXXX  so that I can properly address and deal with this in a lawful manner.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I provided information to Experian about improper use of my report. The company responded there is an unauthorized third party and the company needs authorization from me to proceed with the complaint. There isn't any third party involved. 
It is I XXXX XXXX who requested this information to be remove because i didn't give Experian authorization to post on my consumer credit report. 

On XX/XX/XXXX, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXXXXXX XXXX home designed credit card ) placed on my consumer report by Experian, XXXX, and XXXX. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX home-designed credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I have identified the following items as unauthorized and fraudulent : 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

My information during the disputing process was not properly investigated which led to a negative impact on my credit score on multiple accounts.
Product: Credit reporting

On my Transunion Credit Report, the account " XXXX '' should totally be removed. It was already removed from XXXX but for some reason Transunion has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
Product: Checking or savings account

On XX/XX/2022 I went to Wells Fargo to deposit a check and to get a advancement on a credit card. The teller by the name of XXXX stated that she could not deposit a check I wanted to deposit due to a notification from her efforts of depositing. Not sure what she really meant, but none the less, she could not make the deposit. So, I moved on to the credit card advance. I asked for the advance to be in the amount of {$100.00} and the transaction was successful. The problem is when I called XXXX XXXX credit company for information they stated I took out a credit card advance in the amount of {$150.00} which is not true. The credit card company also froze my card and prevented me from making further transactions. I'm complaining because the teller received some type of notification on her computer screen that is affecting me at another bank, XXXX XXXX Credit Card company and my card is no longer available for use after my visit to Wells Fargo Bank.
Product: Payday loan, title loan, personal loan, or advance loan

After years of reaching out to resolve issues related to this account, they chose to bypass my concerns and go straight to collections agency to attempt to ruin my credit.
Product: Credit card or prepaid card

We bought a ticket on XXXX on XXXX XXXX from XXXX  to XXXX on XXXX, XXXX, XXXX paid by Barclay credit card.The ticket was booked on XXXX XXXX, dates XXXX, XXXX XXXX, XXXX. This flight was cancelled due to Covid19 back in XXXX. For some unknown reason XXXX/XXXX  divided this round trip ticket into two separate one way tickets ( {$550.00} and {$480.00} ). We were told by XXXX on multiple occasions that we would get a full refund but we did not receive anything so far. Finally we filed a dispute request on XXXX, XXXX with Barclay CC by which we paid for the ticket. They issued a temporary refund but it was reversed later on. 
I filed a complaint to CFPB on XXXX, XXXX, XXXX # XXXX. We were contacted by Barclay but Barclay did not address the essence of our complaint, namely, that the merchant did not provide service or product we fully paid for and, therefore, did not resolve the issue. 
Meanwhile, we recently contacted XXXX once again and were told that the merchant, XXXX airlines, actually refunded the ticket directly to Barclay credit card on XXXX, XXXX, XXXX. They provided us with the authorization transaction codes : For {$550.00} - auth code XXXX and for $ XXXX auth code- XXXX. 
However, there is no deposit on my Barclay account as of XXXX, XXXX, XXXX and when I called Barclay they had no idea what is going on. Please help to resolve this issue, it is going for too long, since XXXX, XXXX. 
Regards, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a loan with STATE EMPLOYEES C U. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and STATE EMPLOYEES C U with no successful resolution. XXXX  was thw only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit card or prepaid card

I was issued a Synchrony Bank Sams Club credit card in XXXX and they closed it on XX/XX/XXXX, even though I was not delinquent and had no balance on the card. 

I was told they randomly check credit on their customer and they felt my credit was no longer good enough to have their card, so they closed it. I have never heard of a credit card company continuing to check their users credit every few months to see if they still deserve the card. 

They did not have my permission to check my credit more than once ( when I initially applied ). They accessed my credit report without my knowledge or my permission, and when they decided to close my account it had a negative impact on my credit score - even though the card was paid in full. 

I dont think they should be allowed to secretly check customers credit reports every few months and close accounts that are paid in full. 

When I called and asked them to reopen the account they said they cant do that. They told me to reapply - but now I have a lower score because of their actions. And I dont want to do business with them anymore anyway. 

They should not be allowed to treat customers this way!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaints XXXX, XXXX and XXXX. While the results from XXXX re investigation end in removal of the accounts in question from my credit report something is terribly wrong between the CBs investigations or the company XXXX XXXX XXXX XXXX XXXX XXXX is deliberately reporting different information to the different credit bureaus ... .someone is providing false information because Transunion claims to have updated the information. Furthermore, the accounts in question have yet to be removed from my reports in complaint XXXX. I try and have patience regarding these matters but the CBs seem not to have a problem putting the information on my report the same day it should be removed as well in a timely manner. I refuse to allow this to keep happening and will continue to complain until this matter has been satisfied. If the accounts are verified as mine then I will not deny them but playing around with my credit is doing serious damage to my credit and the next step will be a law suit. I have tried contacting Transunion by phone and the website and it says that the system can not access my account due to on going disputes but claims I can view the status ..but will not let me as of X/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in EXPERIAN wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the EXPERIAN report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong XXXX numbers. 
The accounts that are not mine : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  : XXXX