23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an email from US Bank stating that I was past due on my credit card. I have always paid my balance off in full every month. I called on it, and US Bank somehow changed my address on my account. They were sending my statements to an old address ( XXXX, XXXX, MO ). Then, they hit my card with late fees and interest, and they said the address could only be changed by us calling or the post office. I NEVER authorized my address to be changed. Then, they have hit my card again with a late fee and more interest charges as we have been trying to resolve the problem. Now, my privacy has been disclosed and my card # has been given to whoever lives at XXXX, XXXX, MO. I called them again tonight to see what is going on, and now they have reported it as a late payment on my credit bureau. I have perfect credit, and now it is going to take forever to get this situation resolved. I asked for a letter from US Bank stating this was their error and that I wanted it to be taken off of my credit. But, the manager ( XXXX ) stated that I would have to write a letter to their dispute department even though it was their fault my private information was being sent to an old address. Then, I asked how do I file a complaint with the CFPB, and they did n't know. 
Anyway, I just want this cleared up where it does n't show on my credit history as a late payment and a letter from US Bank stating this was their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get some concert ticket and split the payment into 4 payment and they did a hard inquiry and it should have been a soft inquiry. I want it removed from my credit report. Why should it stay on my report for years, for some simple concert tickets. The terms were not clear at all. I tried talking to them and I got no where.
Product: Debt collection

I looked at my credit report and noticed XXXX XXXX XXXX reported a negative collection item on my report from a Credit Collections SVC regarding XXXX. According to XXXX5 U.S. Code 1681b ( 2 ) and FCRA section 605B. It is illegal to report anything on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of the attached sheets of paper from you.I assume this is the response to my request for verification of a debt and proof that you have in your possession that I owe this debt. This documentation is not sufficient to establish that I owe this debt to your organization and must be deleted. Proof that I owe a debt to your organization or an organization that you are collecting for is required or the debt is not owed and not valid. You may present this this in the form of a signature from myself agreeing to the be specifically responsible for this debt or a voice recording of me specifically agreeing to be responsible for this debt. 

Simply supplying sheets of paper that have amounts of money on them does not establish that a debt is owed by me. Simply asking the organization that you are collecting for if this is accurate is also not sufficient, proof must be supplied. 

Please note that 30 days has passed and this proof has not supplied and I assume that it is not in your possession. This must be deleted from my credit reports immediately. I will ask both the state of California and the CFPB to get involved if needed. 

I also note that there is no California License number indicated and it says pending. I believe a California license is required and lack thereof would make collection practices unlawful. Again, this must be deleted or I will have to ask the Attorney Generals Office of California to get involved.

Please also note that credit was not applied for nor granted to either your organization nor XXXX University and therefore may not be reported to a credit reporting agency. You may not report items that are not credit or loan products and the item in these papers appears to be neither of those items. 

Please note that you may not contact me other than by mail at home or email at XXXX. No other communication is authorized as I can not receive such calls at my business numbers, mobile business numbers, emails, and addresses.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I claimed bankruptcy in XXXX of XXXX. In the bankruptcy was a private school loan from National City Bank, ( XXXX XXXX ) now PNC. Now my wages are being garnished at 25 % each paycheck. Loan amount at the time was {$10000.00} This loan was taken out in XXXX. I know I used funds for schooling and to pay bills because I wasnt working full time during school. I was advised by my attorney file a complaint with your organization in regards to this matter. Now XXXX, trying to garnish my wages. Please advise. Thank you.
Product: Credit reporting 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. 

Account Name : XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX Late 120 Days : Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX : Balance : {$340.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Debt collection

The Consumer Financial Protection Bureau ( CFPB ) has finalized a rule that prohibits the inclusion of medical bills on credit reports used by lenders and bars lenders from using medical information in their lending decisions.
Product: Student loan

On XX/XX/25 I requested a refund of {$6100.00} on my loan and was told it would take over 150 days to begin processing the request! That is unacceptable, the money is supposed to be readily available to customers under the Covid relief plan.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1994 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX {$23000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} Account charged off. {$24000.00} written XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX These cases shouldnt be on my credit file or public record XXXX Case number ID Case Number : XXXX Charges Filed Date : XX/XX/XXXXXXXX  Case Number : XXXX Charges Filed Date : XXXX XXXX, XXXX  Disposition : XXXX XXXX XXXX LEAVE REINSTATE ID Case Number : XXXX Charges Filed XXXX ID Case Number : XXXX Charges Filed Date : XXXX XXXX, XXXX Offense Code : XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) ID Case Number : XXXX Charges Filed Date : XX/XX/XXXX Offense Code : XXXX 15 USC 1681 ( a ) 1 challenges the 30 day response time + 15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol # 15 USC 1681 ( a ) ( 5 ) B challenges reinsertion protocols These account shouldnt be on my credit or belong to me I need them removed inaccurate wrong dates and shouldnt not be seen on credit the accounts are not mine
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to find an unauthorized inquiry on my credit report this morning. I refreshed my browser thinking it was a glitch, but it wasnt. I need this issue resolved immediately by thoroughly reviewing the documents Ive sent so I can stop worrying about this.
Product: Mortgage

Hello, I bought my first home in XXXX of XXXX, with a fixed rate, with XXXX XXXX XXXX as my lender. In the 3rd quarter of XXXX they sold my loan to Mr. Cooper mortgage, who currently has my loan. All calculations and agreements were for an approximately $ 1,100/month payment with escrow and insurance. Mr. Cooper eventually raised my payment for {$1200.00}. 
This past week they told me that my payment is increasing by over $ 400/month and I now have to pay {$1600.00} a month. Their explanation of an increase of property taxes doesn't make sense because I had a tax and escrow evaluation in XXXX. Now, 3 years after I bought the house they are pulling this stunt which is putting me in serious jeopardy of not being able to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give this company permission to view my consumer report. 

SANTANDER CONSUMER USA XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 3 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Debt collection

On Thursday XX/XX/XXXX at approximately XXXX hours, while checking my credit score and showing me that I own a loan of {$3900.00} from XXXX XXXX  XXXX XXXX XXXX. I looked online and I found their number and I called. The agent from XXXX XXXXXXXX XXXX, informed me that I took a loan ONLINE from XXXX XXXXXXXX XXXX  of {$3000.00} on XX/XX/XXXX and the money was deposit on a bank account call XXXX XXXX XXXX and the 4 number of that account are XXXX and the scammer use my first and last name to created an email address ( XXXX ) I NEVER HAVE ANY EMAIL ADDRESS WITH outlook. That is the only information I have from the loan company. Please help me by taking care of that as soon as possible please. 

Please Note that I Sent this report to IDENTITY THEFT ONLINE ON XX/XX/XXXX @ XXXX XXXX. My receipt number is # XXXX Hello, I'm having trouble to verified my Identity, after being on the phone for hours with one of the representatives of the unemployment agent he could not verify me with the information that I provided. I filed a claim on XX/XX/XXXX after I entered my social security number, the system informed me there was a claim open under my social security back to XXXX, and I called to report right after I finished completing the employment application. Today I called unemployment to find out about my status and the agent could NOT verify my information even with a bank account, the agent sent me a link to complete a personal verification through my email. When I clicked on the link even using my cell phone and manually typing it into the search bar on XXXX XXXX, along with XXXX XXXX. It would display a totally different web page than what the unemployment agent was seeing ( XXXX XXXX XXXX ). When the unemployment agent sent me to login on XXXX so I can access my account. The page asked me for a PIN but I was never issued a PIN number. After entering my SSC to receive my PIN to my email address, an entirely different email address popped up that does NOT BELONG TO ME at all ( XXXX ). My correct information should be the following : Please Help Me Resolve this Issue. My ticket number ***** from XXXX Member Support. I also sent a report to Department Of Highway Safety And Motor Vehicle Division Of Motorist Services. This two reports that I sent, it just to show that I've been give update to collection company and the credit bureaus. I'VE BEEN A VICTIM OF IDENTITY THEFT. ( SOCIAL SECURITY NUMBER )
Product: Debt collection

US DEPT OF EDUCATION is stating that i have opened an account with them on XX/XX/2020. I have not attended school or have taken any kind of loan with them. The debt that they are alleging is past due is {$6700.00}. This needs to be investigated and removed as its hurting my credit history and report. 


US DEPT OF EDUCATION is also stating that i have opened an account with them on XX/XX/2020. I have not attended school or have taken any kind of loan with them. The debt that they are alleging is past due is {$3800.00}. This needs to be investigated and removed as its hurting my credit history and report.
Product: Credit card

I received a promotional offer for a Citibank XXXX card with 0 % APR for 18 months. When I received the card approx XXXX weeks later it said only XXXX  months XXXX XXXX. I called them and the agent said I need to mail back the original page of the offer. I didn't want to lose that proof and offered to send a picture of it. The agent kept insisting I lose the original page stating the 18 months, which is very shady! I decided to submit a complaint of fraud and scam!
Product: Debt collection

They call between 30 and 50 times a day. My business phones are tied up all day long and it's affecting my customers being able to call. The person they are looking for is no longer working for me and I have told them this on multiple occasions. I do have my phone records for proof. I will keep the records and any future ones as well. If they continue to call my business I will be forced to proceed with legal action of harassment charges.
Product: Mortgage

The most recent call to resolve one of the issues was on XX/XX/XXXX five times and trying to get a 30 day payoff. I keep being told they can only give a XXXX day pay off stating that I'm still in bankruptcy and that is untrue, successfully completed my BK and case was closed and dismissed on XX/XX/XXXX. I advised several people in BK department that my BK has been completed and they claim on there end not complete and they're still reconciling and BK will be completed/closed on their side XX/XX/XXXX and maybe sooner. How is that? when the case has been closed/dismissed per my attorney and BK Trustee/Judge and I documentation that verifies/confirm this information. The second issue is SPS is trying to charge me an inspection fee and attorney fees, said they can't send me an itemized statement this because I'm still in BK and I would need to get this information from my attorney. Why? I see inspection fee from XX/XX/XXXX for {$60.00} on my XXXX statement and I guess the difference is for THEIR attorney fees Why? When I asked for the name of the attorney, the name that I was given is their attorney. SPS is not posting my payment in a timely manner they claim they hold it or it's still processing said I will get credit for the date that they received the payment, I asked why and they keep saying the same ting that I'm still in BK and I am NOT! this is RIDICULOUS!!!!
Product: Credit card or prepaid card

I purchased a trip with XXXX XXXX a travel company back in XXXX of 2019 for {$2300.00}. The trip was cancelled due to Covid. I reached out to Bank of America and they gave me a credit card refund immediately. Then flash pack reversed the refund and took my money back again and instead gave me a credit for a future purchase. Then flash pack went bankrupt and I was no longer able to use the credit. Then Bank of America said it was beyond the time frame to get a refund. So I never got my money back and flash pack now told me to file a complaint with the XXXX
Product: Checking or savings account

Capital one has not issued my paycheck deposit since Wednesday. This is unacceptable for people like me living paycheck to paycheck. They should answer and compensate for the late fees, emotional distress, and literally the lack of sufficient funds to feed ourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security  protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit card or prepaid card

Someone used my information and applied for a Bank of America credit card. According to XXXX, the account was opened on XX/XX/2021. The balance was {$660.00} as XX/XX/2021. 

I contacted BOA but they said they did not find any account under my SSN. I contacted XXXX and they helped me remove this account from my profile.
Product: Vehicle loan or lease

This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new corvette.
Product: Debt collection

I had two credit cards with XXXX XXXXXX/XX/XXXX When I went to the XXXXXX/XX/XXXX XX/XX/XXXX for my debt consolidation, they closed both of my accounts. My accounts have been closed since XXXX off last year, yet they continue to charge me payments.
Product: Credit reporting or other personal consumer reports

These accounts were reported in my information and are not mine XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$0.00}
Product: Checking or savings account

My name is XXXX XXXX XXXX. Im a XXXX percent XXXX XXXX veteran of the XXXX XXXX. I receive VA service connected compensation. My deposit is supposed to post today on XX/XX/2022. My deposit showed as pending yesterday but as of now my money is not in my account and this is Im a member of Navy Federal Credit Union. Im XXXX XXXX with XXXX XXXX XXXX ( XXXX ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And my compensation not being in my account on time it is raising my stress levels. My Navy Federal XXXX XXXX checking account provides 1 business day early deposit rather on the 1st of every month. The deposits post at XXXX ET. My VA compensation deposit for XXXX did not post on time. This is unacceptable and there is absolutely no excuse or reasoning for this delay. I was greeted by a service agent with sarcasm because they know the situation with Navy Federal members. The only answer I was giving was Hopefully the deposits will post by XXXX ET. 

This must be addressed and must never happen again.
Product: Money transfer, virtual currency, or money service

This is XXXX XXXX, I was in a tental fraud as followings : Landlord XXXX XXXX, Drivers lisence:XXXX, from Colorado ask a total of XXXX for one month rent plus deposit. 
Landlord address : XXXX XXXX XXXX XXXX, XXXX, CO, XXXX Here are three rental fraud transfer from Bank of America, XXXX transfer : {$500.00} to Email : XXXX Name : XXXX XXXX On XXXX {$700.00} to Email : XXXX Name : XXXX XXXX , XXXX {$1000.00} to Email : XXXX Name : XXXX XXXX , XXXX I think the XXXX XXXX account in BOA is already cancelled. But the bank might have a rack of account holder 's SSN. 
I'm contacting the Bank of America to stop the payment and refund mony to my account.