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

Since XX/XX/2022, my 3 Capital One cards were restricted for the same reason. Until this day, 1 of those cards ( which has the most rewards achieved ) is still restricted despite countless calls and verification processes that were the same for all 3 cards.

They keep asking for the same things or things that don't exist for me like an EIN number since I am an attorney who uses my SSN for my own private business as a sole proprietor. 

Now they threaten to close that account for failure to comply despite my 3 weekly calls to them and continued timely payments despite unable for use and despite for account specialist to return calls since XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX and Experian. Please block/delete/update the following inaccurate accounts and unauthorized inquiries reported in my credit report.
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 acct # XXXX XXXX XXXX XXXX  acct # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 permission.
Product: Payday loan, title loan, or personal loan

The week of XX/XX/XXXX, my checking account with XXXX XXXX  was compromised and a fraud investigation was opened, and it was determined that my identity had been stolen. ( All issues with XXXX have been resolved ). XX/XX/XXXX, I received a letter from MoneyLion Inc with a debit card for an account in my name. I had not opened any account with this bank. When I called for more information, I was told that there was an account on file in my name and also a loan for the amount of {$110.00}. I informed them that this had been opened fraudulently, told them about my identity theft, and that I would like the accounts closed. I offered to provide them with documentation such as the police report I filed the previous week to support my claim. I was told that both accounts would be closed and a fraud agent would call me to follow up within 3 days. A week later, I still had not received a call back and tried to follow up, but was hung up on during my first call transfer. As of XX/XX/XXXX, I have not received any follow-up from MoneyLion. 
On XX/XX/XXXX, I received a XXXX  credit alert about a new account and found a MoneyLion personal loan in the amount of {$1000.00} ( NOT the same amount I was told on the phone in the first place ) that was taken out on XX/XX/XXXX. I have also tried to contact MoneyLion online, but when I tried to make an account, I was told my information ( SSN ) already exists in there system and to sign in instead ( obviously I do not know the username or password for this account, since I did not make it ). I have already filed a police report, fraud reports with all three credit bureaus, an IRS Identity Theft Affidavit, and an identity theft report with the FTC, but I have been unable to get any assistance from MoneyLion in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX- {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$9900.00} XXXX XXXX XXXX- {$29000.00} XXXX XXXX XXXX- {$18000.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

What happened? 
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following account. XXXX Cred bal. {$1900.00}.
Product: Debt collection

ONCE AGAIN HARVARD COLLECTIONS ARE COLLECTING DISCHARGED DEBT LISTED IN CASE XXXX DISCHARGED XX/XX/2018. STATE OF ILLINOIS IS ALSO COLLECTING ON BARRED ACCOUNTS WHERE THE S.O.L EXPIRED ON BACK TAXES. SEE ATTACHED .WE ARE NOW GOING TO FILE A CLASS ACTION EFFORT SOON!
Product: Debt collection

In XX/XX/2012, I went into a hospital in Wisconsin with XXXX related issues, I had XXXX. I have provided the original hospital with my XXXX number, which they say they " didn't have '' at time of service. I have called two other times and sent it to them directly, at which they said it was too late to go back and bill them now, so it was just " my responsibility now ''. 

Now it's been turned over to a collection agency for about 4 years and they have, in addition to refusing to remove it, seeing that I had insurance and it was THEIR mistake not to bill them, have also ADDED to the original bill, nearly {$300.00} in " mystery '' charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company has been trying to address this for months yet the bureaus refuse to do anything other than reiterate they will reach out to the reporting company and update accordingly yet they have yet to do so.
Product: Credit card or prepaid card

I ordered something from XXXX that came defective, contacted XXXX about it. XXXX sent a replacement. 

Replacement device became defective as well so contacted XXXX about issuing a refund, XXXX sent XXXX to pick up both items ( all under one tracking number & one box ) XXXX received the items & have yet to issue my refund. 

Contacted capital one started dispute & got a notification saying my account will be credited the funds while they investigate.

& That the funds will be in my account in 1 - 2 business days.

Turns out capital one put a hold on the credits I was supposed to get for 40 - 90 days until the merchant responds.

I shouldn't have to wait 40 - 90 to use credits I should already have for items returned.

I've contacted capital several times about it to no avail.

I've provided them return email & refund amount & tracking #.

They still haven't released the hold on my {$320.00} credit.

& That is my complaint.

This is for capital one secured card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit rating was excellent. However, my spouse passed away on XX/XX/XXXX. Since that time, several of her creditors have erroneously and or fraudulently attempted to report her collection accounts as mine. In this case, the merchant, XXXX XXXX XXXX XXXX reported 2 amounts of {$270.00} & {$510.00} to both XXXX and Equifax as collection accounts in XXXX. At that time, I disputed both charges and both XXXX & Equifax removed the accounts as they belonged solely to my deceased wife or were fraudulent, A year later, in XXXX, the same merchant XXXX XXXX XXXX XXXX, once again reported the same two amounts {$270.00} & {$510.00} as collection accounts to both XXXX and Equifax. Once again I disputed both charges. XXXX conducted their investigation and removed the erroneous/fraudulent collection accounts. I called Equifax on XX/XX/XXXX to dispute both charges. Apparently, Equifax only disputed 1 charge. As such, I called again on XX/XX/XXXX to redispute both charges. My Equifax credit report is currently showing the charge for {$270.00} has been resolved by the data furnisher. The charge for {$510.00} ( with the same company ) remains open and unresolved 5 months later. It should be noted that Equifax conducted an investigation into the same two charges in XXXX and determined the accounts were not mine. As such, my credit rating with XXXX stands at XXXX, while my credit rating with Equifax is XXXX. Because of the erroneous? fraudulent collection accounts on my Equifax report, I was declined for a credit card ( reason given was a collection account on my report ). More importantly, due to unforeseen circumstances, I will have to vacate my home in the next 30-45 days. and these two erroneous/fraudulent accounts on my Equifax report will prevent me from purchasing a new home. More importantly, these accounts do not belong to me. In closing, my complaint issues are the following ; # 1 The two accounts referenced above are erroneous and or fraudulent and should be removed from my Equifax report as XXXX has done. # 2 How did Equifax conclude in XXXX that the same two accounts were in fact not mine, but in XXXX, they now conclude the {$270.00} charge belongs to me and after 5 months, the {$510.00} ( from the same company which was removed by Equifax in XXXX ) charge still shows as open and unresolved?
Product: Credit card or prepaid card

The secured credit card was closed two months ago, the bank has still failed to return the small security deposit on the XXXX balance account.
Product: Mortgage

This is my second complaint filing with the Specialized Loan Servicing. I have been dealing with them for a year now since the pandemic began to try and get my loan modified. I own a small business, a bakery, that has suffered from the pandemic and was in need of mortgage relief. I sought a forbearance early on, was denied, and then finally received one. After additional requests I received a forbearance for 12 months. 

I have sought to modify for my loan repeatedly for months. I have sent document after document, spent hours on the phone, been yelled out, lied to and hung up on. I have received the same letter requesting the same documentation. I have sent the same documents over and over. Even though I have repeatedly said I can get help paying my mortgage so that I can keep my home, my modification was denied twice because I missed the " parameters of the program '' by 1 %. I begged to speak with someone who could help, make decisions about my case. Every letter that was sent to me included the name of someone and a teller number, but I was never permitted to actually speak to that person. There is never a direct line or extension number. While I have been transferred I nearly always am hung up on when I am transferred. 

Following my last complaint to CFPB, I received the explanation of why I was denied the modification, and then received the exact same forms to apply again. The letter to this regulating body included the name of another " teller '' and included the number to " XXXX XXXX  '' should I have any questions. The " XXXX XXXX '' number goes to voicemail automatically. A human being never picks up. I left a voicemail BEGGING for a callback. I never received one, even though the voicemail promises a callback within 48 hours. I continue to struggle to speak to a human being that can make any definitive decisions regarding my mortgage, which will no longer be in forbearance as of XX/XX/XXXX. 

I am again filling out a modification request. i am including documentation that I can get monthly help. If I COULD JUST SPEAK to someone when I fill out this application, I'm sure I can qualify for a modification given THAT IC AN GET HELP PAYING MY MORTGAGE. I don't understand how this is not preferable than my foreclosing.
Product: Money transfer, virtual currency, or money service

Background : On XX/XX/year>, I requested wire transfer of {$3200.00}. However few weeks later, the promised work was not done and was cancelled On XX/XX/year> I contacted my Ally bank requesting to cancel my domestic wire transfer on XX/XX/year> and refund {$3200.00} back to my Ally bank, however XXXX days later the bank has no information for me other than Reference # XXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX  XXXX  XXXX, XXXX, FL XXXX* ATTENTION  DISPUTE DEPARTMENT CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
Product: Debt collection

I am filing a complaint against XXXX. Despite my efforts to make payments, they have sent my medical bill to collections. I made a payment of {$200.00} on XX/XX/year>, and another payment on XX/XX/XXXX. I have attempted to work with XXXX, but they have not assisted me. 

I already have a payment plan in place, where they are supposed to withdraw {$100.00} from my bank account each month. I am confused about where my payments are going, especially since I am being scrutinized over this issue. XXXX has not contacted me at all. Although my email address is on file, I have never received any communication from them regarding my account or bill. 

This situation needs to be addressed, and I request that this issue be removed from my credit report unless they can provide debt validation.
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 XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  name : has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My Name is XXXX XXXX I have been fighting with Trans Union for a long Time with incorrect information and fraudulent information on my credit Report. 
I am not getting anywhere with them every time I called it was a different answer. Even the Fraudulent Inquiries they will not remove. Please help fix this issue. 
Thank you so very much.
Product: Credit card or prepaid card

I had an original loan of {$9000.00} loan and made a payment of {$2000.00} from XX/XX/XXXX to XX/XX/XXXX. Due COVID-19 I was unable to continue to make the payment and couldnt fulfill my obligations to make the payment I agreed to make. I tried to plead with the credit card company to make an arrangement to make an acceptable arrangements but refused to make an agreement to which I would be able to make the payment. I offered to make the total payment of my balance by the end of XXXX but refused to extend the deferred interest and demanded to renegotiate the loan with added interest rate of over {$4000.00} to the total of over {$13000.00}. I am willing to pay the original promotional loan balance without the deferred interest and close the remaining balance. And theyre unwilling to facilitate my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Debt collection

I was renting a property and after we moved out my landlord was not happy we were leaving she became irrational. We gave proper notice and moved out. I never received any other information from her. I would try to contact her regarding our security deposit she owed us but she would not answer my calls and we never heard from her again. I was checking my credit report and saw this charge from what I am assuming was her. This large amount of debt I do not owe.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian about XXXX XXXX XXXX Account number XXXX due to the account being inaccurate. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this XXXX XXXX my credit report XXXX
Product: Debt collection

I received my credit report and found an account from them that is not mine. It said I owed {$1300.00}. I have never had an account with them. We had several people staying at our house I do not know if they done something, or someone got my information off the website not sure. I contacted the credit bureau 's and they said everything was verified as accurate and the company agreed. I have asked for a application or contract with my name on it bearing my signature and no one has given me anything. This is because they have nothing this is not mine.
Product: Credit reporting or other personal consumer reports

I sent the required documentation three times to lift internal block last they claim they couldnt read license I sent XXXX more times XXXX copies at this time I fill equifax is freezing my credit illegally please help me obtain my identity back!!! This been going on over XXXX months now please investigate equifax fraud department