23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bought out my walmart account. They keep reporting the credit card twice on my credit report. so it looks like i have 2 accounts open for XXXX and it is impacting my credit score.
Product: Credit card or prepaid card

This is intended to reopen issue XXXX. I was told to give them 30 days from TD Bank 's response on XX/XX/2019. It is now XX/XX/2019 and my household continues to receive mail from them. THis time addressed to my wife, at our home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed evidence of errors in Credit report. Wrong information regarding XXXX XXXX XXXX report, per enclosed 4 pages of evidence ; 1 ) XXXX XXXX action following a late payment dispute, was to refund to my husband and l, 100 % ONE HUNDRED PERCENT, of all late charges, XXXX refunded to us over {$4900.00}. 2 ) At no time during this dispute did XXXX XXXX apply late charges in 2016. 3 ) XXXX actions prove the dispute existed .At that XXXX were guilty of wrongful actions against their customers, which is part of the public record. . 4 ) The Credit Agency, in wrongfully showing late charges that were refunded to us, seriously harms us. We cant get a new mortgage, which is depleting our savings. Current cost to us is very substantial, over XXXX And growing by the day. 5 ) In refusing to alter the record, the Credit Agency unfairly negates our right to dispute XXXX XXXX XXXX XXXX unfair actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I closed my mortgage with Lakeview Loan Servicing LLC on XX/XX/XXXX. 
After being paid in full, my escrow balance was {$5300.00} and I have yet to receive those funds more than 2 and a half months later. The first check sent to me bounced and I still have yet to receive a second check as of today, XXXX. 
Is this company in violation of RESPA guidelines? Am I entitled to compensation of interest or late fees on my money that they are playing with? 
I would like this complaint to be on file with this company so that this mistreatment and inconvenience to me is documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used to apply for a CBNA credit card. While the account was not established the application left a fraudulent related inquiry on his credit report. We have sent an official dispute of this inquiry to CBNA however they are continuing to report the data. This is now a violation of his federal consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. 

I've been sending disputes since XX/XX/XXXX, and on XX/XX/XXXX, I sent in my most recent dispute to Early Warnings Services regarding XXXX  XXXX XXXX 's claim that check fraud has been committed. Within the dispute I have included all the required and supporting documentation : Identity Theft Affidavit - FTC Complaint Number - Copy of Photo ID - Police Report - Explanation Letter. 

I received a response through email from Early Warning Services on XX/XX/XXXX and they have not removed the requested information of check/checking account fraud by XXXX XXXX XXXXXXXX XXXX Which again was a result of identity theft. I have provided the necessary documentation to prove so and they are violating my rights by not removing said information from my Early Warnings Report. 

I will upload the docs on this claim. 


Early Warnings Services & XXXX  XXXX XXXX must provide proof that this was not Identity Theft If not they must remove information, please CFPB look over this claim. 


FTC Claim # XXXX
Product: Mortgage

I XXXX XXXX XXXX sent XXXX XXXX a letter requesting that SPS stop the XX/XX/2023 foreclosure auction on my home. The address of the property is XXXX XXXX XXXX, XXXX, GA XXXX. SPS and XXXX XXXX refused to answer my phone calls. I would like for SPS to stop this sale date and find a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


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

These accounts were fraudulently opened using my personal information, and I have attached all necessary supporting documentation ( such as my identity theft affidavit, accounts and action I want taken. my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, codified at 15 U.S. Code 1681c-2. Under this provision
Product: Student loan

Force-able collections and predatory lending. Wells Fargo completed set-off on XXXX of my accounts well before any last resort action or fair practices were taken.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns 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. Ive also bought items and sent money thru zelle when I never received items was told nothing could be done.
Product: Payday loan

I borrowed a loan {$600.00} with the understanding i will pay it back the XXXX with XXXX interest, till today I have paid back {$1300.00} in interest alone and i can not go further with the payments. No 1 reason i have lost my job and can not continue with the loan balance of {$450.00}. No 2 is that after reviewing the terms of the loan it was not clearly explained to me I will be paying almost triple of what I originally borrowed. I need help on how to end this debacle.
Product: Credit card

Hello, on XX/XX/year>, I received notification in my email that I was charged {$1600.00}, {$1200.00}, and {$560.00} on my employee card from XXXX. I never let my employee make any purchase without my authorization, which I also confirmed with my employee. I immediately called American Express to ask them to replace the card number and dispute the amounts. but after a few days, I checked online banking to check the disputed status and I did not see any disputes, so I went back to the above transactions and filed the dispute online this time. Still, they rejected my disputes and made me liable for the transaction that I never made or authorized.
Product: Debt collection

I must emphasize that all disputed accounts are fraudulently reported, and there should be no discrepancy in the treatment of these entries. The selective deletion of certain accounts while others persist is not only arbitrary but also inconsistent with the principles outlined in the Fair Credit Reporting Act ( FCRA ). I am filing a complaint against the remaining disputed fraud accounts. As a victim of identity theft, I demand the immediate deletion of the remaining fraudulent accounts from my credit report. The continued presence of these entries is causing irreparable damage to my creditworthiness and overall financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I do not know how the theft took place, and I have no information about any suspects involved. I did not receive any money, goods, or services as a result of identity theft, and I demand that my credit report reflects this truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Non of these inquiries which I listed in Identity Theft are not belong to me. I did not apply for that banks and never gave my authorization for applying. Please remove all of them from credit report, because they are not mine.
Product: Debt collection

On or about XX/XX/2019 I ordered a vacuum cleaner from XXXX XXXX XXXX, XXXX XXXX XXXX wi XXXX through there preapproved creit catalog, I was very displeased with it and returned it to them by mail with the postal stamp that came with it, One week later they started phoneing me and sending me a bill for {$7.00} which now is & XXXX .... This has been going on well over 8months, I have contacted them many times to tell them that I am not send them money I donot owe, they continue to send me threating bills and phone calls, I have reported this to the XXXX as well, please help me to stop this harassment for happening on a weekly basices. 

SINCERLY YOURS, MR , XXXX XXXX XXXX
Product: Debt collection

Hi, FCO ( Fair Collections & Outsourcing , Inc ) has reported a collection of {$1100.00} on my credit history which is incorrect. It is done without investigating the claim properly and without providing me proper documents requested by me in this matter. I have sent them multiple email and called them several time without proper response from them. I have informed them multiple time that I do n't owe any debt to XXXX XXXX XXXX. 

FCO was not able to provide me the copy of the original utility Bills as XXXX XXXX XXXX was asking me to pay more for the Gas compared to the original Gas Bill. So, I asked them to provide me a copy of all the utility Bills starting XXXX XXXX. I have sent multiple emails to XXXX XXXX XXXX & FCO in this regard since XXXX XXXX and they were not able to provide these bills. 

I also registered a complaint regarding this with XXXX and both the companies were not able to respond to that complaint. 

Issues : -- -- -- -- -- - 1 ) When I moved into the apartment, My rent was calculated on Pro rate basis for the duration of stay but when I left the apartment the company is saying that they will not prorate my stay. There is no such clause in the lease agreement. They have already forfeited the security deposit for one and half month of rent. No proper response or reason from the company on this. 

2 ) During the stay the company charged me for room heating even when the heaters/Gas was switched off in summer season. I have complained about this multiple time and my account was not adjusted/corrected. ( a copy of multiple emails attached ). I have been requesting XXXX XXXX to provide me a copy of the original Utility Bills from long time and they are not able to provide it. the difference for XXXX month where they adjusted was approximately XXXX % so XXXX XXXX should refund me XXXX % of the Gas utility bills in case they are not able to provide correct Utility Bills from the Utility Company. 

3 ) The collection company FCO is not investigating the case even after I disputed this. They are not even providing the required information & documents. Without responding to my emails and resolving the disputes they have got this collection account added to my credit reports which is harassment of a normal person just to serve the interest of their client. I have also called them on the number provided and they never pickup the phone. I have also left so many voice mails and without any response from Fair Collections & Outsourcing , Inc. ( Some of the emails attached. ). 

Please let me know in case you need any additional details from me. I have attached some of the communications where I raised my concerns and neither XXXX XXXX XXXX nor Fair Collections & Outsourcing , Inc. ( FCO ) was able to provide proper response. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

Call from US BANK, told me they were calling for a transaction. The automated system that called transferred me to customer service who then sent me to fraud, fraud asked me every question under the sun, including my unborn. They then sent me a XXXX time passcode and called me a fraudster because her system locked out and her manage told me that your system doesnt work half the time until they send the code. So youre telling me you send XXXX out to customers and half the time they work and the other half they dont? Sounds like you have an internal security issue and Im sure my lawyers would love to hear about how our data is being misused by your company and not Fully secured and protected because your system wants to work when it decides to. How many customers data has been breached? Im sure the XXXX, would have a field day learning about this when I expose it on national TV.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it require timely access to funds. This situation raises concerns about consumer protection laws, and I request assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report.XX/XX/XXXX XX/XX/XXXX # XXXX {$680.00} XX/XX/XXXX# XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$360.00} XX/XX/XXXXXXXX & XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$400.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$2100.00} XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$86.00} XXXX XXXX # XXXX {$170.00}
Product: Debt collection

XXXX XXXX XXXX sent account XXXX, which was supposed to be closed to Transworld Systems for collection. 

The XXXX  account is for XXXX XXXX XXXX XXXX, XXXX Georgia. 

Originally, I applied to be a rental tenant at XXXX XXXX XXXX XXXX, XXXX Georgia. Ultimately, the landlord couldn't uphold the move-in date so I was forced to move elsewhere to XXXX XXXX XXXX XXXX XXXX GA . 

XXXX never communicated that there was a claim or any usage at XXXX XXXX XXXX XXXX, XXXX Georgia, in addition, they told me they'd been mailing letters to XXXX XXXX XXXX XXXX, XXXX Georgia I didn't receive those letters, again cause I never lived there. 

In Short, there was no actual XXXX  usage and XXXX sent this account to collections over a disconnection fee... 

This is bringing down my credit and I shouldn't have to pay {$300.00} for an account I've never used, at a place I never lived at, that seems very unfair and seems like bad business. 

I'd like to have XXXX XXXX XXXX, XXXX Georgia taken off my credit reports ( XXXX, XXXX ), I'd never lived there at all! 

Thanks for your help and understanding. Please let me know if there is anything else I can give to help resolve this situation. 

Companies involved : XXXX XXXX XXXX sent account to Transworld Systems sent this to XXXX and XXXX and other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a letter for proof of validation with XXXX XXXX XXXX, XXXX for XXXX The original creditor is XXXX for a debt there saying I owe they sent me a old bill which was n't the correct amount also updated the bill to a recent date of XX/XX/XXXX this has been on my reports for 4 years now if not more I requested the signed agreement ( contract ) for this debt and did n't receive it they deleted the file from my XXXX and XXXX report around the date of XX/XX/XXXX but will not delete from my XXXX report
Product: Checking or savings account

I am filling a complaint with CFPB regarding Capital One 's failure to uphold the higher yield savings account option. Capital One did not let me know this option was available it violates the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection law and I request your assistance in investing this matter to ensure my rights are upheld. Thank You
Product: Credit card or prepaid card

This complaint is regarding my Business American Express card, which was opened in early XX/XX/XXXXand was paid every month on time with no late payments since opening and almost always the full balance paid each month. This account was opened originally for a new business with zero historical revenue. The credit limit was slowly raised over the first two years. A credit limit increase was requested in XX/XX/XXXX from {$55000.00} to {$75000.00} after reaching {$1.00} million in annual business revenue. American Express then DECREASED the credit limit from {$55000.00} to {$26000.00} despite dramatically increasing business revenue, on time payments for nearly 3 years, and financial reports to support all of these statements. I asked American Express to at least restore the previous credit limit, but they refused. 

This decision has unfairly and negatively impacted my growing and profitable business as well as causing harm to my personal and business credit scores.
Product: Debt collection

I have sent numerous letters stating I want to see validation of this debt and they refuse to answer. I sent my last letter saying if they can not properly show me documentation validating the debt is mine then I want it deleted from my credit report.
Product: Debt collection

They called me at XXXX central time harassing me multiple times and threatening me, I sent a debt validation letter XX/XX/22, they never show me any proof of validation. 
[ SEQUIM ASSETSOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ] They added a derogatory marks on my credit reports, they never validated anything at all, Upon further research, this account was transferred /sold to a third party collection agency they did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
Product: Credit card

I called Chase Bank because the math wasnt adding up between my pending charges and what was reflecting on the app and I was very confused. I felt like I couldnt get the answers I needed so I did escalate to the supervisor, XXXX. My complaint lies with him because he was extremely rude and it was obvious he didnt care what I had to say and wanted to get me off the phone. We went through the math and it still wasnt adding up for me and I was proceeding to tell him that I think theres an issue with how pending charges are reflected on the app and he needs to escalate this to technical support. I couldnt get that far as he kept cutting me off and interrupting me. I told him he wouldnt let me talk and he said its because there was a delay but I was in the middle of my sentence. He wouldnt hear any of it and ended up hanging up on me. I am going to be closing my account because of this experience. XXXX needs some coaching on what it means to be a supervisor in customer service because this wasnt it.
Product: Debt collection

I contacted the original creditor, and they confirmed that the bills were written off. This debt collector is attempting to collect on a debt they have no legal right to pursue.
Product: Debt collection

American Express National Bank as Indentured Trustee has damaged my consumer credit reports by reporting 3 accounts with credit balances as charge offs and collections value for the granted security interest and for consideration for the Settlement of the extension of credit used in trade. I accepted the value for the delivery as the Lessee agreed to pay the credit extensions as required by each of the credit card binding agreements. I am not responsible for the obligation ( s ). The acquired security interest was transferred for a promise of performance for future contracts. The binding Agreement means there is a bargain of the parties in fact, as found in their language or inferred from other circumstances, including course of performance, course of dealing, or usage of trade as provided in Section 1-303. I have been sued and my identity has shared with law office and court system to oppress.
Product: Credit reporting or other personal consumer reports

I have been using the company self Incorporated financial since the beginning of XXXX of 2023. I have been making payments on time with no problems, until few months ago my utilization percentage rate keeps going up and now it's gone to up to 100 %. my score keeps going up and down and I believe my account is being tampered with. I call and talk to customer service they explain to me different reasonings, or that's not even the problem what is happening with my account. Customer service is not really helpful with my situation.
Product: Credit card or prepaid card

It was announced that Citibank would no longer be a Co-branded card for the XXXX XXXX chain. As soon as this was announced last year, I called Citibank. I continued to call Citibank and discuss the issue and concern I had. 

In XX/XX/XXXX, I was informed from Citibank that the card was being turned over to XXXX. XXXX also sent me a similar notice. I do not want an XXXX card. I want to stay a Citi customer. 

I called Citi to convert the card from a XXXX co-branded to another product in XXXX. They said I could n't convert it and no further info. I called again in XXXX. They said they could n't convert the card, but if I called back on or after XX/XX/XXXX, I could convert the card and stay a Citi customer. 

I called Citi today ( XX/XX/XXXX) and they inform me that they can not convert the card. I have no choice but to accept a new XXXX account. 

How do I, as a consumer, have no control with what happens to my account? An account in good standing, with a high limit, and no balance? An account that regularly sees $ XXXX in yearly spend? Citibank does n't want to keep that business?!?
Product: Debt collection

THIS DEBT WAS CHARGED OFF BUT FOR WHICH I HAVE NOT RECEIVED A FORM XXXX ( CANCELLATION OF DEPT ). AS PER IRS REGULATIONS, I UNDERSTAND THAT CREDITORS ARE REQUIRED TO ISSUE A FORM XXXX WHEN A DEBT HAS BEEN CHARGED OFF, CANCELED, FORGIVEN, OR DISCHARGED. THE AMOUNT XXXX AND XXXX