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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon, XXXX Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Credit Report Agencies, I am writing to formally request the blocking and deletion of fraudulent accounts and information associated with my credit file pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act. I am a victim of identity theft resulting from the Equifax data breach, and I have identified unauthorized accounts that do not belong to me. Below are the fraudulent accounts and information I am disputing the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

In support of my request, I have included the following documentation : A copy of my identity theft report ( FTC Identity Theft Report ). A copy of my government-issued ID ( passport ). Proof of address ( utility bill ).

As required under 15 USC 1681c-2 ( a ), you are obligated to block the information within four business days of receiving this request and supporting documentation. Please confirm in writing once the fraudulent accounts have been removed from my credit file. If you require any additional information to process this request, please contact me at XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX. 
Attachments : Copy of identity theft report ( FTC report ) Copy of Credit Report Copy of government-issued ID Proof of address
Product: Credit card

Last month i had a complaint with Capital One and my credit card ending in XXXX. They corrected the fee issue and promised I would have no other issues. XXXX and I talked about my horrible experience and she assured me everything was going to be corrected. She reversed the fees I was charged and reviewed my account. She assured me that I would receive no more fees if I paid the balance due after the cycle date of the XXXX or XXXX of the month. She gave me her phone number if I had any more problems. Well after following her direction of paying after the cycle date, i still was charged a fee again. XXXX was charged on XX/XX/23. This was after i paid XXXX on a XXXX balance. I am pretty upset and frustrated at what is going on and following the directions that XXXX gave me. I since have attempted to call her twice and leave messages. To date, I have yet to get a call back. My guess is that they can not figure out why this is still happening. These unfair and deceptive practices need to be addressed with CapitalOne as the are taking advantage of the consumer in some very difficult times. I am requesting that this fee be reversed again as I did everything XXXX told me to do and the phone call recording will prove it.
Product: Bank account or service

Capitalone 360 did not honor a check they say they would honor as a XXXX time couresty.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I called Jefferson Capital System and spoke to the Rep XXXX I believed, and this account is not mine. They do not have any contract or anything that states this account is mines. I request this account to be removed immediately or I will seek legal action and reimbursement for financial damages that this will cost me. I have done research on this company and also found that they are very predatory and have several lawsuits for their practices. However I will not seek litigation if this is removed promptly. I do not owe an debt to you or XXXX. I have been with my service for over 10 years. Im very annoyed that I have to take the time to correct this but have several credit monitoring services so things like this doesnt happen to me because I am very responsible.
Product: Student loan

I have a loan with XXXX. Every time I make a payment not all of the payments are being processed. My loan has actually gone up and not down. The way they calculate interest is wrong. I think that I have paid much more than I needed too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi experian has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. experian has me at a score around 592. That is a huge difference. experian paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested per 26 u.s code 108- for all discharged information to be removed. Credit Reporting bureaus do not and can not report income.
Product: Checking or savings account

Beginning XXXX XXXX, 2023 my Bankmobile XXXX banking app did not recognize my password. I tried to reset via the " forgot password '' option. The system didn't recognize my account number. 
I called the only number available over the course of 3 days at different times. I was on hold for 30 minutes at a time. On 2 occasions, I chose the " callback '' option offered. I never received a callback. 
I also tried to contact the parent bank, XXXXXXXX XXXX Also, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX   XXXX XXXX ( Equifax : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX ( Equifax : XXXX ) XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX Equifax : XXXX XXXX : XXXX ).
Product: Checking or savings account

Hi, I am the executor of the estate of my sister XXXX XXXX XXXX. I have been trying to close an account that my siister had at Capital One. Account number XXXX ; Capital One XXXX # : XXXX. 

The only way to contact Capital One regarding estate case is by email. On XX/XX/2023, I emailed XXXX. I received an automatice response stating that I will be contacted in 5 business days. if I have othe questions, call ( XXXX ) XXXX. I waited for a call from Capital One. When no one contacted me I called the ( XXXX ) XXXX. It is a general nubmer for Capital One. I was told that the only think they could do was send an email to XXXX. 

On XX/XX/XXXX, XXXX, I send another email to XXXX. I received another automatic response telling me I would be contacted within 5 business days. On XXXX????, XXXX, I wrote a letter to the XXXX, XXXX XXXX. 

It is now XX/XX/2023 and I have not been contacted by Capital One or XXXX XXXX.
Product: Mortgage

On XX/XX/year> the Rocket Mortgage loan # XXXX that does not hold my escrow as it is a secondary mortgage send a notice of imposed flood insurance, I tried to context as I'm not on a flood zone, they requested a LOMA letter and send them the flood map with the zoning as described in the FEMA web site, they disregard the information and although they send me an email saying that they were reviewing the information the went ahead and imposed Flood insurance in the amount of XXXX XXXX ; by my insurance agent advise I purchase flood insurance on XX/XX/year> and paid {$55000.00} for 12 months coverage but they required a 30 day to start the police that was XX/XX/year>. 
Today I receive a letter that I have to pay U {$59000.00} for the time lapsed in coverage ... that as per phone call was XX/XX/year> to XX/XX/year>. 
I understand that mortgage companies can impose coverage, but also understand that they have to be within reasonable market price. XXXX XXXX informed me over the phone that they are not doing anything ilegal and that they are not bound by any rules. Meaning they can charge whatever they want, funny though that the underwriting is a branch of Rocket Mortgage. 
Is there any law protecting the consumer of such abuse? 
Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Our account information was breached or skimmed. TransUnion began charging our account {$19.00} for 31 months. Contacted TransUnion XXXX and spoke with CSR who indicated she would initiate a refund claim. She did not. Contacted TransUnion 15 different times only to be transferred to another to another department. Have tried to resolve these fraudulent charges directly to no avail. Case # XXXX. Thanks XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I feel like I was treated unfairly because of my XXXX. I am worried the banker is trying to take advantage of me or steal money from my account. The following actions occurred at XXXX on XX/XX/21 at the XXXX XXXX branch of US Bank in XXXX XXXX OH. 

1. The banker wouldn't cash my check. He sent me to XXXX to cash my check, which cost me {$10.00}. 
2. The banker gave me confusing instructions on how to wire money to an account in XXXX. 
3. During our meeting, the banker called another person and suspiciously spoke in a foreign language. I feel he did so that I couldn't understand his conversation.

4. While talking, the banker accessed my phone from his computer without telling/letting me know. Later in the evening I got an electronic warning about activity on my account.

5. The banker made me feel stupid. He blamed me for trying to do things too quickly or not trying to cash my check earlier. 
6. I called customer service around XXXX XXXX. I got different instructions on how to wire money. I was told I would get a response on Monday ( which is a holiday. ) I am worried about the safety of my money.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o {$15000.00} from XXXX XXXX acct # XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable/Fraudulent debt from my report as of XX/XX/2024 ( See attachment ). According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable/fraudulent, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted XXXX About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent in a dispute letter demanding deletions from inaccurate information and accounts that are furnished on my credit report. It has been over 45 days and I have not heard anything back. I feel like my issue is not being taken serious. I am also a victim of the Equifax data breach. I have contacted Equifax, XX/XX/XXXX, and XX/XX/XXXX. All 3 bureaus are in violation the FCRA 1681B I DID NOT GIVE WRITTEN CONSENT FOR ANY OF THE ACCOUNTS IN DISPUTE TO BE FURNISHED.
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX Services began calling my wife about a debt owed in the state of Michigan from a doctor visit on XX/XX/XXXX. We used to live in Michigan but moved in XXXX. We have not traveled back to Michigan since moving. I explained to the company that the debt was not ours since we have not lived or visited the state in nine years. They continued to call and send communications that we owed the debt. Each time they said they sent us an itemized bill, which they did not, and talked to the clinic who corroborated it was my wife. I asked for them to send me the bill, but they never did. I didn't hear from them for five months and then they sent a communication in the mail. I called back and was told the same thing as before. Each time I explained it was in error, they either hung up on me or said it was our debt. This last time, on XX/XX/XXXX, I was sent to a supervisor, but she has not called me back. This debit is not on our credit report. Each time I tell them this, they hang up. 

My wife gave a presentation in Alabama on XX/XX/XXXX. I have debit and credit records that show us using it in Alabama. They don't seem interested in any of that. This debt is not owed by us and we will not pay it. It's in error but XXXX is not interested in the truth. I would like them to stop calling and harassing us. 

I have attached the mailer that they sent. Also attached is a record of my debit card activity that shows my and my wife 's card activity on the day before the visit, the day of the visit and the day after. Which shows we were not in Michigan at the time of the clinic visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I noticed that on XX/XX/2023 I had an inquiry from XXXX XXXX, I also have inquiries from XXXX as well that I did not Inquire, also a open XXXX acct that I was contacted by debt collectors for.
Product: Checking or savings account

Hi, Today I received a transaction from XXXX for the amount of {$650.00} to a Fraud company call XXXX. XXXX claims that is the bank responsibility and Chase that is XXXX. At this point I hasnt been help to recover my funds from any of them.
Product: Mortgage

Quicken Loans Inc. defalcated on a loan dated XXXX of 2016 in which they sent falsified documents to HUD in order to close an unaffordable loan that has caused me to go into default. They used wrong information to get the loan certified and insured by shoveling the numbers. Though nothing changed as to my income, interest, property taxes and insurance, or the PMI on an FHA loan, the mortgage payments went up from a barely affordable amount that I did not have a hard time paying to an amount that added up to more than 50-percent of my income and I am on a fixed income. It turned out that they used someone else 's property taxes and not mine at origination in order to make the loan appear affordable when they knew it was not at the time. It was a clear RESPA VIOLATION and a violation of the TRUTH IN LENDING ACT in order to falsify the loan as affordable. The intent -as with all others- was to foreclose on my home within one to two years and walk away with the insurance, my home, and the equity in my home. I tried to get them to fix their error by changing the loan to a conventional uninsured so the payments could be affordable again, but they said they would only do so if I would pay them {$3800.00} in " unearned '' pre-closing fees. It's all on record. Quicken is in a current settlement status with the Department of Justice for making many of these types of bad predatory loans.
Product: Credit reporting or other personal consumer reports

None of these belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, and XXXX several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE INQUIRIES ON MY CREDIT REPORT I DID NOT AUTHORIZED MOST OF THEM ARE ON HE SAME DATE XX/XX/year>XXXX  LIKE THEM REMOVED PLEASE
Product: Credit card or prepaid card

ON XXXX, I settled an account with America Express. Updates are sent by by American Express on the XXXX of each month. American Express has deliberately failed to update the credit bureau and continues to add negative entries on my credit report, which is continuing to lower my score and prevent us from refinancing our home. 

When I contact American Express, they state that the account has been settled and nothing else is owed, however, they refuse to update the bureau. They keep giving you additional toll free numbers to call, which each unit tells you that someone else has to take care of it and will not resolve the issue.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a small {$700.00} loan in XX/XX/year> due to an emergency. I have been paying {$170.00} bi-weekly and those payments are not even covering interest. My total due is now more than the amount I initially took out back in XXXX. I have paid back nearly {$1900.00} and the amount due continues to grow rather than decrease. As a result, this loan will never be paid off. 

This company took advantage of me and was not clear as to the interest being assessed and how it would impact the payoff of the loan. They also refuse to let me update my bank account with them unless I call and do a 3-way call with them but they never answer their calls.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that continues to appear on my credit report, despite previous disputes. This account has been verified and updated multiple times, yet there are still significant errors regarding the following : Date Opened : The reported date is inconsistent across the credit bureaus. 

Date of Last Activity : The date of last activity does not match the actual account activity and varies between bureaus. 

Last Reported Date : The last reported date should be consistent across all bureaus but currently is not. 

These discrepancies are incorrect and must be corrected to reflect accurate information. According to the Fair Credit Reporting Act, all information reported must be accurate, and these errors violate my rights under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i.
Product: Debt collection

THIS REFUSED TO PROVIDE ME WITH DOCUMENTS 1.The amount of the alleged debt.

2.The name of the creditor to whom the debt is owed.

3.A copy of the original contract or agreement that created the debt.

4.Any judgment details if applicable.

5.Proof that you are licensed to collect debts in my state.