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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXXExperian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I am contacting you in regards to my Wells Fargo Credit Card, I have contacted wells fargo XXXX times in reference to getting a lower interest rate on my credit card, they state that they do n't negotiate the rate at this time but they are unable to provide any further information in regards to this. This also are having trouble producing the terms and conditions that i " signed '. I would have never committed myself to something with an interest rate of XXXX prime. After calling wells fargo customer service and executive office i have gotten no where in fact the last rep hung up on me. I have been keeping detailed names of everyone that i have talked to and am shocked at the level of customer service provided by the reps. It seems like they are doing something shaddy to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have been involved in Several Data Breaches XXXX  XXXX, XXXX and several other and have found a lot of inaccurate information far as old addresses and reporting on all XXXX credit bureaus. Please investigate.
Product: Debt collection

My mother was on the phone with me the first time I called, XXXX hung up on me even when I gave authorization for her to listen. She called back and asked to speak with a supervisor who hung up on her, she called back again and XXXX was speaking in XXXX, my mother advised her we speak English and why she was calling XXXX hung up on her again.My mother called back and asked to speak to XXXX XXXX listed as the Vice President on their website XXXX said I 'm mother could n't listen to the conversation as she was giving me direction for the questions we had, he hung up on me. I called back and asked XXXX to send me the documents he had regarding this claim, he heard my mother talking to me and hung up again. 
I need a copy of the charges and how and when they were sent to me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my consumer risk report through Lexis Nexis. My clue and consumer report has an accuracies that do not verify with the correct information. My name is wrong. My address is wrong and also other consumer reporting information dealing with credit and background that needs to be updated with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed bankruptcy chapter XXXX in XXXX did not include my mortgage which at the time was regions mortgage. my loan then got sold to select portfolio services ( SPS ) and since then none of my payment history or loan information is being reported on my credit bureaus. SPS says they need a reaffirmation affidavit to report and my bankruptcy attorney says they do not that they just choose not to report the payments. i did ask SPS for a payment history which they provided for the past 3 years and am grateful for them doing that. when i called XXXX credit bureau they said they can not use this to report to the credit bureau. so i am back to square one.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I received a bill a few months back about a bill in which they had the incorrect date of birth. They said they would clear the payment, but now I have received a bill saying the account has been placed in collections. I have absolutely no idea what this company is whatsoever.
Product: Money transfer, virtual currency, or money service

My Venmo account was randomly frozen ( I still dont know whyno one will tell me ). In the years Ive used Venmo, Ive never had an issue, no payments returned, my credit card is in good standing, etc, nothing out of order. 

My last transaction was when my neighbor reimbursed me the {$200.00} I paid for our blocks bulk order of garden mulch, which comes together in one truckload, thereby avoiding a delivery fee. Suddenly my account was frozen for suspicious activity with no explanation??? Is there a problem with mulch? I even offered to send a copy of the receipt for the mulch. 

Spent hours on useless calls to reach VENMO support, always on hold, then disconnected. When I finally got through after holdin for 45 mins, they said they couldnt help me, some other team would email me. After approx 10 days, I received a highly suspicious email telling me to send a selfie photo holding my state issue ID, to a strange link in the email to unfreeze my acct?? What the heck?!?

Every GOVT Fraud Alert site says to beware of these types of scam attempts such as asking for a selfie with an ID. This is a flag for fraud & they advise NEVER to send a selfie to verify anything. Banks do NOT request selfies to verify an account, plus my bank & credit card already verified my identity. 

So, I choose to be safe & follow the XXXX, CFPB & FTC advice but my Venmo acct remains frozen & Ive given up waiting for help. If internet companies want to act like banks, they should be subject to the same rules as banks so Im writing to you.

One thing we older folks have time to do, is write a complaint when something is suspicious or will lead to more fraud. 

Please and thank you in advance, for your prompt response to this email.
Product: Debt collection

XX/XX/XXXX I sent a written debt verification/validation letter to the company about this alleged debt. It's been a XXXX  and they still haven't sent the information I asked for that, leaving the debt invalid. I had no contractual obligations to pay these liars/thiefs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX
Product: Debt collection

On XX/XX/XXXX a voicemail was left stating I needed to call this company back so they could send me a certified letter. I called back and a woman told me I owed money from an old debt. She stated if a payment was not made by XXXX then they wpuld sue me and a court cost of {$2500.00} would apply. I told her i would have to call her back. I looked on my credit report and called the actual company that this debt came from. They stated the debt was paid in full in XX/XX/2013. This company 3 way called the " so called '' debt collector. The woman got flustered and hung up. This was a horrible, scary, and time consuming experience. I would never want anyone to deal with this scam. It seemed real! The company i had paid the debt in full told me this was most likely a scam. XXXX XXXX XXXX was the scam company here is there info : XXXX  Ext XXXX XXXX
Product: Checking or savings account

My XXXX bank accounts were closed on XXXX, XXXX  with an explanation. The Bank hasn't release my funds and also they don't give me a explanation to why they are holding. The only thing they say is pending. The amounts in my accounts total {>= $XXXX}.
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 U.S.C 1681. 

Account name : XXXX XXXX  XXXX XXXX # XXXX, XXXX, XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXXr # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX - Direct Loans # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Vehicle loan or lease

I have reached out to the company to get proof that the reporting information is correct and they will not send me anything back. I 've contacted them by mail with certified letters and still ca n't get a response.
Product: Mortgage

This is just the tip of the iceburg -- there inability to process or track simple payment is more than negligent. In XXXX XXXX Mr.Cooper ( formerly NationStar XXXX provided final payoff amount and instructions. I provided requested Cashiers Check via USPS which MrCooper signed for on XXXX XXXX XXXX. For 2 months MrCooper has been claiming Cashiers Check was invalid, 1st they didnt have it, then NSF ( insufficient funds ), then 'return to maker '. This is even after I provided proof they received funds, endorsed, submitted it to my bank, and my bank fully reconciled cashiers check. The people at MrCooper did n't seem to understand how a cashiers check is different from personal check ; they were unable to provide proof nor front/back copy of check. Long story short, I think I figured out they actually did cash cashiers check, then tried to fraudulently submit it a second time which is what my bank rejected. Even after I provided proof of their actions they continued to claim my loan account was not paid. They demanded I send them another cashiers check. If you read on complaint web sites, you will see this follows there standard policy of delay, delay, delay in an attempt to extract more and more money. 

I would request to speak with a supervisor and Mr.Cooper would transfer me. I 've gone 5 or more levels up their supervisor chain and person on phone told me they were a supervisor with Executive Customer Support. I suspect that in reality all of the over 13 people I talked with were all first level support and not supervisors. 

Additional documentation is available
Product: Credit card or prepaid card

Unfortunately, I have moved three times in the last 10 months, after my husband filed for divorce. I hate airing my dirty laundry, and being the one with the sob story, but here it goes ; again. I tried explaining this to Citi card, after not receiving my bill for months. I had my mail forwarded with USPS ( multiple times ). Understandably, a few of my bills have been lost and/or never received. This applies to my Citi card. Let me also add, I am no longer even possession of this card. It wasn't stolen, but I cut it up and threw it away a long time ago. The only reason I was ever made aware of this default account is getting an email from XXXX. I have received ZERO phone calls/voicemails advising me of my overdue/late payment. I now have hundreds of dollars in late fees with Citi. I made a minimum payment ( {$300.00} ) today, the same day I received notification from XXXX, over the phone with Citi. I asked the customer service representative if she could remove the previous late fees, due to unfortunate hardship and my bills being lost in the mail. She was able to remove one. ONE. I have incurred a monthly late fee of {$25.00} since XX/XX/2018. In late fees alone, that is {$150.00}. That doesn't include the interest rate that these late fees have incurred. I offered to pay off my entire account ( {$950.00} ) in-lieu of getting the late fees removed. The answer was no. I requested to speak with a supervisor, explained my pathetic situation again, and was again told no. How is it right that I am being punished for something ( the mail ) out of my control. I did what I thought was right by having my address changed with USPS. I called immediately once I was notified of my default account and made a payment over the phone. Do we not have any forgiveness for people that are going through a hard time? I can't afford these late fees. I can't afford the interest that has been incurred in addition to these late fees. I'm a single mother with a XXXX year old boy. A XXXX year old boy that has had to move three times in the last 10 months. I haven't used that card in years ; the card was originally an XXXX with XXXX. Citi Card is a multi-million dollar enterprise. My measly {$950.00} balance will get paid, by me. Do what is right and remove the {$150.00} late fees.
Product: Debt collection

Around XX/XX/2020 I called company to resolve a debt, I asked if we could come to an agreement to have debt resolved and they replied yes. I also asked if they would remove debt collection from my credit report and they also agreed that I will no longer see the debt on my credit report as long as I paid the amount we agreed for me to pay. I paid the amount and called the company back because I continued to see the debt on my credit report. I just would like for them to remove the debt from all three credit report agencies.
Product: Checking or savings account

I am writing to express my deep frustration and disappointment with an ongoing issue involving Capital One Bank, which has left me unable to access my direct deposit funds due to a reported technical problem with a third-party vendor. 
As a customer who depends on Capital One to reliably manage my financial transactions, this situation is causing significant hardship. I receive direct deposit from my employer, and my account is set up for automatic withdrawals to cover essential bills, including my mortgage and car payment. However, due to this technical issue, the funds have not been posted to my account, leaving me unable to meet my financial obligations. 
This delay is creating a chain reaction of consequences : I am now at risk of incurring late fees. 
Late payments will negatively impact my credit report, potentially staying on my record for two years. 
This issue is placing me in a severe financial bind, as I live paycheck to paycheck. 
Despite Capital One acknowledging the problem and stating in an email that the issue would be resolved by Friday, XX/XX/year>, the problem persists as of this morning. To my knowledge, no backup plan has been implemented by Capital One to address the immediate needs of customers like me who are unfairly affected by this situation. 
This is not just an inconvenienceit is a failure in service delivery that has left my hard-earned funds in limbo. My employer has fulfilled their obligation by paying me for my services, yet Capital Ones technical issue has prevented me from accessing my money. 
As a loyal customer since their merger with ING Direct, I expected better. I am deeply disappointed by the lack of proactive measures and urgency in resolving this matter. 
I am requesting the CFPBs intervention to address this issue promptly and hold Capital One accountable for their failure to ensure customers access to their funds. My financial stability and creditworthiness are at stake, and I hope for your assistance in bringing this matter to a fair and swift resolution. 
Thank you for your attention and advocacy. Please feel free to contact me for further details.
Product: Credit card or prepaid card

This is really a general complaint about the recent decision made by XXXX and Citigroup to give a hard time to any retailers conducting lawful firearm-related business activities. 

I am a regular customer to both banks and feel powerless to be able say anything, I can just see my concerns being ignored letting them know how I feel about it. 

There's no need for them to make a political move like this, and doesn't change anything anyways, for example background checks are already required in most circumstances.

I don't think these 2 large financial institutions should be getting involved with this.

I hope this gets to the right place and helps encourage a focus on responsible financial business practise. 

Thanks,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX XXXX XXXX  ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX