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

My name is XXXX XXXX XXXX, and my account number is XXXX. I have been a satisfied and loyal customer of capital one for six years. Additionally, this account was my very first account I opened after graduating college. 

Your outstanding customer service provided is the reason I have remained a loyal customer. I considered it a priority to make all my payments on time for thirty-thre months. Unfortunately, I fell short of my standards when it came time for me to update my checking information for my automatic payments. 

During the time I opened my first credit card account establishing credit my account was suspended because I was in a car accident, and I was hospitalized for a month, while been hospitalized I had to replace my debit card because all my items were lost from the car accident. While being hospitalized I was not able to update my payment information and my account had fell past due for missed payment. 

I realized it was still my responsibility to make my payments and update my information. Since then, I have recovered and made the payment following the account suspension. 

As a longtime customer and currently in good standing, I respectfully request that you apply a goodwill adjustment on the late payments from my file with all three credit reporting agencies, as im seeking to pay the account off in full XX/XX/2023. 

Thank you very much for your consideration. I look forward to continuing being a satisfied customer of capital one.
Product: Credit card

Thank you for helping and looking into this situation > I am reporting unauthorized charges made to my XXXX account through XXXX, which I did not authorize and which occurred while I was asleep. On XX/XX/year>, I woke up to find XXXX charges of {$1.00} each from XXXX. I do not know what this merchant is, and I never purchased anything from them especially not while I was asleep. 

When I tried to dispute these transactions on XXXX, it showed the charges as if they occurred on XX/XX/XXXX, even though I saw them post to my account on XX/XX/XXXX. Then it refused to allow me to dispute them, claiming, You can not dispute this type of transaction. This makes absolutely no sense these were unauthorized charges, and XXXX is blocking me from reporting them properly. 

I also tried to block the merchant to prevent future charges, but the bot said that I have no recurring payments set up, so it would not block XXXX or XXXX from charging me again. I do not have my XXXX account linked to any XXXX accounts as far as I know, so I have no idea why XXXX is able to access my account at all. 

I attempted to contact XXXX through their " Message Us '' option, but I was only connected to a bot that gave an inaccurate and nonsensical response, saying an agent would be available on XX/XX/XXXX at XXXX even though it was already past XXXX on XX/XX/XXXX when I was messaging. No real human ever came into the chat, and the system would not help me no matter what I typed. 

I am extremely frustrated, outraged, and concerned that both XXXX and XXXX are refusing to take accountability or protect my financial information. 

I am requesting the following : A full investigation into the unauthorized charges from XXXX A refund of these charges A block placed on my account to prevent any future Google-related transactions XXXX response from a real human representative not an AI system.
Product: Student loan

Navient .... do I need to say more!   They have harassed our EX-in-laws to death!  XXXX  &  XXXX   XXXX .    XXXX . The  XXXX  are now threatening legal action against  US!    YES! My daughter  XXXX   XXXX  -  XXXX  owes this company LOTS of student loan money. She is an UN-employed  XXXX  living  XXXX  knows where!   When she was employed she made her payment timely. When she was n  't, Navient would n't work with her for a repayment plan - without her co signers last 6 mos. of bank statement and paycheck stubs!!!!! WHY would they need MY financial history when SHE is willing to re-pay?? I am in bankruptcy and my house is in foreclosure. I am on a medical leave and have n't received a paycheck in 5 months.
You cant get blood from a turnip! If Navient practiced   the same repayment plan as ANY federal loan  - Meaning Federal  loans in repayment are so easily negotiated.   Instead Navient hounds, humiliated and harasses!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A NEW DISPUTE EXPERIAN!!! I have attempted XXXX times prior to this dispute with CFPB and have called into customer service with CFPB about this dispute. Experian continues to close the case upon receiving this dispute. AGAIN, this is a " NEW DISPUTE ''. My car was totaled in XX/XX/2020 and XXXX has been PAID IN FULL for the vehicle. XXXX has reported the car 30 days late last week and they have received a LUMP SUM check for the car. EXPERIAN continues to say, I have disputed 30 day late notices in the last 90 days BUT THIS IS NOT THE CASE. MY ISSUE IS THAT THE CAR has been paid and as of the XXXX of XXXX Experian is showing a 30 day late payment WHICH IS ERRENEOUS. I CAN NOT DISPUTE ONLINE with EXPERIAN and THEY CONTINUE TO CLOSE THIS DISPUTE OUT EACH TIME I CONTACT CFPB with is illegal because they are stating they have resolved my DISPUTE AND IN FACT THEY HAVE NOT .... BECAUSE THIS DISPUTE JUST ARISED ON THE XXXX of THIS MONTH. I WANT EXPERIAN HELD ACCOUNTABLE FOR PROVIDING FALSE INFORMATION TO CFPB and TO ME Stating the issue is resolved and they KNOWINGLY AND WILLINGLY ARE PROVIDING FALSE INFORMATION which is a VIOLATION OF FDCPA RULES for consumer protection.
Product: Credit reporting

Experian allowed XXXX to open a credit card for me even though I have my account locked. I am not allowed to use it myself, not even for my social security information, so why would Experian allow a bank to open a card on my behalf. I never registered the card and did not want it. Now it 's on my credit reference as opened and then closed, which will reflect poorly on me. I am appalled that it was opened without my authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX 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 a Account with my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the accounts in question : XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX Credit acceptance co account number XXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a call from National Credit Adjustors about my account. I agreed to pay the account in the amount of {$610.00} if they deleted from my credit report as it was reporting in collections. They agreed. The payment cleared my account and they are still reporting my account in collections. The resolution I want is for it to be removed from all 3 of my credit reports. I have called several times and had have no luck with getting them to cooperate with their agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit report and I have disputed these information with all three bureaus. Only XXXX  has complied and blocked the information, however XXXX  and TransUnion have failed to comply with the FCRA and remove these accounts. I have filed a police report with XXXX and also a FTC report and forwarded them to the bureaus, however they keep making unreasonable and unrealistic statements such as the report not being valid. Please investigate this issue and help me have these accounts removed
Product: Credit card or prepaid card

In XX/XX/XXXX, after resolving fraudulent magazine charges on my account and ensuring the balance was {$0.00}, I spoke with a customer service representative and requested my account be closed. I was assured at that time the account was closed. On XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX, stating that my account had been closed because it was more than 90 days past due. I immediately called the company and was told there had been an {$8.00} charge placed on my account on XX/XX/XXXX, ONE MONTH AFTER I WAS TOLD THE ACCOUNT HAD BEEN CLOSED. I had not received one billing statement in the mail between XX/XX/XXXX and XX/XX/XXXX notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card monthly and had been in good standing with Barclaycard. When I spoke with the Barclaycard representative on the phone, I was given a case number and told they would pursue this as a dispute ( rather than a fraudulent charge ). I received a letter from Barclaycard dated XX/XX/XXXX with the case number for the dispute saying they would let me know when they had completed their review. Then I received another letter from Barclaycard dated XX/XX/XXXX stating that they were unable to obtain credit for the fraudulent charge because it was " beyond timeframes to assist. '' The day I received that letter XXXX XX/XX/XXXX XXXX, I phoned the magazine company myself about the fraudulent charge, and they agreed to remove the {$8.00} charge from my account within 3 business days. I called Barclaycard on XX/XX/XXXX to verify that the charge had been removed and was told that the original {$8.00} charge had been credited and that all interest and fees incurred as a result of that charge ( which by now totaled > {$130.00} XXXX would be removed from the account and that the account would remain closed. TWO DAYS LATER, on XX/XX/XXXX, I was quite surprised and shocked to receive an email from Barclaycard about making a payment when I had been told 2 days prior that the account had a XXXX   balance and was closed. I called Barclaycard again on XX/XX/XXXX and am now being told that they will not remove the late fees and interest charged to this account since XXXX because it was greater than 3 months. I refuse to pay interest and late fees for a fraudulent {$8.00} charge that has now been removed from an account that was supposed to be closed. The delinquency charges on my account should lawfully be removed and this information should be reported to the credit bureau for the following reasons : 1 ) The charge was made after the account had been closed. 2 ) I did not receive a billing statement notifying me of these charges. 3 ) A Barclaycard representative agreed on XX/XX/XXXX to remove all charges/late fees but then failed to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To : Innovis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear Innovis, XXXX, XXXX XXXX and XXXX, I XXXX XXXX XXXX XXXX a natural person , am formally submitting this dispute regarding the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly disputed these violations, yet my requests for a proper investigation have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable investigation violates my rights under federal law.

One of the primary inaccuracies pertains to my account with XXXX XXXX XXXX. Specifically, this account does not list my payment history, yet it has been reported as negative on my consumer file. Additionally, you have failed to provide me with verifiable proof of the alleged late payments in a timely fashion before reporting such derogatory information on my consumer report. 


Your failure to investigate and correct these inaccuracies is in direct violation of 15 U.S. Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I am formally demanding : 1. Immediate removal of the inaccurate accounts and negative marks associated with my XXXX XXXX XXXX account and any other unverifiable information. 
XXXX. A detailed explanation and proof of how and when you verified the accuracy of these reported items. 
XXXX. A complete reinvestigation into all disputed items to ensure full compliance with federal regulations. 

Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to protect my rights. 

I expect a response to this formal complaint within 30 days as required by federal law. Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

Sincerely, XXXX XXXX
Product: Mortgage

Basically Chase Bank foreclosed on my property in XXXX XXXX in the middle of a loan modification/deed-in-lieu agreement. I never heard from my assigned caseworker either, an XXXX XXXX XXXX who I believe was derelict in her duties to me as the consumer looking for help to save my property. This property was a post-divorce property settlement issue and my ex-spouse continued to live there after our divorce in XXXX, allowed the house to fall close to foreclosure XXXX or XXXX times, then stopped paying altogether in XXXX. He and I went to court so I could simply request the property be listed for sale and he objected ( while not paying mortgage and I paid rent somewhere else ) so we went to the XXXX Superior Court, XXXX Civil Supreme and XXXX Appellate then XXXX eviction court. I kept Chase apprised of my intent to deed the house over to them and they kept telling me to continue with the litigation and they 'would work with me '. I won in each state and spent well over {$35000.00} of my own personal money to get the deadbeat evicted for Chase, listed it for short sale in XXXX with a realtor per their request for one year, then after the contract expired I kept up with the modification paperwork as I never heard from them, and now this very upsetting final ending. I am disgusted that Chase would steal my home from me while in the middle of a loan modification. I protested via fax before the house was actually foreclosed as we were/are in the middle of a modification. I am the sole deed-holder ( or was ) and just called FHA and they said even though I had contacted them in the past, they did not have this property on their records. I heard of a case in XXXX where a woman is suing Chase for the very same thing so I sense a 'pattern of bait-and-switch modification agreements to avoid foreclosure ' and feel obliged to report their very bad processes and behavior regarding my loan. I have plenty of documentation to share my story when ready - too much to go through after dealing with that 'bank '.
Product: Debt collection

Comenity calls me all night and day from restricted numbers. The last time they called, I picked up the call and asked them to stop contacting me. The lady, who sounded of XXXX  XXXX descent refused and started to use abusive language.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent tradeline on my credit report and to raise serious concerns about TransUnions failure to meet its obligations under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) judgment. The account listed as XXXX XXXX XXXX is not mine and is the result of identity theft and deceptive practices.

Additionally, I am aware of the CFPBs recent judgment against TransUnion for failing to provide accurate and fair reporting of consumer credit information. This judgment further underscores the importance of ensuring my credit report is corrected promptly.

I have already filed an FTC Identity Theft Report regarding this fraudulent account, as it is an illegal debt. I strongly urge TransUnion to remove this account from my credit profile immediately.

( Creditor/Collection Agency Name : XXXX XXXX XXXX ) This debt is not mine, and its presence on my credit report is causing undue harm to my creditworthiness and reputation. XXXX XXXX XXXX has engaged in deceptive and unlawful practices, and this tradeline is in violation of federal and state laws.

To support my dispute, I have attached the following documentation : A copy of the FTC Identity Theft Report.

A copy of my credit report with the fraudulent tradeline highlighted.

A copy of my government-issued ID for verification purposes.

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally obligated to investigate disputed accounts within 30 days. I expect a prompt and thorough investigation, followed by the immediate removal of this account if it can not be verified as accurate and legitimate. Additionally, I request that TransUnion provide a detailed explanation of the investigation process and outcome in writing.This situation has caused unnecessary harm to my financial standing, and I expect TransUnion to act immediately to rectify it. Please confirm receipt of this letter and provide updates on your actions to resolve this matter. 


I also need to dispute XXXX XXXX XXXX tradeline I have attached their info below and need an investigation immediatly. 
They have not verified the debt, they have no chain of title and it is not mine please investigate and remove!
Product: Payday loan, title loan, or personal loan

I was in a panic over not being able to pay my bills, because my son, who was living with me lost his job a few months earlier and I alone was not able to pay my bills. I was short each month by the {$1000.00} my son had been paying me. I had a low credit score and already had 2 personal loans and some credit card debt. I was desperate and took out a XXXX XXXX XXXX XXXX XXXX loan for {$1000.00} in XX/XX/2018. They deducted the 1st payment on XXXX for XXXX, ( {$380.00} of that was INTEREST ) after that I would have {$480.00} taken out for the next seven months. I was able to negotiate with them to deffer my XXXX payment to the end of the loan, which helped some. 
When I finally came to my senses, I realized that over the term of the loan which was 8 months I would be paying them {$3700.00} for a loan for {$1000.00}. Can they legally charge that much interest?
Product: Debt collection

On XX/XX/2022, I received a telephone call from ( XXXX ) XXXX a XXXX XXXX they were law enforcement and I needed an attorney to immediately call them back or there would be a warrant issued for my arrest. She said her direct line is ( XXXX ) XXXX. They refused to give me their business name. They said it was in reference to HSBC. I have never received anything in writing from anyone about HSBC. I asked for them to send me proof of anything they had and I gave them my address. They refused to give me their address or fax number or email. They used threatening and profane language and are NOT complying with federal law pertaining to the Fair Debt Collection Practices Act. 

Within 5 minutes of hanging up my son, XXXX called me and said they had called him saying they were sending the police after me unless he paid them over the telephone. 

Within 10 minutes of that call my elderly sick mother, XXXX received a call from them demanding that she send them over {$3000.00} or I would be " XXXX XXXX XXXX  ''. The telephone number they called her from is ( XXXX ) XXXX but again said it was HSBC. 

I see online that others have been abused by this " company ''. Please call them and make this stop and please ensure that my rights, and those of others, are enforced and that this company is made to comply with Federal Law. 

I am XXXX battling XXXX and I don't need to be abused by this " company ''.
Product: Debt collection

According to the fair credit reporting act ( FCRA ) 15 U.S.C 1681 all unverified and inaccurate information most be promptly DELETED please provide me all information your bureau used to verify this inaccuracy of a closed account. Non compliance with the request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE my legal team to file complaints with FTC, CFPB, ATTORNEY GENERAL of North Carolina all with any further legal action we deem necessary including but not limited to civil punitive damages. 

Please provide me a updated copy of my credit report upon completion of investigation
Product: Mortgage

ON XXXX 2016 XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERFORM TRUSTEE SALE ON BEHALF OF MY BENEFICIARY -LENDER WELLS FARGO BANK & MORTGAGE XXXX XXXX XXXX IN THE STATE OF XXXX IN THE FRONT OF JUDGE XXXX XXXX AT THE JUDICIAL BRANCH OF XXXX UNDER CASE # XXXX FOR PARCEL # XXXX ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THEY WERE REPRESENTED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHEN THEY SOLD IT IMMEDIATLY TO XXXX IN THE XXXX. THE ENTIRE SALE IS SCAM BETWEEN WELLS FARGO, XXXX & XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sent letter to both the creditors and furnishing companies XXXX, did not recieve a response
Product: Money transfers

my father XXXX XXXX from XXXX XXXX XXXX sent me XXXX through Money gram and the reference number did not work.