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

My account and my personal information was used by fraudsters to gain access to my checking accounts. They also had access to my debit cards information including my PIN. It was easy for them to compromise my bank accounts. Twice XXXX XXXX XXXX XXXX has closed my checking accounts, and in three occasions they have cancelled and reissued my debit cards this year alone. As a result of this theft and my account being compromised I couldnt meet my obligations to my creditors on my due dates as the money meant to pay my creditors were withdrawn before my monthly payments were processed. So the funds that were meant to take care of my bills had disappeared from my account. This also led to my accounts being late for the first time with a number of creditors reporting late on my credit I have worked very hard to build. I now have a new checking account from XXXX XXXX and I am just now trying to restore my credibility back up. The Creditors affected are : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX My line of credit with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and my utility bills. 
I contacted each creditor to request that they show understanding, due to the theft that happened to my checking account on XX/XX/2023, with proof from my bank XXXX, not to report any late credit reporting on my credit report as I work hard to catch up with my payments. But as it turned out they still went ahead and reported those late payments. As a result of this terrible incident my credit is now at its lowest best and have dented my hopes of doing business that will bring in revenue for my livelihood and that of my family. I am therefore requesting with immediate effect that these lates be removed immediate from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

BARCLAYS ACT # XXXXX XXXX 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... 

SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED BARCLAYS ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. 
I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX In the file you maintain under my Social Security number.Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is $ XXXX XXXX I challenge the accuracy, compliance and reportability of this account. As I was a victim of identity thief. 

Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent
Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press releaseincluding documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok on XX/XX/2018 a guy from XXXX came to Estimate hiw much it will cost for a tub replacement. He said I can get a discount if I provide him with my SSN which I did. Then he told me that I can not get the discount because I was not qualified for it. Come to find out he lied and it was for a finance check to see if I can get finance for the replacement. Well I reported XXXX and because of all the lies the guy told me, XXXX gave me the replacement for free which was a {$5300.00} tub free. Well I just checked my XXXX XXXX and it shows for hard inquiries that Hrac/Hampton Road for home improvement on the date : XX/XX/2018 still shows on my credit report which should not show because I never gave permission to check or apply for fiance that is why I got a free tub and the guy was fired to begin with. I contact Hampton at XXXX and they told me that because I signed the paper, they can not remove if my credit. I told him that I have XXXX  and that I can not read or write that will and that the XXXX  guy told me what I was signing which was not a financial or a financing paper. That is also why I got a free bath from XXXX   because it was a violation that they did agenst persons with XXXX from the ADA. Now I have to go though all this once more because this is showing up on my report which they had no business asked for in the first place. Now I thought my business with XXXX was over now I have to fight to remove this from my credit which I never gave them permission to start with. I am asking for {>= $1,000,000} for pain and suffering because I have alot of XXXX  XXXX and this is efficient this is a major way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX XXXX - - Court US BKPT -  Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual I have called the courthouse and the clerk stated that they don't verify information with the credit bureau. I contacted XXXX   XXXX XX/XX/2019, spoke with a rep that stated that the information was put on by the creditor, I asked her who is the creditor and she stated the US Bankruptcy court, which the court advised me that they don't verify information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I purchased a vehicle at a XXXX XXXX XXXX XXXX in XXXX Arkansas. As is the case when you finance a car, XXXX had apparently reached out to multiple lenders to find me the best Auto Finance Rate. My concern is that Transunion is showing this as 7 Hard Inquires on my credit report rather than 1 Hard Inquiry, which is affecting my credit score ( The more Hard inquires in 2 years, the more it impacts your credit score ). 

When calling Transunion, they assure me that this is only looked at as 1 hard inquiry, however, My credit report, as well as all of the current credit cards I have show which provide free credit scores show this as 7 hard inquiries and that it is in fact impacting my credit score. 

Both XXXX  and XXXX  have this as one hard pull but Transunion is not doing anything to correct this reporting I ended up securing the loan thru XXXX XXXX XXXX
Product: Credit card or prepaid card

For as long as automatic payments by my bank were available, ( at least 10 years ) I have used that system to pay my bills. I have been paying my Capital One business credit card by auto payment since XXXX of 2014. Last year Capital One raised my interest rate to 30.4 % due to two payments being a couple of days late. I contacted Capital One and my bank and told them that one or the other of them was to blame. I had not made any changes to my auto pay process. Capital One admitted that they may have been responsible so they credited the account some money to compensate for the error. However, they left the penalty interest rate intact. I called them today and complained again and they said there was nothing in the world they could do to help me. I can prove by my credit report that I have never in my entire life had a single " late '' payment or derogatory remark on my credit history over thirty one separate accounts. I am livid that a company can arbitrarily raise interest rates to a usury level even if a payment was a couple of days late possibly due to the mail delivery.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Re : Account number : # XXXX Dear Portfolio Recovery Associates, Thank you for your recent response dated [ XX/XX/year> ], but I must express my continued dissatisfaction with the handling of this matter. You have failed to address key points in my dispute, and I am demanding further clarification and action. 
Firstly, your response fails to provide any proof of a signed contractual agreement between myself and your company, which is required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). This documentation is necessary to substantiate your claim that I owe this debt and that Portfolio Recovery Associates has the legal right to collect on it. 
Additionally, as a " Debt Buyer, '' you must provide proof of legal ownership of the debt. I have reason to believe the original creditor has already written off this debt as uncollectible, which calls into question your standing to collect on it. According to IRS guidelines and 15 U.S.C. 1692a ( 5 ), if the original creditor has been compensated for this debt via a tax write-off, it is not a valid debt for collection. You have failed to address this concern in your response. 
Furthermore, while you claim to furnish information to credit reporting agencies in compliance with the Fair Credit Reporting Act ( FCRA ), this does not absolve you of your responsibility to ensure the accuracy and validation of the information you report. If you can not verify the accuracy of the reported information, the credit reporting agencies are required to remove the entry. I demand that you either validate this debt or remove it from my credit report. 
Regarding the XXXX XXXX ( XXXX ), while you claim that you are not required to provide opt-out notices, I disagree. Under 15 U.S.C. 6801, consumers are entitled to opt-out of having their personal financial information shared with non-affiliated third parties. Your failure to provide me with the necessary opt-out information violates this statute, and your response does not adequately address this issue. 
Given the continued lack of documentation and compliance with federal law, I am once again demanding the immediate deletion of this account from all consumer reporting agencies. Failure to comply with this request will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. I will also seek legal counsel to protect my rights if necessary. 
Please confirm in writing that this account has been deleted from my credit report. I expect a response within 15 days of receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a pre approval for auto loan and I applied to be pre approved and the score theyre saying I have is an almost 100 point difference than my XXXX with all the credit bureaus. My score ranges from 613-630 but the denial letter for the application has me at a FICO score of XXXX. The denial letter listed alll of the credit bureaus so Im not certain why these give false information to XXXX XXXX when determining me for a car loan. Getting a pre approval is kind of misleading as XXXX XXXX invited me. I also hv a credit card with them that Ive paid on a consistent basis. I dont know why my score is so low when they pulled my score and why Im being denied.
Product: Credit card or prepaid card

Froze account because of identity these now I can't access benefits because ex boyfriend stole identity and can't get ncdl until after XXXX. XXXX XXXX XXXX Bank of America prepaid for XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Lockhart , Morris & Mont has willfully violated federal law by attempting to collect and report a fraudulent medical debt that was fully covered by my VA insurance, despite knowing that this debt is invalid and uncollectible. This is a blatant case of fraud, false misrepresentation, and illegal debt collection practices under the FDCPA, FCRA, and CFPB guidelines.

Violations Committed by Lockhart , Morris & Mont : 1. Fraudulent Collection & False Representation ( 15 U.S.C. 1692e ) Lockhart , Morris & Mont falsely represented a debt that does not exist, as it was fully covered by my VA insurance.

Knowingly attempting to collect a non-existent debt constitutes fraud and deceptive collection practices, violating 15 U.S.C. 1692e ( 2 ) ( A ) ( false representation of the character or legal status of a debt ). 
Reporting a fraudulent debt to the credit bureaus damages my credit standing, amounting to defamation and financial injury. 
2. Illegal Reporting of a Medical Debt ( 15 U.S.C. 1681s-2 ( a ) ) CFPB has ruled that medical debts should NOT be included on credit reports, yet Lockhart, Morris & Mont illegally furnished this debt to the credit bureaus.

This violates 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits furnishing inaccurate or unverifiable information.

3. Failure to Verify the Debt Before Reporting ( 15 U.S.C. 1681s-2 ( b ) ) Lockhart, Morris & Mont failed to properly verify this debt before reporting it.

Under 15 U.S.C. 1681s-2 ( b ), data furnishers must conduct an investigation when a consumer disputes a debt.

Since this debt was fully covered by my VA insurance, Lockhart , Morris & Mont failed to meet the basic standard of verification before placing this fraudulent account on my credit report.

4. Failure to Notate the Account as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) I disputed this account more than 30 days ago, yet Lockhart, Morris & Mont has failed to mark the account as disputed, violating 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Knowingly failing to report an account as disputed is a direct violation of the FCRA, making them liable for damages under 15 U.S.C. 1681n ( willful noncompliance ).

5. Unlawful Collection Practices Attempting to Collect an Invalid Debt ( 15 U.S.C. 1692f ) Any attempt to collect, report, or leverage this invalid debt constitutes an unfair and unconscionable means of collection under 15 U.S.C. 1692f.

Lockhart , Morris & Mont acted in bad faith by knowingly engaging in fraudulent collection practices.
Product: Credit card

Hi, I am a XXXX XXXX and have experienced financial issues due to my service connected XXXX. I have setup a settlement agreement with Chase Freedom card where I paid XXXX for four payments. I made all 4 of those payments. I even called Chase freedom settlement department to confirm that the last one went through and they said yes everything looks great because the last payment had to be on an XX/XX/XXXX per the settlement agreement. On XX/XX/ I check the account and expected to be XXXX balance and noticed the account was XXXX. I checked and it showed XXXX was returned because of insufficient funds. I tried calling the department back to get this resolved because the person I called stated the last payment was posted on their account. The person I talk to the second time advised there is nothing they can do and the account will be charged off. I stated to them how is this my fault when you returned the last payment to me on the last day and did not notified me of this so it can be fixed immediately.
Product: Vehicle loan or lease

Westlake financial bought out my loan on my XXXX  i make my payments on time but they call me all through the day and night even on Sunday 's wanting me to give my bank account information so they can automatically withdraw the money I don't trust them so I send a personal check and they keep saying if I don't give my info they are going to report my XXXX  and all payments are current and I have the checks to show it
Product: Debt collection

I received this email with an attachment which I do not want to open. They portray themselves as an employment agency with the title for their LLC as " sourcing and Support ''. This is false pretense & whoever approved the LLC name and nature of business should be fired. Also, there was no option for communication tactics that rules over email communication. I am not opening the attachment nor calling the numbers. I would like a cease filed on this company as email communication is a breach of security practices under the FDCPA privacy act. My laptop is connected to my work and now they can all see my personal information. I would like to know how they are able to communicate by email, they also do not state the fdcpa " this is an attempt to collect a debt.. '' '' '' Here is the body of the email but I am not opening the attachment to copy that and I do n't see a way to attach it. Nor did I give anyone permission from Vantage for email communication. 

" Dear XXXX XXXX, In the interest of getting this notice to you as quickly as possible, we thought you would appreciate receiving it in an email. Our records indicate that we have your permission to communicate with you at this email address. 
If you are not XXXX XXXX, please click here or call us at ( XXXX ) XXXX to remove your email from our mailing list. 
If you are XXXX XXXX and you do not wish to communicate through email, please click here or call us at ( XXXX ) XXXX to receive no further email communications. 
To maintain security and for your protection, we have securely encrypted the attached document. To open the PDF attachment to this email, you will be asked to enter the last XXXX digits of your social security number as your password. We look forward to speaking to you soon at ( XXXX ) XXXX. 
Thank you, Vantage Sourcing Service & Support TeamPlease do not reply to this email, as it was sent from an unattended mailbox. 
CONFIDENTIALITY NOTE : The information transmitted, including attachments, is intended only for the person ( s ) or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this information. 
Get XXXX XXXX XXXX XXXX attachment XXXX
Product: Credit card

I hold a Citibank Access More Card, and I have been an inactive customer, not having used my card for several months. Due to family medical reasons, I relocated to XXXX permanently from the US in XX/XX/2016. Approximately in XX/XX/XXXX/XX/XX/2016, I logged in online to close my Access More credit card account since I was no longer in the country. I noticed that Citibank Access More Card had assessed me an annual fee in XXXX. I called the bank and requested them to cancel the card, which they did. I have recently checked my Citibank credit card accounts again, and to my horror, have noticed that Access More card is reporting me as being delinquent on my credit card account ( 72 days delinquent ), because of annual fee not being paid!! When I called in, a customer care representative explained that because I had not asked for the card to be canceled within 30 days after the XXXX was assessed, they could not undo the " full '' XXXX before canceling the card, and hence a partial amount remained on the card, and my account went into delinquency!! This aspect / possibility was not at all explained to me when I had called into cancel my card. To my knowledge, the card had closed successfully. Citibank says that it sent notices to my brother 's mailing address which i had provided as a US address for the purpose of financial statements. However, to my knowledge I had closed the card properly, and the last thing I expect is delinquency notices from an account that I believed I closed properly. To add insult to injury, as I was trying to fix this issue, the customer representative offered to put me through to Collections department. It is utterly irresponsible, and exploitative, and predatory, on the part of Citibank to assess Annual fees on inactive accounts, and based on a technicality, to push an inactive account into delinquency!! Such practices should be banned, and employees who dream up such " Gotcha '' moves should be sent to jail for the anguish they cause customers. I request CFPB to order Citibank to restore me to " current '' status, and close out my account properly, without any delinquency flags which will impact my credit record adversely. Thank you.