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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Went back several times its included in the pictures. Payments and overage.. {$5100.00} on reimbursement plus payments. Company did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Summer of XXXX I had fraudulent charges on a Citibank Visa credit card. The charges were dropped by Citibank all but {$2.00} that were left on my account. I was charged late fees for charges Citibank said I did not owe on. Multiple phone calls were placed and received, concluding that I was fine and no further action would be taken. Six months later I received a call from collections asking for roughly {$65.00} owed to Citibank. I explained the story and they sent the charges back to Citibank where I attempted to resolve the issue further. Upon purchasing my condo in XX/XX/XXXX, I realized my credit score took a hit for being 120+ weeks delinquent for a {$2.00} write-off. This has directly affected my interest rate on my property and other purchases that I can not get approved on. I have exhausted all angles to resolve the issue with Citibank. They have made it impossible to reach a department that can make this right. I 've had credit cards for over 10 years and have never been delinquent on payments.
Product: Mortgage

At Select Servicing Portfolio we went on a COVID 19 forbearance plan. When it ended they demanded a lump sum to make up for the plan. I applied for assistance through their assistance program and they denied it for a modification with no explanation as how they arrived at their decision. Our housing counselor reviewed the response and helped us with the appeal. We asked for specific information about how they came to their denial. We are not asking for a principal/interest reduction only that payments resume as they were before the forbearance. 

Also one thing I noticed is that they have our income at {$1300.00} per month but we estimated about {$2400.00} per month in income. That could be the reason it is being denied.
Product: Checking or savings account

On XXXX I opened an online money market savings account. They sent me XXXX deposit into my regular checking in which I needed to verify online with them. Numerous times I could not access the account but when I did there was no field in which to verify. I contacted them by phone and online chat and they said they were having system issues. Uncomfortable with their whole process I wanted to close the account. When I tried to close when I did have access to the site again it would repeated go down again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX To Whom It May Concern I XXXX XXXX Have XXXX Hard Inquiries That are reporting on my Transunion report I Do not recognize these inquiries never made these inquiries I will like for them to be Removed from my Credit Report Thanks. 



HARD INQUIRIES XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 2021
Product: Credit card or prepaid card

Dear CFPB, Today I contacted Wells Fargo Bank again, and the call lasted for XXXX XXXX. They informed me that they have processed the following XXXX transactions and provided claim IDs : XXXX XXXX XXXX XXXX However, the issue is that when I asked whether I need to pay these pending claims next month, they kept transferring me to different departments without providing an answer. Finally, they told me that these claims are still waiting for me to provide documentation! 

I have already mentioned that I reported each claim to the bank over the phone, providing all the specific information based on the questions they asked. Yet, they refuse to process them and continue delaying intentionally. They claim that I havent provided the information, but how is it possible when I already have the claim IDs? It is clear that this bank is taking money without taking action! 

I hope the authorities will step in to supervise and address the disgraceful behavior of this unscrupulous bank!
Product: Other financial service

I contacted Nationwide Doc Prep to get help with my student loans and they gave me false information, wanted my personal information, which I gave them, wanted to be paid up front without the promise of any written details, and told me I qualify for public service loan forgiveness even though I only drill once a month and am not employed full-time in public service. Their number is XXXX. I spoke to XXXX at ext XXXX.
Product: Debt collection

I have been attempting to contact Jefferson Capital Systems for the past 2 months. Every time I call, I get an automated phone system. I follow the prompts to talk to a customer service rep, and the system disconnects me. It does not even put me on hold in a queue. I am XXXX  working for the XXXX as a XXXX, and I make the effort of staying up late to call during different times, including when they first open for business. They have no business e-mail listed for correspondence. I have attempted to use their automated system to get my account details from them, and the hopes of actually talking with someone, but every time I do their system states " We can not find an account with the information you provided '' which I used my SSN.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following inquiries were made fraudulently and are not authorized by me : Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent inquiries from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of this correction. 

Thank you for your immediate attention to this matter. I look forward to your swift response.
Product: Debt collection

I found a collection on my credit report, from Sunrise Credit Services, for XXXX XXXX XXXX XXXX. I have an account with XXXX XXXX XXXX, but have never missed a payment, or been late, and I certainly never owed them {$1400.00}. I called XXXX XXXX XXXX, who tell me they have no record of this action. I filed a dispute with XXXX  ( the only credit reporting agency that shows this collection ), and they said they contacted Sunrise, and were assured it was legitimate. ( I have filed a second dispute with XXXX. ) I called Sunrise, and explained that I did not incur this debt. They told me the address they had on file for me, which was not my address, had never been my address, and that I didn't recognize. They told me they would send me a dispute packet, that I was to fill out and return to then. I have not received a packet. ( I have requested they re-send the packet. ) Due to this fraudulent activity, and the resulting collection, I am unable to perform credit-related activity. What is the next step I can take to remove this fraudulent activity from my credit report? ( Preferably before it infiltrates my other credit reports. ) Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has 14 late accounts on my credit report which is not true. All of my accounts was paid as agreed until I filed for bankruptcy. Please remove late incorrect information off my credit report
Product: Credit card or prepaid card

Capitalone is harassment on my payment that is not due till XXXX of each month.Saying payment due by XXXX? Than they charge me without Notice {$25.00} on XXXX XXXXAbout your Platinum Card ending in XXXX Dont forget, your online payment is due by XXXX XXXX. ET on XX/XX/. Capitalone must have the meanest people working for them.I made XXXX dollar payment on XXXX of XXXX, they was only asking for XXXX dollars.See how the world is ignorant to Seniors, futhermore i the victim cfpb what does it stand for? Consumer Financial Protection right but you always let crooked companys win.Capitalone is not nice company and they wanted me to open up 360 checking account.So my social security direct deposit goes in i almost did it.But catch is must have two direct deposit.Futhermore they dont explain how i could add different payment, i tried paying earlyier on XXXX, but could not figure out, i try email, but there email was return because i/you cant send or answer emails.Just like XXXX  shop they listed in XXXX XXXX and XXXX.With impossible get hold of like capitalone.
Product: Debt collection

I received a phone call with the caller ID marked as " XXXX XXXX. '' Thinking it was XXXX because I had recently chatted with their support services, I picked up the call. The caller on the other line said something along the lines of being part of the XXXX trying to collect a debt. I immediately hung the phone up. I wanted to make sure this person was caught or something be done about these people so I filed a complaint with as well as here at the CFPB. The incoming call was named " XXXX  XXXX '' and the phone number received was from XXXX. I understand that the phone receipt information can easily be spoofed. Perhaps you can work with XXXX XXXX XXXX ( my service provider ) and run a network trace of the call made to my number ( XXXX ) by this caller at XXXX AM on XX/XX/2020, you may have a clue to whomever is behind these calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint to you today regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act Section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Sections XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account. It is not authorized to fail to authenticate this reporting account as unverified information without giving proof within the time range required by law. My credit report has incorrect information, which needs to be examined and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX XXXX, I received a letter from the Attorney Generals Office in XXXX stating that my state tax refund was being offset. I was unaware as to why, so I called on XXXX XXXX. 

The employee on the phone stated that my mortgage lender, Mr. Cooper, has not paid state property taxes for the last 3 years and I owe over {$3000.00}. Since they were taking my refund, I know owe roughly {$2400.00}. He asked if I was aware of this, and I was not. 

I called Mr. Cooper immediately following and they stated that they have paid it and they have receipts. I can see they pay no-annually through my account, however, they must not be paying it correctly. 

She then told me that she will reach out to their tax experts that deal with escrow and state property taxes and they should reach out to me via email no later than XXXX XXXX. 

I understand it is XXXX XXXX at this time, but I have no faith in this lender to do their job correctly. If they happen to resolve it beforehand, I will take down my complaint, but I dont believe that will happen. I have never missed a mortgage payment and I expect the same on their end.
Product: Credit reporting or other personal consumer reports

Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

Suddenly happen, bad bug after a dispute a year ago, was told by Equifax will be fixed in few days, been calling every week for almost a year, nothing ever get fix, they never transfer it to someone to fix it, still no Equifax report
Product: Credit card or prepaid card

On XX/XX/XXXX I called American Express ( XXXX ) to redeem cash rewards on my Blue Cash Everyday Card. The person I spoke with processed my cash rewards and encouraged me to sign up for the Blue Cash Preferred Card ( {$95.00} annual fee ). My current card has no annual fee. I said I would need to determine that the increased rewards on the card being offered would more than offset the annual fee on that card. I was told that inXX/XX/XXXX I made {$4900.00} in purchases at supermarkets and {$6000.00} at gas stations. Those figures confirmed the increased rewards more than offset the annual fee of the new card. I agreed to change to the new card. Later the same day, I thought the purchases given to me seemed excessive. I have all my statements forXX/XX/XXXX and they are available on my personal American Express credit card account page. I totaled my purchases for XX/XX/XXXX at supermarkets and gas stations at {$1800.00} and {$2100.00} respectively. I've since cancelled the change to the new card. To date I haven't incurred any loss as a result of this matter. If that changes in the future, I'll proceed settle this matter.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Vehicle loan or lease

Greetings and good morning, I was instructed to call XXXX at finBE USA on XX/XX/XXXX to obtain a copy of my original contract with the company. 
I was told that he was in a meeting then that he is on vacation. I was told that XXXX XXXX will call me back however XXXX XXXX has refused to answer any of my emails since XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One Venture X charges an annual fee of {$390.00} that can be offset annually with the {$300.00} Annual Travel Credit ( Receive up to {$300.00} back as statement credits for bookings through Capital One Travel, where youll get our best prices on thousands of options. ) and a {$100.00} Anniversary Bonus ( Get 10,000 bonus miles ( equal to {$100.00} towards travel ) every year, starting on your first anniversary. ) Capital One advertises You can use your travel rewards credit card to book any airline, anytime, anywhere with no seat restrictions or blackout dates ; however, does not offer and restricts flight options within Capital One travel. 

On XX/XX/2023, I attempted to book an airline flight through Capital One Travel ( American Airlines ). After discussing with a Capital One Travel agent on the phone, the flight options originally selected were no longer available ; however, reviewing XXXX XXXX website all flights on the trip were only half full. I proceeded to purchase the trip through XXXX XXXX instead of Capital One Travel on my Capital One Venture X Card ( You can confirm flight and seat availability through flight numbers and tickets purchased through Capital One Statement ). As this is the only trip that we will take this year, I expressed my concern with Capital One agents that I have paid an annual fee ; however, will not be able to offset the annual membership of {$390.00} because Capital One Travel restricted their airline options. I further expressed a concern that this is an Unfair and Deceptive Practice per their website advertisement and marketing materials. 

I requested to have my annual fee refunded of {$390.00} dollars ; however, was only offered a {$100.00} good will credit. Note, as of XX/XX/2023, the good will credit has still not been posted on my account.