23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I sent Capital One a written notice that I'd like to dispute charges on XX/XX/year>. Since then, XXXX agents have lied to me on the phone about their " inability '' to accept written notices of disputes and a need to take the information in on the phone. Meanwhile, a retailer who has confirmed I am due over {$1000.00} in refunds has been claiming they can't refund the items because of the dispute Capital One never started. I never informed this retailer I submitted a dispute for those charges. Just as with XXXX XXXX  XXXX XXXX  phone call, I would record it anyway. They have sent no forms, or initiated any dispute. I have a recorded call with an agent telling me no dispute has been started. The only logical reason for this is they want to take the information in incorrectly so they can accuse me of fraud like XXXX XXXX.
Product: Mortgage

In 2012, I filed for bankruptcy. Do to a hardship, I applied for a loan modification on my home with Wells Fargo Bank. After months of repeated document exchanges and getting them notorized, I was given a 3 month trial payment plan. During initial application of loan, I submitted a letter with information from the XXXX Bankruptcy court stating that the courts were not interested in home loans between the lender and borrower. Only if payments were increased. The modification was approved and after making the first modified monthly payment, the modification was withdrawn because of no court approval. 
The attorney on my case verified the courts position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion customer service because I have been a VICTIM of their inquiry issue would not help and take care of the negative inquiries reporting to your credit report. 


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

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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  Subject : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX XXXX XXXX , I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. 

According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. 

For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


Sincerely, XXXX XXXX XXXX, XXXX.
Product: Debt collection

Their sending me a letter saying that their sending my name to a collection agency. The problem is, this is NOT MY DEBT. Their trying to say I was a co signer to medical bills. I have NEVER co signed for anybody 's Doctors bills. ( wouldn't I have to sign a form, anyways? ) I told them to take my name off of this and they said NO, THEY WILL NOT. I told them I was going to sue them for harassment if they didn't stop harassing me.. I am XXXX years old with children over XXXX years old and I don't need this aggravation. I want them to take my name off of this because my credit is excellent and this is NOT MY BILL!!! Thank you!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts were opened fraudulently. According to the FCRA, all information furnished on a consumer report must be verified as accurate and with proof of consent by the consumer to share private information. According to this report, these accounts have not been verified or investigated as previously requested. Addresses are also on my report that I have never resided and have not been updated. The fact that the law is not being followed in this situation the credit bureaus will leave me no choice but to hold them accountable to XXXX $ each violation being reported on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX purposely failed to report my good standing payment history in violation of non compliance of the Fair Credit Reporting Act ( FCRA ), 15 u.s.c | 1681 et seq. The only way I could obtain the accurate month of reporting of payment is by calling XXXX by phone and making a verbal complaint - thus, they will report for that particular month only ; thereafter the proceeding month XXXX will not report my payment history. Except if my account goes into default or late payment XXXX will report on time the late payment ( s ) or if account is in default accurately. Any and all 'good standing ' will not be reported uless I make an effort by phone call and make the demand. This violates ( FCRA ) Section 623, 601, 603,602, 616, 617, and 621 code ( s ) an any or more that applies. This matter has occur in the beginning of XXXXXXXX XXXX when XXXX has taken control of my account; including the incident of non compliance to the credit bureau of XXXX XXXX.up till today. This matter has been also brought to the attention to the DOB ( Division Of Bank ) on or about XXXX regarding XXXX  failure to comply with the FCRA violation XXXX
Product: Credit reporting or other personal consumer reports

Im fairly new to credit discipline while obtaining and weighing options. This event was less than XXXX ago. Date being XXXX I was entertained as to this being a soft pull not to actually apply but to my knowledge it was immediately a hard pull upon a click. I applied for an auto loan with XXXX, believing i was eligible for pre-approval based on their promotional communication. XXXX email implied i could explore loan options and adjust terms without a significant impact on my credit report. However, my application was denied, and a har inquiry was placed on my credit report. I later received an email from LightStream suggesting that I could apply for a lower loan amount, but as the hard inquiry for my initial application has already impacted my credit score, outweighing the importance of the proposed option. I feel misled about the process, as I did not intend to proceed in a manner that would lead to a hard inquiry without clearer terms. I am seeking the XXXX XXXX assistance in addressing this matter, ensuring fair practices and removing this unnecessary hard inquiry from my credit report. 

My second complaint was XXXX XXXX XXXX I have filed every way i could with the credit bureaus online etc etc. This information seems to hunt me and even on a closed paidoff account they are still reporting late payments and its been charged off and paid in full since XXXX Ive sent in the XXXX to show that I have access to evidence of an account being paid in Full. This account is negatively affecting account and credit score it was recently updated with an online dispute trying to correct it and imediately XXXX late payments and thats insane.
Product: Checking or savings account

Hi my name XXXX XXXX This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - Fifth third bank Amount- {$300.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft 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 not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Vehicle loan or lease

I have been a customer of USAuto Sales coming up on 3 years in XXXX of this year. I have made all of my payments from the date of purchase, as it is required or they will shut the vehicle off. I sent them a request advising I had my own insurance through XXXX XXXX so that they could stop charging me for insurance, however they denied my request so I was paying for insurance through them and my regular company. Thankfully I did, because the insurance they provided wasnt active. They recently went out of business and have transferred our contracts without any notice to us to a debt collection company, how can my loan be sent to a debt collection company when Im current on the loan. The new company will not honor my gap or warranty that was included at the time of purchase in my contract amount. My contract amount was for {$17000.00} when I originally signed and purchased my car almost 3 years ago. When I check it through the new company Westlake, they say my financed amount was over {$22000.00} and i owe {$18000.00}! This is upsetting. I have my original contract and all my payment receipts. Now they are threatening repossession.
Product: Checking or savings account

On XX/XX/2023 Chime bank closed my account without notice with over {$2500.00} of funds in the account. Chime bank would not communicate with me over the phone and have ignored my emails, requesting the reason for the closing, but most importantly, my money back. I did nothing to violate any term and have fun and chime number for over three years with regular direct deposits into this account. I am a single mother with no money for food or gas due to these shady practices. 

When I finally was able to reach a live person after being hung up on multiple times, I was told there were no supervisors and the person I was speaking with, had no information. No company like this should be able to manage money. In addition to closing the account and they locked me out of the app so I can not even see whats going on with my money. 

I need my money back immediately. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere..It must be that someone use my identity..The account XXXX   XXXX was fraudulently opened in my name..I did not make the charges..I am requesting that the item be blocked to correct my credit report ...
Product: Mortgage

I left the Active XXXX in XXXX and took a lower paying job. My property tax and other fees increased and by XXXX I was struggling to keep up with my mortgage payment. I've been working tirelessly with Caliber Home Loans, company who holds my mortgage, and they are forcing me into foreclosure even when I've finally received a pay raise and enough money to keep my property. They refuse to allow me to submit a loan modification with my new finances which would allow me to stay in my home and avoid foreclosure or bankruptcy. Caliber Home Loans is putting a veteran out on the streets for no reason.
Product: Debt collection

i recieved a mark on my XXXX report XX/XX/ 2018 that i owed GC services {$1300.00}. 
Collection Agency GC SERVICES Original Creditor XXXX XXXX Status Open Opened Date XX/XX/2018 I  did not recognize this company and upon research discovered that it was referred to them by XXXX whom I do not have a account with for a number of years already.. 
i attempted to both call and email the company but have still not recieved any response. 
I disputed this with XXXX who upheld the claim despite the fact that they have not provided any documentation for the bill. 
I have since found out that the bill should belong to a family member instead of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX. How is this reporting when this account was included in Bankruptcy. Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

Transunion has jeopardize my financial information and a great risk to my livelihood by not locking my report as I requested and for reporting false information about my history. So Im having to spend extra money to protect myself with lifelock that costed a lot. Sharing my information without me knowing is violation of 15 USC 1682. Please give me some help in this manner.

Thanks
Product: Credit card or prepaid card

I've tried to contact barclays about a purchase made on XXXX XXXX XXXX  from XXXX XXXX XXXX and couldn't be helped by this company. I made a purchase from XXXX and the business later on sent me an email saying that an error had happened and one of the items I've order was out of stock but didn't show it on the site. I then had them cancel that item for {$7.00}. After multiple contacts with the business, they all told me they see the mistake they had made, which only gave me a partial refund of {$2.00} they said they would fix it. Weeks went past as I watched my credit card statement and no correct refund was applied, I kept contacting them ( 3 times in all ) and each person told me the same thing, that they see the mistake on their side but is refusing to correct the issue maybe in hopes I'll give up so they can scam me out of a few dollars like maybe others. Well today ( XXXX ) I've tried to contact barclay and they too are refusing to help me get my refund back of {$5.00}. Sad that no one can assist with a {$5.00} refund and I have to come here.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was checking the balance in my B of A XXXX card account and found that the account had been drained of all its funds, {$2200.00}. I contacted B of A and they said they would review the issue and get back to me. I received a letter dated XX/XX/XXXX stating " no error has occurred and considered the claim resolved. '' Calling them again, I explained that I did not draw the funds out and that I was the only XXXX with the password. No other family member had that information. I tried to find out where the money went and all they would confirm was that it didn't go to my usual bank account, but they couldn't say due to privacy issues. I contacted them XXXX additional times to please investigate further and let me know where the money went. They would only say that it was a transfer to another account and the transaction in question was authorized and posted correctly to my account. Claimed Resolved. ( Received XXXX additional letters dated XXXX and XX/XX/XXXX duplicate to first letter ) Obviously, they didn't do much research. The evidence they sent me was a copy of my regular statement. No information was ever sent as to where the funds went.
Product: Credit card

I wanted to transfer a balance to my BOA credit card XXXX  using a balance transfer offer they sent me. It was for 11 months no interest with 3 % balance transfer fee. I called BOA to do the transfer and they said that if I opened a new BOA credit card XXXX, I could get 18 months no interest with 3 % balance transfer fee. I needed to make the transfer by XX/XX/XXXX. After opening XXXX, I learned that I had to wait 14 days before I could use it for bal. transfer, which would have been too late. I called BOA, but they said there was nothing they could do, so I told them I did not need the new XXXX because it was a higher interest rate than the 2 BOA credit cards I currently had. I told them to cancel XXXX, I would do the balance transfer on my XXXX. I went online and submitted my balance transfer using XXXX and checked on it a few days later. I found out that BOA canceled XXXX ( 18 % interest ) and kept open XXXX ( approx 21 % interest ). I called BOA customer service again and they heard the conversation where I said to cancel XXXX and keep open XXXX and said they would reinstate the card, so I could use it for the balance transfer before XX/XX/XXXX. It did not happen, so instead of getting 11 additional months to spread out paying for approx. {$3000.00}, I paid off the balance, but still believed that BOA was going to reinstate XXXX. I received a letter approx. XX/XX/XXXX from BOA ( dated XX/XX/XXXX ) saying " We're sorry- we can't reopen your credit card ending in XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent certified letters to XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to XXXX  and XXXX requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX XXXX XXXX sent a collection letter stating that they have received an XXXX  dispute online from me which is not true. They are basically admitting to using XXXX. Any automated response or XXXX  verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents
Product: Checking or savings account

XXXX XXXX XXXX the onwer of XXXX XXXX XXXX ( see below ) has defrauded me of {$39000.00} on a renovation in XXXXXXXX XXXX 

He uses Chase Bank to carry out his scams and fraudulent activities to defraud consumers like me. Can you please ask Chase Bank to investigate this matter and close down his personal and business accounts with the Bank DETAILS FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on Equifax and found 3 previous addresses listed where I have never lived.