23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a credit card with Capital One. They charged it off. I contacted Capital One last year to pay this debt. They would not speak to me because they had " cancelled the debt '' ( I have attached that notice ). I disputed this with the bureaus because Capital One was reporting a balance with a present day report date. The bureaus did not remove the cancelled balance from my file. I filed a CFPB complaint against the bureaus but they replied with their standard : " We sent your dispute to the creditor and they verified that the reporting was correct '' ... so effectively they will not do anything. 
The creditor has the same liability as the credit bureau in the case of accuracy of data on the file ( Sec. 623 ( a ) ( 1 ) ( A ) ). Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Capital One can not cancel this debt and still show a balance due on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ADDRESSES THAT ARE LISTED DO NOT BELOW TO ME, I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX GA XXXX
Product: Student loan

Firstmark Services manages several groups of student loans. They do not provide a history of monthly principle balances, nor will they upon request. They will also not mail this information to me. I believe they are mismanaging the principle amount and accruing interest on my loans. They also have made it exceedingly difficult to pay in excess of the minimum payments as I see fit. That is, they deliberately split large payments to spread across my multiple loans, so as to have the smallest impact on principal balance, despite multiple requests to the contrary. I have written, emailed, and spoken to representatives several times in an attempt to resolve these issues and obtain the requested information, and each time am provided with no updates, nor are the changes I request implemented. I believe they are managing loans in a bad faith fashion, and deliberately hindering the repayment process. Further, their website was recently updated and has been riddled with issues impacting the ability of fiscally responsible loan recipients to manage their debt. For instance, statements are not generated unless there is a balance due. However, I pay the loans and a frequency exceeding the time for which a balance would be generated. I therefore am unable to see the principle balance as affected following each payment. As an actuary, I find that the calculations for balances as calculated by myself, do not coincide with the balances generated by Firstmark Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below are fraudulent accounts and doesn't belong to me.They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  # 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,
Product: Mortgage

I applied for a mortgage on XXXX XXXX, 2016. My scheduled closing date was today XXXX XXXX, 2016. The lender has caused me to miss my closing day. I supplied all of the documentation that was requested and still, I have not been told if my loan was ever even approved. I have asked about this numerous times and I get either no response or a " its in underwriting ''. It has been over 4 days now and I am in the dark as is my realtor and the seller. I am in an emergency situation where I must be out of my house by Wednesday XXXX XXXX, 2016 and I have nowhere to go or live. I do not know what else to do. My lender is dragging their feet on this. I know under Equal Credit Opportunity Act that the lender is required to render a credit decision within 30 days of application ( Regulation XXXX ). it has now been going on 60 days and I do not know anything at all. I escalated my concern to the manager, XXXX XXXX, and he told me " you are out of line '' and all I did was post a message on the companies XXXX page which stated " I am not having a good experience and I just need someone to please help me get my loan closed. Please help. ''
Product: Credit card

Ive received a debit card throughXX/XX/XXXX, which says business debit. I have never applied for this
Product: Payday loan, title loan, or personal loan

I authorized this company to take a payment off of my debit card on Saturday, XXXX, XXXX, 2023 in the amount of {$140.00}. This amount came out of my account that same day. They then proceeded to send me an email and text message telling me my payment failed when they took the money out of my account. The phone numbers they have listed do not work and you can not speak to anyone. Ive tried to email them and they have refused to respond. The company preceded to send me and my mother messages threatening to send us to court for the money they already received from me. My mother went online to process the same payment that they took from me and they charged her double which was {$290.00}. They credited her double payment but never credited my payment that came from my account.
Product: Credit reporting or other personal consumer reports

Please erase these inquiries. I have no knowledge about this, and the company did it without asking me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax announced that it had discovered a cyber security breach had occurred earlier that year, exposing over XXXX XXXX users ' data to hackers. 

On Friday, XX/XX/XXXX, I learned of a class action lawsuit that would entitle those whose data had been stolen to receive just compensation from Equifax, whose lax and careless security practices failed to protect the precious data entrusted to it. 

I filed the claim for compensation as directed on this website : https : //www.equifaxbreachsettlement.com/file-a-claim Then, today ( XX/XX/XXXX ) I learned that the response to the class action filing process has been, as they said, " overwhelming, '' and that only {$31.00} XXXX of the already-paltry {$420.00} XXXX settlement had been allotted to payouts to those affected by the breach. So instead of receiving up to {$120.00} in compensation, the total cash payout divided equally across all claimants will be minuscule. If they had to pay the full {$120.00} per affected individual, it would cost roughly {>= $1,000,000} https : //www.ftc.gov/enforcement/cases-proceedings/refunds/equifax-data-breach-settlement The alternative being offered is for Equifax to offer years of free credit reporting, which is fine, but hardly a way to punish a massive company for their depraved disregard for customer privacy. 

How will we keep these credit bureaus honest if the only penalties they incur for incompetence and indifference is so small as to be a veritable slap on the wrist? They'll just see it as the cost of doing business, and will continue to be criminally negligent actors in the finance space. 

As your admirable stated mission is to " write and enforce rules that keep banks and other financial companies operating fairly, '' I think the CFPB should be alarmed and appalled by this turn of events. Equifax is essentially paying no price for their negligence, and they are shifting the burden of dealing with the consequences of the data breach onto the victims. 

As citizens in 21st century America, affected consumers have little choice but to participate in the credit bureaus ' game, but the power is ludicrously unequally distributed. Agencies like the CFPB are one of the few levers by which ordinary citizens can apply pressure to these huge power brokers. 

I would like to see the CFPB take whatever actions are possible to ensure that Equifax and other credit bureaus are forced to protect the consumer data with which they are entrusted, now and in the future. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing XXXX XXXX XXXX  to report an collections account on my credit report even after XXXX XXXX XXXX confirmed that all correspondence was mailed to the wrong address. The Fair Credit Act states that I have 120days to handle before its reported to Experian. If the correspondences was mailed to the wrong address how could I have handled?
Product: Credit card or prepaid card

I requested additional information from Suntrust Bank in reference to an account that is reporting on my credit file. The account number is ending in XXXX. I requested the full payment history and how fees and so forth were applied. They only sent me a letter that said the information was accurate. They sent no proof they only sent a form letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for a credit card from XXXX/XXXX
Product: Checking or savings account

More than two years ago, I fraudulent account was opened in my name with HSBC. I immediately contacted them and asked to close the account since it was a result of my identity being stolen. HSBC refused to act. Since then, I receive a statement every three months, and I call their fraud helpline to ask them to close the account. This has been going on for two years, and always HSBC refuses to close the account. They have never gotten back to me to let me know what they would do about this identity theft.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Debt collection

I paid this account off in XX/XX/year>. I closed this account right after and they continue to charge me interest fees. In XXXX I paid an interest fee {$58.00} over the phone as I couldn't do otherwise as account was closed. They told me this interest fee was from the previous month before and my account should have been completed. 
Each month after XXXX I was getting more interest fees {$76.00} and I called them and they told me it accrued during the time that I already inquired about in XXXX. They could not give me the correct dates of this interest as their billing system wasn't equipped for that and would not work with me once I stressed this didn't make sense. I told them that I was going to dispute this charge and they did not express any concern so the call ended. 
I know the call was recorded and would like this to be submitted as evidence in this dispute if need be as they stress the call is recorded. 
They continue to keep charging me interest fees and my credit score is being effected. I disputed this will XXXX where Best Buy credit card declined which brings me to this report. 
I feel totally harrassed by this credit card company and have from the beginning. Thats why I paid it off. I dont have specific dates but can honestly assure you I've called multiple times. Since XX/XX/year>. Last time I called them was in XXXX or XXXX and then took measures through XXXX. 

I will never use this bank again and next will file a federal trade commission report.
Product: Mortgage

Have been trying for a Mortgage modification through Wells Fargo for years ... most recently X/XX/17.  This time they denied us because we have too much equity in our home. Previously they denied us because we were " underwater '' - not enough equity. Wells Fargo has been rude and consistently unhelpful - we only stopped paying the mortgage because we were told by one of their reps that it would be the only way to get a call back. They dont deserve to be in business. I caution EVERYONE to boycot Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items. XXXX XXXX account # XXXX has inaccurate last reported. Inaccurate date last active
Product: Credit reporting, credit repair services, or other personal consumer reports

This would be the second time I 've submitted a request to investigate inquires on my credit report that I did not believe to be mine or requested by me. I most recently sent Transunion another request to investigate the inquires. I requested to provide me documents upon their investigation showing my signature or something supporting I authorized it. The letter was received by Transunion on X/XX/2017 and on X/XX/2017 I received a letter from Transunion explaining what an inquiry was as their response. Obviously I know what it is, but my request was to investigate it. Since their letter was sent to me so quickly I am positive no investigation was done as I had requested. The letter I sent was certified so I can support when Transunion received my letter. This is the second time I received this response from Transunion. I sent copies of my drivers license as well as my social supporting who I am, but Transunion failed to review my request. 

I have attached a copy of my original letter to this complaint.
Product: Debt collection

I do not have the documentation to confirm that I owe this debt.
Product: Credit card or prepaid card

I paid my credit card balance in full on XX/XX/XXXX. The online statement then showed a XXXX balance. On XX/XX/XXXX the payment was processed a second time for the exact amount, thus overdrawing my checking acciunt and causing the line of credit to do a {$2000.00} auto transfer. 
I called the bank and they said it would take a week to gey s refund, and then inwould be out the interest and use of the {$2700.00} in funds. Not acceptable. A major US bank that takes your money in error and can not return it next day? This is abuse, taking advantage of the elderly, and very poor customer service. They autodenited me in error and received immediate credot but will not return the funds for a week and will not pay the interest on the advance. 
This is why we need your help, as only the CFPB has the clout to make this right. 
Thanks
Product: Debt collection

I used to live in apartment complex in XXXX  and left with good terms. 
They should send me my security deposit by mail within 2-3 months after I left the facility, but never happened till today. A year after I left the appartment complex I found a mail from the collection to pay a debt of {$380.00} to them. 
I took the letter to the managment of that apartment complex and they promised to take me off the collection and send the security deposit to my new address. It has been 2 months and my credit score hurt so bad and I am still under collection for a debt I never owned for them.
Product: Debt collection

Subject : Dispute of Fraudulent Collections Account by Portfolio Recovery To Whom It May Concern, I am writing to formally dispute the legitimacy of a collections account reported on my credit report by Portfolio Recovery. The account in question is in the amount of {$1800.00} and is not recognized by me. I have strong reasons to believe that this is a fraudulent entry affecting my credit score and financial standing. 

Upon noticing this entry on my credit report, I immediately reviewed my financial records and found no evidence of any debt or past-due account that could be associated with Portfolio Recovery. To ensure due diligence, I also reviewed any potential cases of identity theft or mistaken identity but found no evidence supporting this claim. 

It is my understanding that under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies on my credit report. Given that this entry is inaccurate and unverifiable, I request the following actions : A thorough investigation into the account listed by Portfolio Recovery. 
Removal of this account from my credit report if it is found to be invalid. 
Provision of documentation that substantiates the debt, if it is claimed to be valid. 

Please be aware that I am prepared to take further actions, including filing a complaint with the Federal Trade Commission ( FTC ) and seeking legal advice, if this matter is not resolved in a timely and satisfactory manner. 

I expect a response to this dispute within 30 days, as mandated by the FCRA. Your prompt attention to this issue is crucial for rectifying my credit report and upholding the integrity of the reporting process. 

Thank you for your cooperation in this matter.
Product: Credit reporting or other personal consumer reports

I see some fraudulent inquiries on my credit report and I already sent information via mail and they haven't removed them. 

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

XXXX DEPARTMENT STORE CREDIT CARD, ACCOUNT NUMBER XXXX is appearing on my XXXX, XXXX and Equifax credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report now!
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights pursuant to the Fair Credit Reporting Act are being violated. I have inaccurate/fraudulent accounts appearing on my consumer file/credit report. I have sent several letters disputing the fraudulent accounts and filed a complaint with the Federal Trade Comission. I am requesting that these accounts be removed immediately. I need help enforcing my consumer rights. The violations are : 1 ) 15 usc 1681 ( a ) ( 4 ) - Accuracy And Fairness Of Credit Reporting I have a right to privacy. No company or person can tell me what is private to me. My right to privacy is being violated with these fraudulent accounts appearing on my credit file. 

2 ) 15 usc 1681b ( a ) ( 2 ) Permissible Purpose Of Consumer Reports I did not give written permission to report these fraudulent accounts on my behalf. There is no permissible purpose to report these fraudulent accounts. 

3 ) 15 usc 1681a- ( e ) Congress says when an investigation is conducted you must speak to my neighbors, friends, or associates. If you did speak with them congress say the information provided can not be factual! These fraudulent accounts can not be verified. I am the only one that can validate accounts on my behalf. They must be removed immediately! 
I have attached my drivers license and utility bill to verify my identity and residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the major credit reporting agencies ( Trans Union, XXXX and XXXX   ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?
Product: Debt collection

In XXXX of 2022 I contacted my XXXX XXXX XXXX XXXX XXXX to consolidate my credit card debt. They proceeded to send out checks to these companies to pay off my debt. One of these checks was to Comenity Bank. Which they took and then sold my debt to XXXXXXXX XXXX XXXX. They are still reporting I owe them XXXX years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Common Wealth Finance, 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.