23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted in XX/XX/XXXX by a debt collector and made aware of a loan fraudulently opened with my identity with a Nissan dealership in XXXX, CA in XX/XX/XXXX. I did not have sufficient credit to obtain a loan at that time. I do not understand how someone purchased a vehicle without proper identification or documentation such as social security card, employment pay stubs, etc. I filed a police report and have tried numerous times to get information on who the salesmen was and who the finance officer was that approved this loan without proper identification with no success. The dealership will no cooperate nor give my any info or return my calls.
Product: Credit card or prepaid card

Hello, I hope you're doing well. I need to add to my compliant with Citibank XXXX that the erroneously closed my account. I was never 30 days late. My account shouldn't have been closed. My billing date for payment is the XXXX of each month. I have requested the service agreement on many occasion to support Citibank CBNA right to close an account for a payment that was paid before XX/XX/2022. I paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclaycard Rewards MasterCard ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.
Product: Debt collection

I am writing to bring to your immediate attention a matter of utmost importance regarding the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and was shocked to discover unauthorized and fraudulent entries negatively impacting my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I vehemently dispute the accuracy and legitimacy of the aforementioned accounts, as I have never engaged in any financial transactions with the mentioned creditor. These entries are not a result of any action on my part, and I believe that my identity has been compromised, leading to the inclusion of these fraudulent accounts on my credit report. 

XXXX XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXXXXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX BANK XXXX FRAUD, PLEASE DELETE!!!!! 

I demand an immediate and thorough investigation into these matters, and I request that you take the necessary steps to remove these fraudulent accounts from my credit report at the earliest possible opportunity. The presence of these inaccurate entries is not only damaging my creditworthiness but also causing undue stress and inconvenience. 

I expect prompt action in accordance with the Fair Credit Reporting Act ( FCRA ) to rectify this situation. Please provide me with a detailed written explanation of the steps you are taking to investigate and resolve this matter within the next 30 days. Additionally, I request that you furnish me with a corrected copy of my credit report once the fraudulent entries have been removed. Please acknowledge receipt of this letter promptly and inform me of the steps you are taking to address this matter. I can be reached at the contact information provided above.
Product: Mortgage

XXXX XXXX 's were sent to XXXX aka Shellpoint in regards to proper accounting. The XXXX  year XXXX XXXX has been more than paid for in full. However the accounting practices of the XXXX  's have failed to reflect such. 
This is a second position loan with XXXX XXXX  as first and original mortgage. Shellpoint sends out notices of a balance of over XXXX while a letter from an attorney sent a balance of over XXXX yet noone will show proof of these amounts nor accounting for over the last XXXX  years. I believe auto loans are paid off in XXXX years in the amounts of XXXX, there is no possible reason for this loan to still have a balance. They sent you something talking about a modification and over XXXX more months to pay. NO. 
The current loan process is absolute criminal in its entirety. As my research will show how they take the taxpayers funds, yet to discover those who are willing to address this topic is most difficult. The life of the original term was XXXX  months.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment accounts. No changes were made. Below are the inaccurate items from my credit report : Late PaymenXXXX 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
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : Accounts that need to be removed 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 XXXX  XXXX  ( with inaccurate info ) XXXX  XXXX EXPERIAN XXXX CONFIRMING FALSE CREDIT REPORTING INFORMATION PRETENDING BEING UNAWARE OF FRAUD. See attatched XXXX XXXX  ( *card end XXXX not mine ) Letter of XX/XX/XXXX from CREDIT BUREAU DISPUTES DEPARTMENT UPON XXXX XXXX CONFIRMATION NO DISCREPANCY REPORTED IN YOUR TRADELINE. I AM MEDICALLY HOMEBOUND UNABLE TO COME TO BRANCH & XXXX  DOES NOT PROVIDE ACCESS ON LINE FOR MY HAND XXXX. I AM UNABLE TO COMPLY ON ID THEFT KIT DUE TO A SEVERE XXXX KNOWN TO XXXX. see attatched XXXX XXXX Letter XX/XX/XXXX XXXX  Confirms Decision to DENY MY FRAUD CLAIMS *CARD END XXXX. XXXX  PRETENDS THIS WAS NEVER REPORTED IN LETTER XX/XX/XXXX. See attatched XX/XX/XXXX CRIMINAL INVESTIGATION LETTER UNITED STATES POSTAL SERVICE CENTER case XXXX DELIVERIES NOT MADE BY XXXX PROVIDED TO XXXX. see attatched Identity Theft Report FTC case XXXX. XXXX XXXX  PROVIDED NO XXXX ACCESS. ( ADA Complaint XXXX ) see attatched XXXX  Letter of XX/XX/XXXX some dates 12th month 11th month ** NONE OF THESE TRANSACTION DATES ARE EVEN PAST 60 DAYS FROM * DATE OF LETTER. FRAUDS REPORTED TIMELY. XXXX  PROVIDED NO ACCESS AND DENIED CLAIM. see attatched CFPB RESPONSE XXXX XXXX I SUBMITTED XX/XX/XXXX. XXXX CLAIMS ALL CFPBs are duplicates as they will do with this complaint. I AM REQUESTING XXXX  & EXPERIAN VERIFY ALL ITEMS CHARGED WITH ORIGINAL SIGNATURE PURCHASES MADE FROM MY IP ADDRESS & ORIGINAL WRITTEN DOCUMENTATION ACCEPTANCE OF DELIVERY ** INTO MY HANDS Kindly Note ** CRIMINAL INVESTIGATION OF NON DELIVERY.
Product: Credit card or prepaid card

XX/XX/2022 there was a fraudulent transaction of {$1600.00} made on my discover account that I didnt notice till a month later when I went to go pay for that months bill cycle ( XX/XX/2022 ). I was upset that I didnt notice because I have texts and notification alert for every purchase I make for this card and for that purchase I didnt get a single alert. I called Discover customer support and was set up for a fraud dispute. The transaction was taken off my account XX/XX/2022 and I wasnt reminded of it again since then. XX/XX/2022 I go on my Discover account to make a payment when I notice my balance was too high, and for me to notice that transaction was put on my account again on XX/XX/2022. I called there support the XXXX & XXXX of XX/XX/2022, and was told that the dispute was not in my favor because of my activity behavior with XXXX after I got my card replaced, which makes no sense since I never use my discover card to make such large purchases on XXXX. If discover made a true investigation, they would have noticed that Ive only used my discover card once this year to make a single transaction on XXXX of a total of {$58.00}. Any other time was the monthly subscription for XXXX XXXX. XX/XX/2022, the fraud case is being opened up again, I told the person on the phone that I believe my card might of been skimmed at a gas station and that I have to provide some sort of proof. The only evidence I can provide is the invoice of that single XXXX transaction that was made XX/XX/2022. Im extremely confused as to why Discover think that purchase was made with my XXXX account in the first place since I wasnt told if the merchant even confirmed with my information or even my address of Residence. This a poor work of investigation on Discover side.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in 2015
Product: Credit card

Complaint Details : On XXXX XXXX 2016, I made an online purchase in the amount of {$160.00} from " XXXX XXXX XXXX " a company based in XXXX. This package would cover a tour and a dinner/show on XXXX XXXX and XXXX XXXX 2016. 
The refund policy of the merchant states that full refunds are given if requested within 24 hours or more before the tour date. 
The only contact information provided on the website, as well as in the confirmation email is a telephone number. 
On XXXX XXXX, 2016, I called the XXXX number provided in the confirmation email to request a refund. I was told by the representative that in order to request a refund, I have to reply to the purchase confirmation email they sent. I replied to that email on the same day. 
When I replied to that confirmation email, I received a failure response stating " Sorry, we were unable to deliver your message to the following address : '' XXXXXXXXXXXX. My subsequent calls to the merchant went unanswered. I did not use the services of the merchant as I later booked with another company. 
I then contacted Capital One on that same date, XXXX XXXX 2016, to file a dispute, clearly explaining that the merchant advertises refunds, yet provides no valid way for the customer to obtain said refund, although the customer is following their procedure outlined. In short, the merchant operated under false pretense and lied about their refund policy. 
Capital One then issued me a credit in the amount of {$160.00} ( full purchase price ) and noted that they would investigate further. 
Following their investigation, on XXXX XXXX, 2016, Capital One rebilled my account for the full amount of {$160.00}, stating that the merchant responded to the dispute and provided additional documentation. 
I submitted a response to Capital One on XXXX XXXX 2016, with my documentation, ( a copy of an email showing that I did in fact contact the merchant on XXXX XXXX 2016, but received a failure message ). 
It is now XXXX XXXX, 2016 and Capital One has made no effort to resolve this issue, and the charge of {$160.00} is still outstanding on my account which I should n't be responsible for paying ; I requested a cancellation based on the merchant 's refund policy and I did n't utilize their services. 
With this amount not paid, Capital One will charge me late fees and interest which will affect my credit rating. This is unfair to the customer. 

Please investigate and assist further.
Product: Credit card or prepaid card

I noticed in XX/XX/XXXX of this year that I have a credit balance of {$240.00} on my Macy 's American Express Card. I called them and requested to receive a refund for that. I was told that I should expect a check within 7-10 business day. Nothing happened for a whole month. I called back again, I heard the same thing over and over. Then they told me that they are going to direct deposit to my checking account, which has never happened either. Then I requested to at least to have my credit balance being applied to my balance on the credit card, has not happened and I also got fee charged for missing the payment. At the same time I noticed that my credit balance disappeared from my statements. The new theme is that my cash was checked. I requested a copy of cashed check which like usually promised to receive it in the mail. <P/>I talk to Macy 's credit card services at least 100 times so far, was told different scenarios and has not received my credit balance. It does not seem that they care about refunding my balance nor reviewing the cashed check story. <P/>I would like your assistance with resolving this issue and get my money back. <P/>Attached please find my personal bank account statement as well as Macy 's credit card statements.
Product: Checking or savings account

On XX/XX/year> I made a purchase in the amount of {$330.00} with a merchant to repair my vehicle. On XXXX I discovered the repair was not made to my vehicle, however the merchant charged me.

I contacted CashApp to file a dispute after contacting the merchant for a refund, and CashApp denied my claim stating that merchant " fulfilled their obligation ''.

I've reached out to CashApp and they have ignored me and refuse to assist me in this matter.

I'm reaching out via CFPB for assistance before I contact an attorney and file a lawsuit on CashApp and the merchant.
Product: Credit reporting or other personal consumer reports

Equfiax has not or will not update XXXXXXXX XXXX status as to paid in full. ( account closed ). After documentation sent to equifax, which will be provided here dispute status has not been corrected.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.
Product: Debt collection

After multiple requests, Evergreen Professional Recovery has contacted me during working hours to try and collect a debt. I 've tried working with them and have let them know when they can call me ; however, they continue to call during those hours. The response I received from the representative when I told them when they could call, which is during their business hours, was simply unacceptable. Never should a representative say they wo n't call when the time that is given to them is technically during business hours. I even let them know and asked them to make a note that if they called during the hours I work I would seek legal action as it disrupts my job in XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.
Product: Debt collection

I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX )
Product: Credit card or prepaid card

I am dealing with a concerning issue involving AFFIRM, a credit company. An unknown person made a substantial purchase under my name through AFFIRM, which I only recently discovered through my checking account. This situation has been ongoing between AFFIRM, XXXX, and myself since XXXX of this year. Unfortunately, the issue remains unsolved and is still pending on AFFIRM 's end since XX/XX/2023. Despite my attempts to dispute the amount, AFFIRM keeps responding to my answers with another customer service representative. The situation is becoming increasingly frustrating, and I am hoping that your firm, CFPB, can intervene and force AFFIRM to answer a simple question about what was purchased. I urge you to take immediate action, as the issue has remained unresolved since XX/XX/2023. Thank you, CFPB, for your assistance. 

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

I saw two inquires on my report that I don't recognize I need each of these inquires to be removed off my report immediately. I called each company to inform them about the matter but still haven't been helped.
Product: Checking or savings account

This complaint is linked to complaint # XXXX about WELLS FARGO BANK. I received a written letter from Wells Fargo regarding my original complaint number assuring me I would have the {$200.00} checking account bonus deposited into my checking account by XX/XX/18. I also spoke with the XXXX, New York bank manager. He contacted the " resolution '' team who promised that the {$200.00} bonus would be deposited into my checking account by close of business XX/XX/18. 

Apparently, the " resolution '' team does not honor its promises and WELLS FARGO does not comply with its own agreement. 

WELLS FARGO is guilty of unfair business practices that need to be stopped. They promise bonus money to get more customers to make their " numbers '' look good..but they do not honor their agreements. I just want the {$200.00} checking account bonus money I am entitled to.
Product: Credit reporting or other personal consumer reports

I sent XXXX letters to XXXX, XXXX and XXXX on the basis to investigate the reporting of XXXX accounts that had XXXX payments. 

I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

All these times i received a letter from XXXX and Transunion that they didn't think the information was from myself even when i sent XXXX  forms of XXXX and still my XXXX don't seem to be getting attention.