23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I used XXXX XXXX XXXX a few years ago when I was living in California but I was going back and forth from Texas to there. At the time they provided decent prices for otherwise expensive hotel rooms. So at the end of last year ( 2023 ) when I got back on the road I decided to use them again. This was a terrible mistake, for starters I did something I didnt do the first go round and decided to use their monthly service that was priced at {$14.00}. However after noticing that they were charging my card multiple times a month I tried to cancel the service. To no avail they continued to try to charge my card which I ended up locking my card. Once they werent able to charge my card after multiple attempts for the {$14.00}. They then changed the name of their company to XXXX XXXX and started again trying to charge my card only now they were trying to take {$29.00}. Ive had to call my financial institution and notify them to block the merchant because they would not cease in trying to charge my card for multiple times a week at a price we didnt agree upon and a service Ive tried to cancel now multiple times. Finally I got word from my financial institution that the merchant was blocked, however the merchant is now trying to charge me for {$44.00} multiple times a day. I then done research on the company to find out that people had been disputing them and filing complaints about the merchant for years. After further investigation I found that they had done the same thing when I originally used them I was just unaware and saw that hundreds if not thousands of dollars were improperly taken from my account by this scam company.
Product: Debt collection

Hey so its been past 30 days and i have not gotten accurate results about my auto loan dispute. The only response I've been getting is that its been verified. Well I want to know who verified it. By law in 30 days no result it needs to be remove
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), XXXX : XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Bank of America services.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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
Product: Debt collection

I recently was contacted by XXXX XXXX XXXX and they stated that there was a debt from 2017 that was owed from XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and they said that a lot of the information on the credit file like drivers license the address, the phone numbers the emails did not match up correctly to my actual information. They believe that the debt was fraudulent. They instructed DNF associates to have XXXX buy back the debt and then they could cancel the debt based on fraud. I have filed a report against XXXX XXXX XXXX and they have recently stated that they have given the debt back to DNF associates. I am trying to have this resolved appropriately and removed from my name.
Product: Mortgage

I received a call from my mortgage company, asking me to return the call. When I did, they refused to tell me what the call was regarding until I confirmed some information. They were calling on XXXX XXXX, saying that my mortgage was late. We have just refinanced our mortgage, and this represents the first payment due, on XXXX XXXX. The individual on the phone told me that I was not technically late, as I have a 60-day grace period since it is a new mortgage, but that the collection calls would not stop until the payment was received. My husband and I have never been late with a mortgage payment, and I told her this and said I needed to call my husband to check on the status. At this, she continued to push me about when they payment would be received ( it had already been paid electronically ), in what form, etc. I found this call to be inappropriate, and since I did not owe an outstanding debt, it was even more egregious.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have been enrolled in school and I haven't received student loans. I have always used grants for school. This issue is affecting my credit score. I need this issue fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these negative items off my report it has been more then thirty days and its been false misleading information on my report both are violations
Product: Credit reporting or other personal consumer reports

This collection and account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

I attached proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data did not have authorization nor permission to access my credit report. They had mentioned the inquiry would be removed but it is still on XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple calls and sent multiple letters to Equifax disputing these inquiries that i do not recognize. I spoke with an agent of equifax on the phone on XX/XX/XXXX following up from my call with them on XX/XX/XXXX and the agent attempted to lie and say that I never made a call on XX/XX/XXXX. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they are to be removed to no avail. This is also the 3rd report I am filing with the CFPB regarding this. I have also filed a complaint with the XXXX  regarding this. 

The following inquiries need to be removed immediately : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and have not had this issue resolved. 
In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. 
Experian is reporting addresses that are not accurate or relevant. I did not give Experian permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. 
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. 
My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Mortgage

Caliber Home  Loans will not pay our property taxes. They were due  XXXX   XXXX , the taxes were n't paid. Then we got another bill for another due date of  XXXX   XXXX  with a fee tacked on. They still wont pay it. I have called and emailed. Nothing. The said they will send the money in  10  business days, but they did n't. Then they said they will send it in 5 business days.  Caliber Home Loans i s a joke. I would n't get a loan through them. As soon as we have money to refinance and get away from the company, we will.
Product: Debt collection

XXXX XXXX was never the initial debt XXXX for the debt that was owed. I was sent a letter by Capital Accounts LLC back in XX/XX/XXXX that I owed {$590.00}. I was never notified by XXXX XXXX by mail or phone about them taking over this collection, even then, I tried to dispute Capital Accounts LLC in XX/XX/XXXX because the insurance company already paid the original creditor the " debt '' that was owed with a check on XX/XX/XXXX which the original creditor claimed they spoke with the company and told them that the account is closed. In disputing this debt again, they reported to the disputing company that the amount was verified prior to actually verifying with the original creditor. I was told instead that they placed my account on hold after the fact ( of the dispute ) and are waiting for the original creditor to respond to them about verifying the amount owed.
Product: Credit card

I made a flight reservation with capital one travel portal and found out later that I wouldn't be able to take the flight. I cancelled the reservation within 24 hours, but was only able to get reservation credit with the airline. 

As a XXXX XXXX cardholder, I am eligible to receive up to {$300.00} credit. So my reservation with the flight costed me {$77.00}. However, when I cancelled the reservation, Capital one portal wouldn't allow me to cancel on its portal, but I had to go to the airline 's website to cancel. As a result, I was only able to get reservation credit and a {$10.00} voucher, which I could only use with the airline. And I am not happy with it at all since I probably will never fly with this airline, and all the reservation and voucher credit are wasted at my end. 

I feel like Capital one travel portal has operated poorly, and was ineffective in advising me about the cancellation options I have. ( XXXX, for example, allows me to cancel within 24 hours directly through XXXX XXXX ) Today when I called Capital One, the agents told me that I should call them within 24 hours when I cancelled the reservation, which was never explicitly stated on its website whatsoever.
Product: Checking or savings account

On XX/XX/2022, I received a Discover debit card in the mail. I did not apply for this card. I called the Discover number listed on the website to speak with someone in their Fraud department. I was told I was not in the correct place and was transferred to Discover Bank. I waited on hold for over XXXX minutes and no one answered the phone. I tried to call Discover again on XX/XX/2022 and again as I type this complaint, I have been on hold waiting to speak with someone for more than XXXX and a half hours with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX/XXXX {$13.00}, {$7300.00} {$4300.00} {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau 's are reporting inaccurate items on my credit report.
Product: Credit reporting

Equifax is reporting XXXX XXXX as an open delinquent account. This account should be closed and current. This account was paid off 5 years ago. Also Equifax is reporting XXXX XXXX as open past due. This account is also paid off. I have attached a copy of XXXX report that shows XXXX XXXX as closed current and Equifax report showing open delinquent. Please have Equifax to update their information on these XXXX accounts to report correctly. It is sad that this company ca n't seem to report anything right.
Product: Debt collection

Zuntafi has still not provided competent evidence to substantiate the alleged debt. 

The call between me centers around them providing proper validation, signing, and returning the last XXXX pages of my letter ( the notice of adequate assurance of due performance ). I have not received the unaltered document with the affidavit, as requested by the alleged lender representative. The debt is still not validated with competent evidence. However, Zuntafi erroneously reports the compliance condition code to the consumer reporting agencies, including reporting as delinquent when the alleged debt and account is not validated with competent evidence. I have sent Zuntafi and the lender twice ( first on XX/XX/2023, and XX/XX/2023 ) a non-negotiable notice of adequate assurance of due performance, which has not been signed and returned. Zuntafi has failed to respond to the notice and dishonored the notice. Please see the attachment for the notice of non-negotiable notice of adequate assurance of due performance. 

Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment of yours does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within XXXX ( XXXX ) days, you provide such validation and supporting evidence to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been met and your claim is validated, you have no authority to continue any collection activities.
Product: Credit card

XX/XX/year> Navy Federal Credit Union XXXX : Misrepresentation and Re-Aging of Debt To whom it may concern, I am writing to formally dispute the recent actions taken by Navy Federal Credit Union regarding an asscociated account whose legitimacy is now in question. It has come to my attention that Navy Federal is engaging in improper practices with respect to the re-aging of debts, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant debt collection laws.

I received a payment receipt from Navy Federal in the amount of {$5.00}. This payment, which I did not make, appears to have been falsely posted to my account as an attempt to reage the debt and alter the delinquency status on my credit report. I have not made any payments on this account for over two years, and I find this unauthorized action concerning and misleading and am now questioning if the account is mine.

What appears to be taking place is that in an attempt to collect money, Navy federal is re-aging the debt in this manner, Navy Federal is attempting to reset the clock on the statute of limitations for debt collection and inaccurately report the status of an associated account to credit reporting agencies. This is a deceptive practice that not only violates my rights under the FCRA, but also unfairly impacts my creditworthiness. 

I am requesting that you immediately delete the account and its history. Additionally, I demand that you provide a full explanation of how and why this {$5.00} payment was posted to an account associated with my name, as I have no record of authorizing or making such a payment nor have I even deposited money into my checking account for this to have occurred. 

If this matter is not resolved promptly, I will not hesitate to file a complaint to in addition file a complaint with the Federal Trade Commission ( FTC ), and lastly pursue further legal remedies in the state of Washington. I will then seek full financial remedy and deletion of the accounts for falsely reporting of inaccurate information. 

Please acknowledge receipt of this letter in writing and confirm that the necessary corrective actions have been taken. 

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

XXXX XXXX XXXX XXXX XXXX At XXXX XXXX XXXX I sent disputes several times stating incorrect balance an wrong information with out my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

This bill has been on my report in different names. This has been paid in full using the Law office of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX This account was paid off in full.
Product: Debt collection

Aargon is reporting a collection that I do not recognize on my credit report without legally validating the debt first. Validation is now requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) My ChexSystems report consist of 2 fraudulent account with XXXX XXXX XXXX XXXX account XXXX that closed XX/XX/XXXX and an account with XXXX XXXXXXXX  under account number XXXX that closed XX/XX/XXXX fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

Truist Bank has issued a new {$25000.00} Personal Line of Credit to my DECEASED husband ( he died in XXXX  ). The statement I received is in his name, says that it is on automatic payment ( XXXX  ), and was sent to my address in XXXX ( where he never lived ). There is currently a XXXX balance, but I am concerned that someone else opened this account. 

I called the bank, but they won't take any action on it because I am not him, and, in fact, claim that they can not find any information based on the statement I have in hand. He had accounts with a previous bank ( SunTrust ), which was bought and rebranded to Truist, but closed those accounts at least XXXX years ago. 

I am concerned that they are issuing new lines of credit in his name and that some kind of fraudulent activity is occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have someone elses social security number on my credit report even though I submitted them pictures with her whole social and a picture of my social security card.