23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent accounts 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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX  XX/XX/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, TX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX  XXXX  ) XXXX Balance : {$3700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX XXXX XXXX XXXX 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

I have also made a request to the student forgiveness department on the student aid website to remove this from the account anyways as it is under {$10000.00} and has the same guidelines that fit the criteria. 

I am reaching out and trying to be as polite as possible for you to take the account off of the attached SSN. ALSO SOME OF THESE ACCOUNTS DO NOT EXIST ON OTHER CREDIT PROFILES! There are different account holders for each account on XXXX, EXPERIAN AND XXXX! 

( XXXX XXXX XXXX ) Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate
Product: Checking or savings account

on XX/XX/2023, someone accessed my bank accounts with Wells Fargo. they moved XXXX from my checking account to my savings account. then somehow they set themselves up using XXXX and XXXX themselves three transactions depleting my account. i immediately called the bank and filed a fraud claim. they even told me they could see that someone was trying to access my account from New Jersey at the same time I was speaking with them My daughter was listed on my account just because after my husbands XXXX 
, i wanted her to be on there in case something happened to me. she had never accessed the account as she has her own accounts with XXXX XXXX XXXX XXXX wells Fargo said there was no fraud as someone accessed my account using her info. She has had problems with her phone she thinks through a XXXX XXXX data breach. someone must have spoofed her phone. I even went to the bank and the branch person called to file another complaint she knew i was speaking the absolute truth. My daughter never took my money nor did she give access to antione else. they have never given me anyy up addresses or anything regardless, this was money i worked for and they will not help me. i have since closed my accounts with them. im now at another institution i thought my hard earned money was safe im a XXXX and work two jobs. i feel like ive been XXXX with no one to turn to. XXXX XXXX not be much to some people but its a lot to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, h

as 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
Product: Vehicle loan or lease

I purchased an XXXX XXXX XXXX ( VIN # XXXX ) from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, on XX/XX/XXXX. The car was financed for approximately {$26000.00} by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA, XXXX, Phone : XXXX. The monthly payment for the car is {$600.00}. Currently, the amount due on the car is {$1500.00}. The car payment became behind effective XX/XX/XXXX. The car was repossessed by XXXX XXXX XXXX without warning or compromise on XX/XX/XXXX. I contacted the contact several times on XX/XX/XXXX to make financial arrangements to retrieve the vehicle. I was informed that {$2500.00} in order to retrieve the vehicle. I asked what was included in the {$2500.00} and I was informed that the past due amount of {$1400.00} ; late charges of {$60.00} ; and {$540.00} for the repossession fee. There is a {$490.00} from the total amount they gave me ( {$540.00} ) and the various fees. I was never told where the additional fees were coming from nor was I granted the opportunity to even pay the amount in order to retrieve the vehicle because I had someone else driving my car at the time the car was repossessed. I have been contacting XXXX XXXX XXXX every day since XX/XX/XXXX without resolution. I was informed on Monday, XX/XX/XXXX, that my request for retrieval was denied because someone else was driving the car when it was repossessed. Then I contacted the company on XX/XX/XXXX about making arrangements for the person to retrieve their belongings, I am told that I will be emailed a form for me to submit and it has to be approved. The financing is holding the belongings of the car hostage! Every time, I contact them I am transferred to several people and always end up with they are in meeting. Someone will call you back which no one never does. I went online to XXXX ( XXXX XXXX XXXX ) and found that the company has over 200 complaints against them regarding their predatory practices. I would like this company investigative in-depth and either the vehicle returned or any negative reporting on my credit reports regarding the purchase of this vehicle removed.
Product: Debt collection

On XX/XX/2023 I went to renew my vehicles registration. I noticed there was a non renew on the registration due to an unpaid pay by plate in the amount of {$290.00}. I paid this balance expecting it would resolve the non renew issue. When it had not be resolved, I contacted XXXX XXXX on XX/XX/2023 for further information. XXXX XXXX then informed me I had collections on the account. I then called the phone number provided to me by the XXXX XXXX associate and was connected with Penn Credit Corporation. The woman I spoke with told me I owed {$860.00} and provided their payment options. I have never received a validation notice from Penn Credit Corporation nor have I received any form of communication.
Product: Mortgage

Ongoing : [ Case number : XXXX ], [ Case number : XXXX ] With regards to the response from SLS and XXXX XXXX XXXX, unfortunately it was inaccurate and lackingpertinent information regarding our initial XXXX loan modification XX/XX/2013. First, all3 initialmodification payments were made on time to XXXX XXXX XXXX and attached are supporting documentswhich were sent to SLS confirming that from copies of entries from our checking account. Secondly, wecalled multiple times to confirm with XXXX XXXX XXXX during that 3 month trial period to make sureeverything was ok and on track with our modification and each time we were told everything was fineand looked ok. And lastly, we did in fact receive a XXXX letter from XXXX XXXX XXXX on XX/XX/2013stating our trial loan modification was denied which surprised us as we had been told everything wasfine during the prior multiple calls to XXXX XXXX XXXX to confirm we were on track with our trialpayments. So as soon as we received the denial letter we called XXXX XXXX XXXX to question why wewere receiving it, and the response we received from the customer rep was to, " ... .. ignore the letter as itwas sent to us in error. '' And we were also told to keep making the trial payments even though it wasafter the 3 months which we also complied with.
Product: Credit reporting or other personal consumer reports

My account with XX/XX/XXXXXXXX was never late! I have had exceptional payment history witH XX/XX/XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.XX/XX/XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Checking or savings account

On XXXX XXXX, I attempted to deposit XXXX $ into my Navy Federal account via XXXX XXXX ATM Machine. It subsequently ate {$600.00} of those dollars before eating my card, and not deposting the funds. After a complaint to both XXXX XXXX branch, and Navy Federal, we were denied reimbursement. That amount taken by the banks is no small amount in our household, as an XXXX XXXX family hurts our monthly bills. After the complaint was filed they close the claim with no transparency to us.
Product: Debt collection

XXXX XXXX has recently purchased a debt that I do not owe from Cash Store and after repeated attempt to ask for verification that I owe the debt I have not received a response or verification. The debt has past the statute of limitations according to my state laws in Texas. I am also aware that re-aging of a debt in an attempt to collect on a debt is also illegal under the Fair Debt Collection Practice Act. the most current date on this collection is XX/XX/XXXX for the amount of {$980.00}. I also have proof that this account was should the first date of delinquency is XX/XX/XXXX which mean the account was re-aged in an attempt to further collect on a debt.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}
Product: Credit card or prepaid card

Filed complaint XXXX with CFPB, including the fact that I am serving overseas with an APO address. The email response from BoA to complaint forwarded from CFPB was to email and say I need to call them during US Eastern time. 

This puts an unacceptable burden on someone stationed overseas, in my case in XXXX, about the maximum possible number of time zones away from US Eastern Time.

Plus, they assume I can easily just phone them from overseas, which can be quite expensive. 
This makes me think either 1 ) they did not actually read the complaint that states I am overseas or 2 ) they cynically use this ploy of forcing someone stationed overseas to call them during US hours on a US phone number to further disadvantage Americans serving overseas and to manufacture, for reporting back to CFPB, the lame excuse that the complaint should be closed without action since the customer did not make that phone contact in time. Or maybe worse 3 ) Thy want to get the customer on the phone, where this is no written record, so they can claim to CFPB that the complaint was adequately closed out, while not actually providing relief. 
NOTE : It is hard to simply assume noble intent of a company that I already had reason to complain about. Any company initial response demanding a phone call from the customer in order to continue the process should keep that in mind. The customer already thinks the company did something wrong, so trust is already lost, making that customer more likely to assume bad intent on the company 's part. 

Email notice from the company asking that I call : -- -- -- " Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2021, to confirm that information. My days and hours of operation are Monday through Friday from XXXXXXXX XXXX. to XXXX XXXX Eastern .... "
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I filed XXXX XXXX bankruptcy. I reaffirmed on my mortgage that I have through XXXX XXXX XXXX but is serviced by XXXX XXXX XXXX and never missed a payment or was late. On my credit report it shows that I filed bankruptcy on the house and it doesnt show that Ive made any payments since last XXXX. Ive contacted XXXX XXXX XXXX 3 times for them to correct it but every time they tell me it should be updated next month. Ive contacted them once a month for 3 consecutive months but it still hasnt been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was in desperate need of a vehicle and the dealer convinced me accept a loan from XXXX XXXX XXXX for $ XXXX/month. I was told i could refinance in 6 months. When I attempted to refinance I was told by XXXX XXXX that refinancing wans't an option or a service they offered. I struggled to try and make the payments on the loan but it was repossessed in XX/XX/XXXX. 

I have been trying to correct this matter and since I have started appealing the report for the balance owed, after the vehicle was sold at auction ; XXXX XXXX XXXX has in retaliation, started reporting to the CRA as a charge off every month. My accounts now show 16 charge offs, since I am refusing to settle for their intimidation, They still call me and my relatives daily. 

I have mailed the attached letter to XXXX XXXX XXXX and I am prepared for my attorney to follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company XXXX XXXX XXXX My loan number is XXXX. I have an payment transaction dispute in of which cause my credit to take a dive, and I could not understand why my score was so low. I just paid of a home and all my cards paid down. I was recently discovered while pulling my report XXXX was the cause. They reported incorrect information of 30 and 60 day late payments. They claim my payment for XXXX was not received. I never knew this and continue paying XXXX, XXXX and XXXX as normal. unbeknown I was continuing a 30 day late since XXXX. I provide transaction trace number from my bank for them to verify and correct my Credit ASAP. I am getting the run around when calling to get status. 
Its my suspicion this company is performing this unfair practice. 
I have tried some time ago to began a refinance for the townhome to remove PMI, and go conventional. To my surprise I was unable to. I would like to see this company investigated since I was told by the phone rep this happens many times. They seem to have a practice of doing this. As you know this would stall any refinance or change of servicer. I pay my bills on time each month. I need restoration this has cause me problems relocating to NC and how I found out when trying to obtain a Home to live.
Product: Credit card or prepaid card

Applied for American Express Blue Business card which offered a 10,000 point welcome bonus after spending {$3000.00} in 90 days. After waiting some time after meeting the spend and not seeing the points post, I reached Amex. The chat agent mentioned that the " welcome offer '' was declined by Amex but couldn't explain why. This seems rather deceptive to have an offer and not notify the end user that you are declining the offer yet approve them for the credit card.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. 
XXXX XXXX BANKRUPTCY, Docket XXXX No Docket Number Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : The name of the courthouse with which you verified the information The name of the person at the courthouse who handled your request The address of the courthouse Which document you obtained to verify the bankruptcy Sincerely, XXXX XXXX
Product: Debt collection

Company is clearly purchasing very old debts and attempting collection on them. As the debt in question is from XXXX it is no longer valid or collectable and has been off my credit report for years. This company is very well aware of this and filed it onto all my credit reports anyway causing harm to my credit score. From the number of complaints on the XXXX about this company doing the same thing to thousands of others it is clear this company is flagrantly violating the laws concerning old debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

My experience with Quality Acceptance has had 0 quality and the only acceptance was that of increasing my payments with an insurance policy that was not needed as I have my own insurance bond to my liability of myself and any vehicle I drive. During the process of trying to find information about my loan from the company I missed a couple of payments and when finally I was able to speak someone about a repayment plan they come and repo 'd the car. After looking at my contract they were not supposed to repo until 90 days had passed without payment. This company has no regard for laws and statues that are there to protect consumers from contracts or predatorial finance companies such as Quality Acceptance.
Product: Credit card or prepaid card

I am a US citizen. I have had a CapitalOne credit card and savings account since at least XXXX. I moved to XXXX in XXXX because of my husband 's federal job. We retired in XXXX and stayed in XXXX. While living here we went paperless because the mail from the US is unreliable and slow, risking late receipt of bills and payments. Until XX/XX/XXXX, I had been able to go on-line to view my account, reconcile charges, make payments, and transfer money. Suddenly CapitalOne insists on XXXX step verification for security purposes using a US telephone ONLY. They refuse to use my XXXX telephone or my XXXX for XXXX step verification ( yet they use my email to let me know about posted credit card payments! ). I also have accounts with XXXX XXXX  and the XXXX XXXX XXXX XXXX and they do XXXX step verification with my XXXX phone and my email without any hassles. If they can do this, why can't CapitalOne? Although my credit card and savings accounts are still open, I can not access them electronically. Cap1 has, in effect, refused service and cut me off without any grounds other than where I live. What if XXXX and the XXXX decided to do this? That would be tantamount to preventing me from being able to live in XXXX. Does Cap1 have other US customers who reside overseas, perhaps XXXX XXXX  service members, embassy personnel, federal employees, international businesses employees? Has Cap1 cut these customers off too? Is it legal to demand that a US citizen and Cap1 customer residing overseas only use a US phone for XXXX step verification? We tried already to get a US phone to use here -- US Voice Over Internet Protocol ( VOIP ), but Cap1 wouldn't accept that. No US provider will otherwise let us have a cell phone because we don't live in the US. When I called Cap1 to complain, their proposed solution to my problem was to use the phone of a relative in the states for the XXXX step verification. That is impractical. Overseas calls are expensive. Most of my relatives are elderly and not computer savvy. I can not inconvenience my relatives every time I need to access my Cap1 accounts. The window of time allowed to input the verification code would have long expired by the time I called a relative in the US. And what if I had no living relatives?
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX