23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX, 2021 my wife and I arrived in XXXX, XXXX on vacation. We toured the XXXX district through the XXXX, shopping and eating in restaurants. At some point on the XXXX or XXXX, two large charges were made on my Capital One credit card without my knowledge or consent. We were unaware of this at the time. After spending several more days in XXXX, on the XXXX we flew to XXXX, where we discovered the fraudulent charges when my card was flagged as I was trying to pay a hotel bill. We immediately called Capital One to report the fraud. The next day, unbeknownst to me, Capital One emailed me a letter denying my fraud claim, apparently based only on the assertion that the card chip had been used. Since then, in numerous calls and letters, I adamantly denied that we had made the charges, and pointed out that the card had been out of my possession for extended periods when for example waiters took the card to charge food and drinks. Despite my numerous denials, and complaints filed with the FBI and the Washington State Attorney General 's office ( under oath ), Capital One continues to harass me with ongoing emails and voicemails, trying to bully me into paying these manifestly fraudulent charges.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit reporting or other personal consumer reports

My XXXX  loan balance and payment history is incorrect as my balance has been at XXXX since XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report that don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX XXXX, XX/XX/2017, XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$4000.00} XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX - XXXX - XX/XX/XXXX - {$7200.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$13000.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$5300.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Original creditor : 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 a account without my written instructions
Product: Credit card

I created an account to monitor my credit, and see that I was impacted with late history from 2020 that should not have updated to my profile.. this was during the height of COVID with a global shut down. Plus, this card was in forbearance with the agreeance to remove any derogatory history during that timeframe. Please note I have made all payments on time otherwise, have had no issues with this account. I have a small, fast growing family and we are working so hard to finally get our first home. This is having a detrimental effect on my entire family and I desperately need help with this.
Product: Debt collection

I am writing to file a formal complaint against Harris & Harris , Ltd., for what I believe to be clear violations of the Fair Debt Collection Practices Act ( FDCPA ) in their attempts to collect a supposed debt from me. My concerns are as follows : 1. Violation of Validation Notice Requirements : I received a communication dated XX/XX/year> from Harris & Harris , Ltd., regarding a debt related to a traffic violation. This notice failed to include the mandatory validation notice detailing the amount of the debt, the name of the creditor, and did not inform me of my rights to dispute the debt within a thirty-day period or to request verification of the debt 's validity. 

2. Failure to Include a Tear-Off Dispute Form : In contradiction to the FDCPA 's recent amendments, specifically under 12 C.F.R. 1006.34, the notice did not contain a tear-off dispute form. This form should provide pre-written prompts for disputing the debt and the option to request the name and address of the original creditor, which are critical for ensuring a consumer 's rights are upheld. 

3. Lack of Clarity in the Payment Stub : The payment stub included with Harris & Harris , Ltd. 's notice lacked the necessary clarity and information. This omission could easily mislead a consumer regarding their payment options and rights, directly contravening the FDCPA 's stipulations for clear and non-misleading communication. 

These issues have not only caused me undue stress and confusion but have also led me to question the legitimacy of the debt collection attempt itself. I am therefore requesting a thorough investigation into Harris & Harris , Ltd. 's practices to ensure they align with the FDCPA 's standards. 

Additionally, I seek the cessation of all collection attempts by Harris & Harris , Ltd. until such time as they can verify the debt in question adequately. Should this debt not be verified as per the legal requirements, I request its removal from my records and an official apology from the agency for the distress and inconvenience caused. 

I trust the CFPB will take my concerns seriously and look forward to your swift action in resolving this matter. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I am rewriting to address a matter of utmost concern to EXPERIAN regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that Experian conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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
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 U.S.C 1681.

Account ( s ) : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX 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 more than seven years.

15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : 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

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 1 year or so I XXXX XXXX XXXX have submitted over 6 attempts ( Which I have proof ) to get the bureaus to get this Illegal account off my credit report which has been illegally reporting on my credit report. The most recent request sent by certified mail have been on XX/XX/2021, XX/XX/2021 and XX/XX/2021. Each one of these request no response has been given. They have failed to provide me per the Fair Credit Reporting Act, Section 609l ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have reached out to 3rd party verifiers that bureaus do business with and none of them claim that this account is reporting with my correct info on it. The information they have on file is incorrect and for the past year they have blatant refused to remove the bankruptcy off my account or provide me documentation that they have the verifies that I am the correct account holder of this public record. This has now caused me to lose out on a business opportunity that would have helped out my family. 




Chapter XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to buy a new car and while running my credit. There were hard inquiries I did not do, please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act 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
Product: Debt collection

XXXX XXXX from Harris and Harris located at XXXX XXXX XXXX in XXXX called my daughters phone number about 3 weeks ago. My daughter has developed medical issue dealing with her XXXX in the last year. Last summer she went to XXXX XXXX for emergency care. They never asked for her information but sent a bill. I am the insurance holder so I submitted my insurance information. Earlier this year another representative from Harris and Harris called me. I explained that the {$950.00} bill was inaccurate as XXXX never submitted it to my insurance and never sent payment reminders. I also said this should not be a case of collections. This representative apparently did submit the insurance information BUT we still never received a bill. Three weeks ago XXXX called my daughter who is not the insurance holder and told her if she did n't give her money over the phone this would go against her credit. My daughter asked her to send us a bill after explaining the situation. XXXX repeatedly said that she had to pay money on the spot or this would go against HER record. I am tired of medical companies billing practices. This is not the first bill that has fallen into the cracks and has appeared a year later. We simply asked XXXX to send us a bill through XXXX as this is NOT a collection issue and she refused. I did receive a bill BUT through the collection agency. I have paid many other medical bills for my daughter. There is no reason why I would n't pay his one. Medical companies should be required to bill consumers accurately within 30 days of a service and follow up on a monthly basis before sending bills to collections. Since this situation is a billing issue with XXXX it should not eve be handled through any collections agency.
Product: Mortgage

Bank of America refuses to terminate mortgage insurance on the property, even thou the LTV is below 70 %. BofA demanded we pay {$450.00} for another appraisal to be done by XXXX XXXX XXXX XXXX. I think it is unnecessary and violates the spirit and the letter of the Federal Homeowners Protection Act of XXXX as amended in XXXX. The full appraisal of the subject property was performed on XXXX XXXX, XXXX by a fully licensed appraiser, certified to perform appraisals for FHA. The subject property was appraised at {$490000.00}. A copy of the Appraisal Report was submitted to BofA on XXXX XXXX, XXXX. The current Principal Balance on the loan is {$340000.00}. That makes LTV below 70 %! In the letter dated XXXX XXXX, XXXX received from BofA, it estimated the Property Value as of XXXX XXXX, XXXX to be {$470000.00}. The LTV ratio based on BofA 's own Property Value Estimate is below 70.00 %. Furthermore, even if you take the Purchase Price of the Property at the time of purchase in XXXX, of {$430000.00}, the current LTV is still under 80.0 %. On XXXX XXXX, XXXX we send a check for {$450.00} to cover appraisal fee for a second appraisal as Bank demanded. Bank cashed the check immediately and still has not even started process of appraisal. I called back PMI department they said they do n't see payment for appraisal being processed! I filed a complaint with CFSB on XXXX XXXX, XXXX, got a letter from XXXX XXXX, " customer advocate '' that she is going to resolve the matter by XXXX XXXX, XXXX. Nothing happened as of today. I am leaving messages to her phone number XXXX it does not even ring, goes straight to voice message ) she calls me back XXXX days letter when I am not at the phone and leave me a message. There is no way to get a hold of her. I asked for a fax or email to communicate, with no success. Nothing is being done and PMI is still charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XXXX  XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 2018
Product: Mortgage

1. I fought the township and village tax amount with the township starting in XXXX  of XXXX ... immediately upon receiving my tax assessment. I won and they adjusted the amounts. This process took a few months due to COVID and I had to go to the state after the township initially did not lower the tax amount by enough. 

2. Due to the timing of taxes being paid the above settlement being completed, I was sent indicating I was short on my escrow by a substantial amount. 

3. Since XX/XX/XXXX I have had approximately 10 communications ( started with email and switched to calling since I did not receive responses to emails ) with United Shore Mortgage regarding my escrow account since I needed to know the correct amount to pay and the village had indicated they never received payment of my taxes and therefore was late. During these communications I was promised call back from supervisors which I never received ( more than once ), promises to resolve the problem, etc. I only finally made progress as to the issue when I demanded a conference call with the mortgage company, XXXX XXXX tax dept, and myself. During this time they increase my monthly payment since they said I had a shortage on my escrow. 

4. The last 2 communications were as follows. I spoke with XXXX and she indicated she would request an reanalysis of my escrow so a final amount could be determined if I was still short and what my monthly payment would be. She said when she calculated it, my monthly amount should go down but was not the official analysis and since she requested on XX/XX/XXXX, it would be done not for my XX/XX/XXXX payment but it would be for my XX/XX/XXXX payment. I received my XXXX bill and it has not changed and when I went on line the reanalysis of my escrow was not done in XXXX nor XXXX yet. I called United Shore Mortgage back on XX/XX/XXXX and once again was given the run around ... they would request to see what is going on. I told him I wanted a call back tomorrow or I'm call my lawyer and XXXX XXXX XXXX I also told him I would be going to submitting a complaint. 

5. I will not be attaching documents as the mortgage company should have all of these and at this point in the process they have what they need to finish the job.
Product: Credit reporting

TransUnion uses antiquated web programming that according to their own technical support people and support pages does not support XXXX / XXXX / XXXX / XXXX and only supports PCs. In today 's world, this is an absurd limitation and puts an undue burden on the consumer. With their tech support on the phone I tried to login using XXXX, XXXX and XXXX browsers on a XXXX. None of them worked. I subsequently tried to login from a work PC laptop I still had around and still I could not login. Their solution??? Send you a copy in the mail a week later!!! Worse yet, without login to web interface it makes it near impossible to dispute issues because their operators barely speak XXXX and are complete idiots. Worse yet, their data is completely erroneous and is not even close to the other bureaus. There should be financial penalties against credit bureaus that consistently misrepresent your credit history. I have had a house for 32 years and a mortgage for years. Sure, it has changed hands due to banks going bankrupt, but they punish my score because they suddenly say I do n't have a mortgage anymore even though the lender has not changed recently.
Product: Checking or savings account

I am a small business owner who was affected by the pandemic just like millions of other hard-working individuals and I was awarded two disaster relief loans. XXXX XXXX XXXX, without consulting me, closed my account and debited my account nearly over {$15000.00} as if I were in receipt of the funds fraudulently causing me not to be able to open accounts at any larger, national bank and Early Warning Services as well as XXXX XXXX won't allow me to dispute what they have done to remove the erroneous charge-off. I owe nothing to XXXX XXXX XXXX. In fact, I have been a loyal customer for nearly 20 years, and they treated me like a common criminal within the past year when all they had to do was ask for my loan documentation to verify the loan proceeds that I received for my business.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX previous XXXX XXXX XXXX XXXX I am writing to formally notify your offices that I am a victim of identity theft and fraud, and I am also a survivor of XXXX XXXX Fraudulent accounts, credit cards, and debts have been opened or incurred in my name without my knowledge or consent. These actions were not taken by me and were entirely against my will. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Credit Repair Organizations Act, I demand that all fraudulent accounts, negative items, and associated debts be removed from my credit reports immediately. I also request that any inquiries associated with these fraudulent accounts be deleted from my file. 

To protect my credit and prevent further misuse of my personal information, I also request that a fraud alert and/or credit freeze be placed on my file. Please update me once these safeguards have been implemented. 

This fraudulent activity occurred outside of my control as I was a victim of XXXX XXXX a situation that stripped me of my ability to control or protect my financial information. I am not responsible for any of the resulting accounts or debt. 

I expect a written response confirming that all fraudulent accounts and entries have been permanently removed or blocked from my credit reports. If additional information or documentation is required, please contact me at XXXX or ( XXXX ) XXXX I appreciate your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX : Copy of government-issued ID
Product: Debt collection

I received a notification that there was a collection account being added to my credit report. This account I am not aware of. I have filled out an FTC Affidavit and a police report attached. The account needs to be removed from all three credit reports and closed a s identity theft.