23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/year> I was made aware that Kohls credit card that I had was switching to Captial one bank. When notified of this I immediately, called kohls and had my account closed my account down. 
They then sent me a letter, which takes ten business days or so, which the letter is dated XX/XX/year> that my account has been closed. 
The reason I closed this account, is because I do not do business with capital one due to, not being able to resolve issues and also, charging for annual fee 's, to customers with wonderful credit scores. Years ago I closed all my accounts with them and never did any business with them again. 
I started receiving, emails from them, one after another, telling me they would be taking over my account, which I no longer had with kohls. So, I contacted capital one and advised them account was closed, and I had this letter with proof I longer had an account. They did not want a copy, no one could understand what I wanted, they could not give me a corp. phone number. Same issue of why I left them before. 
Now XXXXXXXX XXXX XXXX, Capital one took it upon themselves to send out a credit card to me, for an account that I longer had open. I am not activating this account, nor do I know who to communicate with anymore, because if you call them, they want card number and informaton, for a card that I was not supose to have in the first place. 
I am asking for your assistance, this company should never have shipped a closed account credit card to me in the first place.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion, XXXX, XXXX for myself XXXX XXXX last four Social Security number is XXXX, XXXX : XX/XX/year>. Please delete the following accounts.
Product: Vehicle loan or lease

Second part on the car got into a bad car accident. Credit acceptance was notified that the car was hit by a 18 wheeler truck. They did not wait until the insurance company send someone out to inspect the car and marked it as total loss instead they went and picked up the car and place it on our credit report as Voluntary repossession returned voluntarily which neither party did. Credit acceptance is a fraud. I requested numerous documents back in 2021 of XXXX, XXXX, XXXX, XXXX and XXXX to provide proof that we surrendered the car and how much what owe and why was the amount was still XXXX for the past 2 years. They still have not provided me with no documentation.
Product: Checking or savings account

On XX/XX/XXXX, a hold was placed on my Bank of America account by the state of Connecticut for back taxes from the year 2014. I had been paying on these and had neglected to use their automated system correctly. I called the state XX/XX/XXXX and worked this out with them and they sent a fax to Bank of America requesting the lien be released. On XX/XX/XXXX I again called the state of Connecticut as I realized they had incorrectly also charged me for two years I did not live in the state. They apologized and sent a second fax to Bank of America asking them to expedite the release on my account. I also called Bank of America XX/XX/XXXX and was told it would take XXXX business days for the hold to be released, and that any overdrafts in that time were my responsibility. I asked at that time to speak to Bank of America 's legal department as it did not make sense to me why it would take so long to release this hold. They assured me it took that amount of time due to the many holds they received and that I would, indeed, be responsible for overdrafts accrued in that time. On Tuesday, XX/XX/XXXX, I again called Ban of America and was told the hold would be released within XXXX hours. Friday, XX/XX/XXXX, the hold was still not released and I called and spoke to a supervisor in Texas. he called the legal department and assured me the hold would be released Friday at XXXX XXXX XXXX time. It is not Saturday, XXXX, and my account is still unaccessible. I now have accrued almost {$300.00} in overdraft fees, due to automatic bill payments, and will likely still accrue more this weekend. I am appalled at this practice. I do not believe it takes XXXX, and no XXXX business days to release a legal hold on an account, I believe this is yet another way for Bank of America to take fees from people who can ill afford it. They don't care if they lose my business, that is clear, their corporate accounts are all that matters. I have been with this bank for 24 years, and can not believe this horrific service.
Product: Mortgage

My mortgage company Shellpoint Mortgage Servicing has put my account without my authorization into a forbearance plan on XX/XX/XXXX. 
Since then I have been calling twice a week and I have emailed them requesting the removal of forbearance plan. I received a letter and was told by customer service that I am not in forbearance and that is the IT problem and that the ticket was created on XXXX XXXX. Nothing is solved as of today XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. 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. 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete these inquiries due to violation of 15 USC 1681b 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I left the USA on XX/XX/XXXX after I accepted an international assignment with my company. 

Before leaving I settled all my credit cards and debts. I had a credit card with XXXX XXXX  and I paid in full its balance. 

A year later, on XXXX XXXX, XXXX charged me an annual {$49.00} management fee for the credit card I believed was closed and settled. 

I was not monitoring this as I assumed I was in good standing with my debtors, so I didn't see nor pay it. 

I returned to the USA in XXXX of XXXX and I found in my credit report this outstanding amount affecting my credit score. I disputed it via Experian the week of XX/XX/XXXX. As a result XXXX  XXXX updated my report and it now shows the balance as Charged Off since XXXX all the way to today. This lowered my credit score from over 700 to XXXX. 

I have called several XXXX  customer services XXXX numbers and spent several hours on long waits. The XXXX employees I have spoken to do not know how to settle this and keep sending me to call other XXXX number lines/departments with no one assuming the solution. The XXXX   associates argue that the fee is so old, that they can not see it in their system anymore. I even offered to pay the {$49.00} ( even though I disagree with it ) in an attempt to close the matter and improve my credit score.  The XXXX customer services representatives again argue that the fee is so old that they can not settle it in their system, I disputed the account once more with Experian and XXXX came back with the same vague answer, updating the credit submission as Charged Off. 

On XX/XX/XXXX I sent a letter to : Dispute Resolution department Re : XXXX XXXX  Credit Card. 
XXXX XXXX XXXX XXXX, GA XXXX And I have not heard back from them. 

I believe this matter is unfair, a result of an internal mistake from XXXX XXXX, and is directly affecting my credit score. 

Could you please help me to solve and clean my credit score?

Thank you
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. 
XXXX XXXXXXXX XXXX XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CMRE Financial, XXXX XXXX, XXXX XXXX, XXXX and XXXX are reporting inaccurate information such as balances, account number, and dates reporting on my credit file. They have all failed to report accurate and complete information on my credit file. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a car loan because of these accounts and would like this matter resolved as soon as possible. I would like these accounts deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA laws by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 
Thank you for your time.
Product: Mortgage

AT SOME POINT IN TIME JP MORGAN CHASE BANK BECAME SUCCESSOR TO INTEREST ON MY MORTGAGE AND I DEMAND ANSWERS AS TO WHAT SPECIFIC DATE THIS TRANSPIRED AND FROM WHOM. I ALSO WANT TO KNOW WHAT LOAN NUMBER THEY HAD FOR ME. I DEMAND THESE ANSWERS FROM THEIR LEGAL DOCUMENTATION IN WRITING.
Product: Debt collection

I received alerts from XX/XX/XXXX and XXXX that Southwest Credit Systems opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor Southwest Credit Systems has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX for {$400.00} and was removed. Southwest Credit Systems is reporting {$400.00} to all three bureaus.
Product: Credit reporting or other personal consumer reports

Hard Inquirie Account Name : XXXX XXXX XXXX XXXX. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 agencyshall ( 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Hard Inquiry immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is attempting to collect on a debt I do not owe. I had no idea this debt was on my credit file until I checked my credit. However I immediately paid the debt as soon as I found out. I believe XXXX XXXX is in my violation of my 30 day right to dispute & feel that account needs to be removed.
Product: Checking or savings account

My husband and I came to us bank in XXXX kansas to close my deceased father 's account which I brought a certified death certificate to them and someone working there pretending to be the supervisor said he was alive but he has been deceased since XX/XX/XXXX. I'm my own payee and I was being told the run around that I can't get that money. I'm still waiting for this " acceptance letter '' in the mail and have no had access to the account for almost three months now. They put my father as legal guardian but he was my payee. The person who said he was alive has made it a life or death situation for me and my husband and I even went to the court house which they told me my father didn't put himself as guardian. I'm his only living child, I have no other family alive. The account is joint but I'm not allowed access to it.
Product: Credit reporting or other personal consumer reports

I requested incorrect information be removed from my report by Transunion. I submitted proper documents to substantiate my request. I sent in police reports, FTC reports, identity information. Transunion removed the item initially and then reinserted which is a violation of my rights. 

Please see attached documents
Product: Debt collection

Debt being reported to XXXX  is not mine. I have contacted IC System and XXXX  to no avail. The debt is invalid. I owe nothing to XXXX XXXX XXXX. This debt was satisfied with XXXX XXXX XXXX when I stopped doing my business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you. 

Experian just sent me an update about my FICO score and told me my FICO score decreased. No explanation why. The dashboard indicates 4 late payments, but no information about what. I have not been late with anything in YEARS. So right now, XXXX XXXX reports my fico as of XX/XX/19 is XXXX. Experian has me today at XXXX. There is no explanation and no reason I can figure out for the decrease. I pay everything on time. I have done nothing in the past three months but decrease my debt. Nothing is outstanding. Everything I've done should be increasing my score. I try to call them and it is impossible to get in contact with anyone. I need answers as to why my score decreased and what I need to do to improve it. I think they're trying to push me to add my utility bills to my credit score, and falsely creating a decrease to force me to do something.
Product: Credit reporting or other personal consumer reports

USC 1681 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency If- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and USC 1681 ( li ) the information is, in fact, inaccurate. 

( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Below are the listed accounts that are not accurate and needs to be removed immediately per law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

I had a payday loan with Mobil Loans for a few years. Recently was informed by them that they no longer could make loans in Pennsylvania. So, I paid off my loan with them but they are still charging me fees. My last balance was {$61.00} which I paid on XXXX. Now they are charging me {$8.00} in fees for a loan that is paid in full. Recently I checked on line and they have added another {$8.00} in fees stating that I now owe {$17.00} for a loan that has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Experian are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX XXXX  is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). See Exhibit A. XXXX XXXX XXXX is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. See Exhibit B for the account I, the consumer, am speaking of. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and experian has an account on my credit report thats not mine. 
XXXX- account not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX  data breach several accounts on my credit report are not mine listed XXXX  Report Number : XXXX Transunion File Number : XXXX XXXX  Report Confirmation # XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX  Account number HLTHFRXXXXXXXXXXX Collection opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX xxxxxx XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX {$36.00} XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information thank you so much and be safe out there wear a mask stay at home