23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The credit card company has started charging a monthly fee for member maintenance fee on top of the annual membership fee. I called the company and asked them to explain the difference between the two fees and they refused to do so. I advised them to confirm that my account has no activity for the past 2 years and to advise what they are maintaining on my account, especially since my account is set up for electronic billing ( of which there is none since there is no activity and my account is also set up for electronic payments ).

I asked for documentation to be sent out regarding the fees and I was told that could not be done. I advised the representative that someone from their legal department needed to contact me as my questions were not being answered by the customer service representatives. 

I believe this company is making up fees and charging for services not provided by them. 
I will also be filing a complaint with my State Attorney General.
Product: Credit reporting or other personal consumer reports

This account has been reporting inaccurately on my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} - Chargeoff XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} - Chargeoff XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Chargeoff XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} - Chargeoff XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff- XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} - Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

CHRYSLER CAPITAL In accordance with the Fair Credit Reporting act XXXX  Account # 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: Mortgage

Freedom Mortgage Company recently purchased my home mortgage from another lender.

I am attempting to pay off my mortgage as soon as possible by paying an additional {$500.00} per month to pay down principal. This company refuses to allocate these funds to principal, and instead applies the excess funds to future payments. Multiple phone calls have resulted in conflicting information, and no results.

In my first call, I was told they would make a note on my account to ensure future payments would be allocated properly. The next month they were not.

In my second call, I was told that they could not process principal reduction payments from electronic payments, only if paying by check.

The next month I sent a check clearly showing the allocation I desired. Freedom Mortgage ignored my instructions, and allocated my funds to future payments. Their representative was clueless and said a supervisor would call me back. I received no such call.

Additionally, in my second call, I was told there were multiple fees to pay off my mortgage in full. I asked for and was told I would be sent documentation from my original mortgage contract allowing such fees. No such documentation was forthcoming.
Product: Debt collection

CAPITAL ACCOUNTS was sent a letter certified mail on XX/XX/2020, with regard to a debt that appears on my credit report for XXXX XXXX : XXXX that was changed to XXXX on XX/XX/2020. CAPITAL ACCOUNTS was given 14 days to respond with validation for this debt, but as of today has failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to Experian/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Credit reporting

I disputed an account and requested verification of the following account that Transunion has re-listed on my credit file : US Bankruptcy Court XXXX GA # XXXX ;. Transunion listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification. 

On my dispute submitted XX/XX/XXXX, and XX/XX/XXXX, Transunion has yet to verify this account. However, interesting enough, they have stated they verified the account. 
Since Transunion states they use XXXX XXXX as the source they obtained the information, I called XXXX and the agent I spoke with advised me that my security freeze was confirmed and set into place. She also told me that there is NO inquiry from Transuion or mode of verification from XXXX XXXX to Transunion showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Transunion shows as reported. 

I demand that this public record US Bankruptcy Court XXXX GA # XXXX is removed due to lack of verification and inaccurate reporting of verification! XXXX XXXX agents assured me that Transunion 's so-called " verification '' WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE ON IT. 

I demand that this unverified account : US Bankruptcy Court XXXX GA # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I would like to note that XXXX has deleted this unverified account from my report because they stated they falsely verified this account. Although these are XXXX companies are different I suspect the same results when a creditor has reported false information
Product: Credit reporting, credit repair services, or other personal consumer reports

I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my Experian credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. I filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. I also put a seven year fraud alert on my credit report.

I disputed these activities and sent the necessary documentation, which prove that I was not in the US when these accounts were opened, to both the credit bureaus and to the companies.

Despite all these efforts, Experian still keeps the record of a car loan account with the XXXX XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I was abroad. This affects my life very badly because of the damage done to my credit history.
Product: Credit card

XX/XX/XXXX- XXXX delivered to my organization addressed to me requesting additional required information for a business credit card application. Was given 14 days to respond. 
Immediate call to XXXX XXXX XXXX XXXX was returned informing of fraudulent activity/ application. 
XX/XX/XXXX, Letter delivered to my organization address to my organization on my behalf stating that I must act immediately to avoid disruption of account ( s ) Information would need to be provided by XX/XX/XXXX. Immediate call to XXXX XXXX XXXX was place notifying of fraudulent activity. 
XX/XX/XXXX XXXX received to my organization on behalf on my behalf stating that due to required information needed to move forward with the following restrictions was made on withdrawals for issued checks, debit purchases, checked written would not be honors. Immediate call was placed to XXXX XXXX XXXX. 
XX/XX/XXXX XXXX received with approved Chase for XXXX XXXX to be activated with Fraudulent name on behalf of my organization. 
I was instructed to visit a local Chase bank to try to resolve and I would receive detailed instructions on fraud protection actions. Several calls placed with no resolve.
Product: Credit reporting or other personal consumer reports

According to FCRA Section XXXX ( a ), credit reporting agencies are obligated to promptly remove any information flagged by consumers as linked to erronoeus activity, ensuring action within four business days from receipt of such notification.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Debt collection

Due to the national data breach my personal information was compromised. I have contacted IQ DATA ( collection agency that purchase debt ) also XXXX XXXX XXXX XXXX  that claim to be original debtor. I have sent all information concerning my identity theft and this company refuse to remove.
Product: Checking or savings account

Around first week of XX/XX/XXXX, I applied for a loan at Golden One, but I was not approved. They sent a letter and called to notify me that I'm not approved for my loan application. So I didn't continue with the said loan. Then on XX/XX/XXXX, without my knowledge, Golden One had deposited a check of {$13000.00} on my checking account. One day, around XXXX, I checked my statements and realized that they gave me the loan amount of {$13000.00}. I went to the bank and told them that I do not have any knowledge about the loan amount that was deposited on my account, due the fact that they had already denied my loan application. The money is left untouched in my checking account and not been used for other purposes. Then the monthly payment started on XX/XX/XXXX, which caused the bank to deduct the payment amount. On XX/XX/XXXX, the amount was already low because of the automatic payments. I told them that I didn't make any payment but Golden One said I did. It was automatic and paid for monthly for 3 months. I did not setup any automatic payment because I was not supposed to be approved of the loan. All the automatic payment was setup by the bank. By this time, the remaining balance on the loan was already {$10000.00}. you could see the loan was left untouched and only the automatic payment caused the money to be reduced. I spoked to an investigator and they told me, based on their investigation, they used my voice and my automatic signature from an e-sign. I have attached proof that the money was left untouched until the automatic payment kicked in. If I knew that they have given me the loan, I should have withdrawn and used the said loan, but the {$13000.00} was still in my checking account, untouched. 

With all these new technology coming out, my voice can easily be impersonated and also manipulate the document e-sign with a pre-made one.
Product: Credit card

Please find the attached documents. I request the bureau to launch an investigation into these accounts, as I have never been late, yet they are inaccurately reporting me as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting on my credit file incorrectly and there are some items that do not belong to me : The following that is incorrect are : 1. XXXX - This account is showing inaccurate late for XX/XX/XXXX - XX/XX/XXXX ; please provide me with proof of these inaccurate reportings are correct. 

2. XXXX  XXXX - This account is showing inaccurate late for XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

3. XXXX - This account is showing inaccurate late for XXXX & XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

4. Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts does not belong to me. This is not my accounts : 1. XXXX  - This is not my account ; I never opened this account. 

2. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$0.00} 3. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX # XXXX 15 U.S.C. 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. 1681 C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have not had XXXX, XXXX insurance since over a year, and a half. I am XXXX on XXXX after losing my career, losing my life with a fire in the home. I called the only doctor I knew XXXX XXXX for my XXXX, and they said on the recorded line I did not come this day ; there are no fees. All others have had there time to file with past insurance before, but all ways paid, once I switched insurance I had bills claiming money. This is unfair. I need to work move on. 13 young men are in jail now. I can not afford the insurance I use to have, and have another. I reported to the state with incident, case numbers as well. This is fraud and remove pls. My credit is great. This is fraud. Trans world Systems In XXXX. XXXX XXXX XXXX, DE XXXX {$33.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit card or prepaid card

It was in the understanding that Capital One would not assess any late fee charges if I paid account as agreed on time which I have and was assured by the representative. Now they are going back on there word and assess late fee charges of {$26.00}. In XX/XX/XXXX. The charge is in error because I paid by account balance at the time it was due. I specifically asked the account representative if the payment was on time she confirmed that it was and that I would not be assessed any late payment charges to my account. 
I was informed by Capital One on XX/XX/XXXX after receiving and activating my new charge card that I was assessed a late charge by Supervisor Account Representative that there was a charge of {$26.00} assessed to my account due to late payment. I explained to Supervisor that the prior representative whom I made my timely payment on XXXX XXXX XXXX  informed me and assured me that there was no late charge payment assessed. I asked him to please review the recording and if we could review together for accuracy and supervisor informed me there was nothing he was going to do about it. There was no empathy from supervisor and he was unable to help me and was ready to hang up and stated if I did not like it I can take my business elsewhere. Then was told with this kind of account being that it being a secured account there is no courtesy to be given to which made me feel less than offensive veiled comments to a card holder. I was also told by supervisor that I was denied information as to the recorded call due to the fact that was Capital One proprietary information and that I could not listen to my own call that I authorized to be taken. I then asked where in the Capital One policies and procedures that I could go to read and review as to why I am being denied this information. I then requested to be able to speak with another manager or someone from the corporate office and he very rudely stated he was the highest level and made me believe that there was no one else. At this point I let him know every organization has management and/or a corporate office, extreme unprofessionalism. At that point I asked if this call was recorded for accuracy and was informed that it was so I would like both calls reviewed. I am beginning to believe that this type of behavior is typical of Capital One. I think this supervisor was incredibly offensive, insulting and discriminative towards me. I must insist that this complaint be investigated to the fullest extent possible. I also request that the results of this investigation be sent to me so that I might personally review the findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I was unaware of any notifications about debt collections. I believe this is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX, {$250.00} was debited from my XXXX prepaid card from Navy Federal Credit Union XXXX The authorized payment was approved with auth code XXXX. 

At XXXX, per my XXXX account details I was changed an {$250.00} from Navy Federal Credit Union XXXX The payment was debited with auth code XXXX. 

That same day, I contacted both XXXX and Navy Federal in hopes of resolving the duplicate payment error. However, I was advised by Navy Federal they are only reporting one payment received from me. Even after providing the authorization codes and dates, I still havent received my {$250.00} back. 

I filed a debit card dispute with Netspend and I feel they did not do a thorough investigation per Regulation E. I also feel that both XXXX and Navy Federal are violating UDAAP regulations as it pertains to the lack of services received.
Product: Credit reporting or other personal consumer reports

I have been violated in numerous ways by these companies as federally protected consumer I have late payments I need updated immediately to paid as agreed this information is not reporting accurately and harming me tremendously. 15 USC 1666b also 15 USC 1681 these United States codes are being violated. According to 16 CFR 313 I have the right to privacy, as well as 15 USC 1681 inquiries need to be deleted immediately thank you for you duties to help consumers stay protected from predatory lending in the United States of America in God we trust!
Product: Debt collection

ON XX/XX/XXXX There was an account opened in my name that is now in collections for {$9300.00} ALSO ON XX/XX/XXXX There was a false collection for {$670.00} under my name that should have been resolved already. 

15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions.

15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.