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

I closed account either in XXXX or XX/XX/2021. I then paid off the account XX/XX/2021 based on statement on the online account for Capitol One. I then went today to cancel another service I had through them XXXX XXXX and saw that I still owed money for the account that I had paid off. 
I called customer service to ask why I had this charge. I was advised by a CSR that I had to call in for final payment amount BUT there is NOTHING in writing on statement that states I need to make this call for final payoff of account. I did pay it BUT I advised that I wanted to file a complaint that this needs to be communicated with their customers. 
This needs to be in writing for ALL to know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fith Third Bank has reported an amount that is not mine they are unauthorized charges They marked it PAID in the amount of {$1100.00} but the usage still shows 395 % Please remove the usage to 0 % Because if it is paid it should be at a 0 % if this is not removed or corrected i will exercise my rights to the Ohio Attorney General! I have Identity theft on my credit report i am giving you permission to call me to open my report to prove that i have identity theft for the next 6 years. I should no have to go through thousands of disputes and still not have something removed if this isn't removed i will take this to the next level and have the attorney general make this go news media! Please Remove ALL accounts from my credit report so i do not have to take this to legal action.
Product: Consumer Loan

On XXXX XXXX 2016 my wife submitted a payment of approximately of XXXX to Wells Fargo. On the date, there was a correspondence mailed to our house which was " Notice of Default and Requirement of Strict Compliance '' On the document the box IS NOT CHECKED which denotes that " Wells Fargo Dealer Services is informed and believes that you are also in default. '' In other words, the letter suggests future action, but is not checked for immediate action as of XXXX XXXX. On XXXX XXXX, Wells Fargo initiated the repossession of our vehicle despite this correspondence not having the check noted for possible repossession. So, the car, according Wells Fargo 's own paper work should not have been taken. XXXX XXXX XXXX charged XXXX for taking my car and this also cost me 1 day of work, approximately {$200.00}. ( XXXX XXXX XXXX XXXX XXXX. I also had to pay XXXX for a XXXX and the time and frustration of getting my car back etc. 
Wells Fargo claims that they called me, but I did n't talk to them directly and this written compliance form is not accurate based on the actions of Wells Fargo and XXXX XXXX. 
Further than all this, I wonder : is it reasonable to tow a car out of someone 's driveway about three weeks after an attempt to make a payment, which is off by XXXX dollars? And sending a document without setting expectations for repossession? And no record of talking to me in person? I think that Wells Fargo not only broke its contract but harassed me and caused me two days of grief, even shortly after we made an effort to pay them. We had no history of not paying regularly. We have a record of some grace period payments due to over business but not an inability to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filled out an application for a personal loan on One Main. 
5 days ago. 
During the application process they advertise that checking the offers will not affect your credit. It was supposed to be a soft enquiry. Within a few minutes of applying I received a message from XXXX that a hard enquiry had been filed. Since then I have been calling their offices daily, they promise me a call back to resolve the issue. every day it is the same thing they never call me back. the person I spoke with on Thursday said when you click on the check offer you agree to the inquiry! Obviously I did as long as it was a soft inquiry which would not affect by credit, not a hard inquiry. 
In the attached document you will see that at the bottom of the page it says " this will not affect your credit score ''
Product: Credit reporting

My daughter XXXX XXXX, that is with me in the mortgage, was trying to refinance her apartment and her bank denied saying she had a debt of {$7.00} XXXX in the mortgage of my house. I called XXXX XXXX XXXX Bank and they told me to call XXXX. XXXX told me, more than a month ago, they will check and fix the problem. My son in law sent to XXXX XXXX XXXX XXXX XXXX XXXX from the XXXX. of XXXX of XXXX the report of the investigation Equifax did. After that XXXX XXXX never answered my calls, in spite I have been calling her and leaving messages several times. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( XXXX XXXX XXXX XXXX, they do n't give me an answer either. Yesterday, XXXX told me to email him a copy of the report. I already sent that report for thee second time. 
I feel desperated. I am getting sick. I want an explanation. My mortgage is in Bankrupcy because my huseband filled for Bankrupcy, but he is not in the mortgage or in the title of the house. Because my mortgage is in bankrupcy I ca n't see my account in internet. I have to pay and nobody tell me what month I ' m paying o what is going on with my mortgage. XXXX NEVER sent me a letter letting me know about that debt that I DO NOT KNOW WHERE IT COMES FROM. They 're delaying the answer and this is afecting my credit and my daughter 's credit. 
I ask you to help me, please. I do not has a debt of that amount. Somebody needs to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding theXX/XX/XXXXaccount with Equifax, and received a report dated XX/XX/2020 alleging that the account had been verified. I settled the account with XXXX during XXXX and received a receipt from them on XX/XX/2020. This means that the account could not have been verified on XX/XX/XXXX or they would have known that the account had been settled.
Product: Debt collection

On XX/XX/2019 I checked my mail at XXXX XXXX XXXX, Unit XXXX in XXXX, NH. I opened a letter from Phillips & Cohen Associates, LTD. To my surprise the letter was addressed to the Estate of XXXX XXXX XXXX It read that this company recently learned that I was deceased and that it was trying to collect a debt from my estate. 

I am not deceased. I have never represented to ANYONE that I am deceased nor has anyone else represented that I am deceased. How XXXX XXXX XXXX XXXX got this bad information is something I would very much like to know. I would also like to know who they represent as they referenced that their client notified them I was deceased. 

I have no idea who their client is and there was no information in the letter to whom the debt was owed or the origination of the debt. There was also no information in the letter that I, or should I have been deceased, my estate had the right to dispute the debt. If I had been deceased my executor, who likely would have been close family member, would not have known that they had the right to dispute the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have been unable to open a bank account with restrictions or at all. After investigating this claim I have recieved my reports from Early Warning System and XXXX and have discovered several problems. Attached below are the documents outlining each issue that needs to be addressed, investigated and dismissed from my personal banking and credit profile.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to Equifax about my concerns about the following account which is XXXX  account ending in XXXX. Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 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. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Checking or savings account

I deposited on XX/XX/2023 at Wells Fargo ATM the amount of XXXX XXXX dollars. Wich did not appear on my banck account. I am waiting for XXXX  month ago the proof that the bank has. It is the only proof that I have too. They closed 2 times my case but never show me the video. I have ATM number, Location and time that I made my deposit. Please help me with this case. I think Is not necessary look for a Lawyer to resolve this. Thank you in advanced. Sorry for my XXXX. My first language is XXXX.
Product: Mortgage

Our story is incredibly too long and complicated to summarize in this short space. Please see attachments, most importantly Word document " CFPB Letter '' for full story and details. I met with our local JAG attorney at XXXX XXXX XXXX last week, XXXX XXXX, Field Representative for the Office of Servicemember Affairs branch of CFPB. He instructed me to file these documents with you in order to seek your immediate assistance. Thank you so much for your attention to our very URGENT case. 

On XXXX XXXX, 2016 we began the process with CitiMortgage for an assumption loan. After 3 weeks we finally received a XXXX page " Loan Application XXXX '' from Citi. They told us to complete only the highlighted portions, which did NOT include " Assets. '' Matter of fact " Assets '' was crossed out with a line by Citi employee. This is significant, as they used it as one of their reasons for denial! 

We completed the loan application and overnighted it on XXXX XXXX, 2016. On XXXX XXXX, 2016 ( after numerous unreturned phone calls for three days ) we and the holders of the assumption mortgage were both told that we had been sent a package with a list of documents for us to submit within XXXX days ( i.e. Proof of income, XXXX, any supporting documents to further explain line items on credit ). We never received that packet. After being misled by employees at Citi, we called their customer service and our situation was escalated to the Executive branch of customer service. 

On XXXX XXXX, 2016 we received a phone call and subsequent letter of decline stating 3 reasons for their denial : 1. Insufficient income for total obligations 2. Delinquent past or present credit obligations 3. Insufficient funds to close. It also stated our credit scores of XXXX and XXXX ( both above Citi 's minimum to qualify ). 

Based upon our understanding of banking practices and fair lending laws as explained to us by several attorneys now, including our local JAG office, we know we were denied the due process established by not only CitiMortgage, but also federal and state laws. Being military, we are an entire different class of applicants and have an entire different set of guidelines written by the Veterans Affairs ( VA ) that must be followed by servicers of VA loans. 

By not being given a level playing field, we wholeheartedly believe we were subjected to discriminatory lending practices because we are an XXXX XXXX military family.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX I signed a XXXX XXXX  ( XXXX ) with XXXXXXXX XXXX XXXX for {$3500.00} and XXXX opened a Credit Card on my behalf with XXXX Bank to make the payment. 
- I cancelled the contract on XX/XX/XXXX sending a mail to Account XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada, XXXX as indicated in the contract XXXX. XXXX was received. 
-On XX/XX/XXXX I got a letter in the mail from XXXX were I was informed they had completed my request to rescind the contract XXXX and that any payment was refunded in the same manner it was paid. 
XXXX contacted XXXX Bank XXXX inform about this but due to the time of the letter ( XX/XX/XXXX ) I still made the first payment on XX/XX/XXXX. 
-In XX/XX/XXXX they opened a claim and put a freeze on my account. 
XXXX XXXX I mailed to Comenity Capital Bank XXXX XXXX XXXX XXXX, XXXX XXXX OH, XXXX the letter I sent to rescind the contract, the letter I received from XXXX the rescind the contract and copy of the contract so they could check that everything was done within the time.

- I also messaged them through Message Center and uploaded all documents sent via mail. 
-Comenity still have the balance of {$3400.00} open on the account and has not provided any updates on the investigation. 
XXXX XXXX says I owe a money XXXX says has already refunded in XXXX and that I have provided proof of it. 
XXXX got a letter in the mail in XX/XX/XXXX stating that a credit was not applied to my account for a canceled order and that they were not able to verify that the cancellation was made. They are asking me to send the confirmation I received. I have provided all documents stated above ( the letter I sent to rescind the contract, the letter I received from XXXX the rescind the contract and copy of the contract so they could check that everything was done within the time ). 
-Comenity is now charging the monthly balance for a contract that was canceled and like the investigation didn't go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax on incorrect reporting with my credit report, as to my prevail I followed the steps and chains for having the hard inquiries on my credit report removed. I have only two that I ran my credit with. The  companies that had my permission to run my credit is XXXX XXXX and XXXX XXXX XXXX. I have reached out on numerous occasions and no help. This is hurting my credit bad and Equifax fails to properly investigate these matter.
Product: Debt collection

XXXX XXXX {$1700.00} 2014 I bought a Laptop and took it back within 2 days and the have a 14 day return policy I dont so instead of helping me they made it as as I repo the laptop and they want me to pay the whole {$1700.00} They wont help and I feel like its messed up and not right they threaten me that they hurt my credit and and try to sue me.,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX  XXXX on my credit report with Equifax on XX/XX/19. XXXX received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These names, addresses, and employment information : NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. EMPLOYMENT INFORMATION XXXX XXXX XXXX, XXXX XXXX XXXX. According to 15 USC 1681s-2, 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. Additionally, 12 CFR 1006.34 ( c ) ( 4 ) ( l ) have not been given the chance to dispute account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to all three credit bureaus requesting they delete this Closed account from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. It has been well over XXXX days and still no response at all. This violates the FCRA laws that state the credit bureaus have a responsibility to report accurate information within a timely manner. And this was not done. I have been denied credit and my credit score has decreased drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely from my Credit Report : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXT XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX. XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX  AUTO XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have accounts that are inaccurate on my consumer report that are to be deleted for violating the FCRA. THEY ALL HAVE DIFFERENT DATES OF LAST ACTIVITY/STAUTS DATES AND THE PAYMENT HISTORY IS DIFFERENT BETWEEN EQUIFAX, XXXX, XXXX. DELETE THESE ACCOUNTS IMMEDIATELY. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS I HAVE LISTED ARE REPORTING DIFFERENT DATES IN THE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES BETWEEN EQUIFAX, XXXX, AND XXXX. UPDATE THESE ACCOUNT IN THE PAYMENT HISTORY FOR EACH MONTH TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( AS A REMINDER, XXXX JUST GOT SUED FOR VIOLATING THE FCRA IN NOT HONORING WHAT PEOPLE HAVE REQUESTED IN THEIR DIPSUTES. THE CFPB STARTED A LAWSUIT ON XX/XX/year> AGAINST THIS COMPANY FOR XXXX  INVESTIGATIONS. )
Product: Credit reporting or other personal consumer reports

TRACKING # XXXX XXXX XXXX XXXX XXXX ATTN : EQUIFAX TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : XXXX DEPT OF ED ACCTS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX LATE PAYMENTS ACCTS : # XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTERANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX and XXXX 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 a account without my written instructions XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX