23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Every time I try to contact or talk with someone I get harassed by a answer machine when I was use to talking to the company XXXX XXXXXXXX  company that had a office where I can set up payment arrangements because of my bank situation with XXXX XXXXXXXX XXXX closing my checking account I was not able to give the company my checking information to make payment arrangements putting me behind threat me with the sheriff with legal letters that I dont even know of I feel they are harassing me knowing I had a motorcycle accident and my diagnosis is a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX this is all happening I been racially profiled by the sheriff the courts all my life Ive been beat up in this condition the police has been suspended for this accusation and Im not getting the assistance that as a law a Biden citizen should I work as a trademarks man my local number is XXXX local XXXX they have lowered my classification as from a XXXX  to a XXXX all over again while going threw everything that Im still going threw please help me and my family of 7 we dont ask for much and when I was able bodied I was never behind my credit score had reached a XXXX and as low as I dont no what at the moment this is all happening right now as I speak if you could please just tell the group of people to please leave me and my family at peace and let us sue them for emotional distress pain and suffering debt free so we can start a new life where were not treated like slaves runaways this is gods favor they are gone made they are a corrupt system to be mistreated a person that helps with containers fluff wood pulp aluminum steal pipes wood cruise terminal rail cars anything dealing with the trade you name it I was there I even road a bike from XXXXXXXX XXXX  to the state docks one pedal also a skipping chain I was determined in this is all I get in return is so unfair please do something
Product: Debt collection

I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Product: Bank account or service

On XXXX XXXX 2016 I mailed a deposit to Captial One Bank in their postage paid envelope, with my deposit slip, and a check for XXXX made payable to me. On XXXX XXXX 2016 I received my XXXX statement and the deposit was not on the statement. Today is XXXX XXXX and I have called them numerous times over the past four weeks, sent faxes, and still nothing has been resolved. My last conversation, today was they want me to resend the fax. It was lost due to the flooding in XXXX. They will not accept an emailed document. I am turning this over to the CFPB as I am getting nowhere fast trying to resolve this on my own. I need help getting my money back. They cant seem to tell me where my money went or how they plan to correct it. All they can do so far is give me a huge run a round and it 's been almost 30 days since I notifed them of their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been paid. Still showing with a balance.
Product: Money transfer, virtual currency, or money service

I responded to an ad on XXXX for a metal detector. I was sent pictures and a serial number to verify and sent partial payment on XXXX of {$100.00} through XXXX  from my chase checking account. The seller said the shipping fees were more than expected and that they did not have the funds to cover it so I sent another {$75.00} the same way on XXXX. All these payments were sent to XXXX through XXXX. I have emailed this address and gotten a reply with a picture of an ID etc saying they were victims of the scam too. I spoke with chase and they said they could not refund me the money since I initiated the transfer even though it was under false pretenses.
Product: Credit reporting or other personal consumer reports

Car was repossessed w/o any missed payments. 
Requested debt validation letter and havent received in over XX/XX/XXXXyears.
Product: Credit reporting or other personal consumer reports

I check my credit report and saw inquiries I did not Recognize
Product: Payday loan, title loan, or personal loan

It 's on my credit twice and it showed it was transferred/sold to another company caller Mariner fiance. Monthly payment are XXXX dollars a month. I should n't have 3 on my credit and would like them to be removed as iam not working. And I believe it 's to old to still be on my credit!
Product: Credit card

I received a cryptic email XX/XX/year> from Capital One ( XXXX ) stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX had to close your Capital One Credit Card account account ending in XXXX for the following reason based on Capital Ones account opening and ongoing due diligence : Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital Ones account opening and ongoing due diligence Please note that all future charges will be declined so you should stop using this card immediately. You should also stop any monthly automatic payments you may have set up on this account.

Please note that although this account is now closed, you are still responsible for any outstanding balance on it and should continue making payments until the balance is paid off. 'XXXX XXXX XXXX XXXX XXXX  I have always made current payments on the card and have never engaged in any untoward activity. The card did not even carry a balance. There are a limited number of credit card providers in the United States and I am now being cut off from the financial system for no reason. 

I need the card reinstated so that I can make normal, everyday purchases again.
Product: Checking or savings account

My account has been closed since early XXXX. I was first told they would release my money to my external XXXX Account however they then said there was a last transaction dispute. The transaction dispute has since been resolved and it was in my favor however this company has still not released my money. They have been holding my money for over 2 months with constant promises to return. When I called today they keep sending me to a voicemail and refuse to discuss the issue. On Wednesday XX/XX/XXXX, the transaction that they said was keeping them from releasing my money was settled and said all temporary credits are mine to keep. The claim number is XXXX. I WOULD LIKE MY MONEY TO BE DISPERSED INTO MY EXTERNAL ACCOUNT AS PROMISED. CAPITAL ONE 360 IS THE WORST AND IS KEEPING ME FROM PAYING MY BILLS BECAUSE THEY ARE UNLAWFULLY HOLDING MY MONEY WITH CONSTANT CHANGING STORIES ON WHY IT CAN NOT BE SENT TO MY EXTERNAL ACCOUNT BUT NOW THE LAST CLAIM HAS BEEN SETTLED AND THEY HAVE NO REASON TO KEEP MY MONEY ANY LONGER!!!!!! I WANT MY MONEY BACK. THIS IS NOT RIGHT TO DO TO A CUSTOMER IN THE MIDDLE OF A PANDEMIC!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! Equifax scandal!
Close the company DOWN!
Request SEC investigation of their executives.
Shut down ALL credit reporting scandals!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

A caller claiming to be Comenity bank has called me twice in a week to collect an old written - off debt ( approx 20 years old ). Threatening that i better have a lawyer, etc. I called the real Comenity bank myself, and they said I do not have an open account in collections or otherwise with them. They also confirmed that they do not have a phone number XXXX in their organization. the caller 's name is " XXXX '', and she states I " better call today '' with my lawyer. Obvious scam
Product: Credit card or prepaid card

I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my Spark Capital One credit card account. I have encountered an unfortunate situation that has resulted in late payments being reported on my credit history, and I kindly request your assistance in resolving this issue in good faith. 

On [ date ], I received notification that my Spark Capital One credit card account was closed unexpectedly. This closure took me by surprise, as I have been a loyal customer in good standing for many years, consistently making on-time payments and maintaining a responsible financial history. 

Prior to the account closure, I had set up an auto-pay feature for my Spark Capital One account. This auto-pay feature reliably deducted the previous minimum payment amount from my bank account each month, ensuring timely payment of my credit card bill. However, after the account closure, I noticed that the minimum payment amount was not updated, and the auto-pay system continued to attempt to deduct the previous minimum payment. 

As a result, my payments were not covering the newly adjusted minimum amount, leading to late payments being recorded on my credit report. This situation has caused considerable distress, as my creditworthiness has been adversely affected due to an oversight beyond my control. 

I understand that the responsibility for updating the auto-pay feature after the account closure lies with the financial institution, but it has unfortunately resulted in negative consequences for me. Therefore, I am requesting your assistance in rectifying this matter and removing the late payments from my credit report in good faith. 

I have attached relevant documentation to demonstrate that my balance with Spark Capital One is up to date, and I have diligently fulfilled my payment obligations before the account closure. Additionally, I have initiated the necessary steps to rectify the auto-pay issue and prevent any further negative impacts on my credit history. 

I kindly ask that you investigate this matter thoroughly and work with Spark Capital One to ensure the prompt removal of the late payment remarks from my credit report. Your intervention will be greatly appreciated, as it will significantly impact my financial standing and overall creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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: Money transfer, virtual currency, or money service

I logged on to my bank account at XXXX XXXX XXXX XXXX XXXXXXXX and selected transfer and selected the Zelle to transfer money from my account personal checking at XXXX to my personal checking account at XXXX XXXX XXXX XXXX. I then added myself as a contact to complete the transfer along with my XXXX XXXX XXXX  account number and routing number. The Zelle program showed my bank account as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX listed as the bank - appearing correct. It accepted my bank account and routing number allowing me to make the transfer. I never received the money after the {$150.00} transfer cleared on XX/XX/year>. I made multiple phone calls to XXXX, Zelle and XXXX with no resolve. I filed a dispute with XXXX and it was denied - they said I entered the account number therefore I authorized the transfer. However I was arguing I didnt receive the money. I was told that the first 4 digits of the account number didnt match my XXXX account number. I still to this day can not see the full account number I entered on the Zelle application provided through XXXX and should not be penalized for this. I asked Zelle to return my money due to this set back with their application and still havent received the money or a return call from bot Zelle and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite the written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$4100.00}
Product: Credit reporting or other personal consumer reports

All my information was exposed in a data breach recently in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$670.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I clicked on a link on the XXXX website to apply for a XXXX XXXX store card. The page that opened said that I could click on a button to see if I qualify for pre-approval for the card, and it will not impact my credit score. I clicked on the button and entered the information requested. Then I got a message that I was not pre-approved, and it again said that it would not impact my credit score. 

On XX/XX/XXXX, I received an email from XXXX XXXX that included a letter. The letter was a full credit review that denied my application for the card, and listed my credit score as XXXX. That is significantly lower than the credit score that I received when I applied for a credit card with XXXX XXXX XXXX XXXX only a month earlier. XXXX denied my credit card application, in a letter dated XX/XX/XXXX, but listed my credit score as XXXX. They used XXXX in their evaluation. 

I did not apply for a card with XXXX, only clicked on a button for pre-approval, and I was assured, both before and after clicking on the button, that it would not impact my credit score at all. That was dishonest. XXXX XXXX  used a credit company called XXXX XXXX XXXX. 

I called XXXX XXXX on XX/XX/XXXX, the same day that I received the emailed letter from them. I said that the process was unacceptable, and I had not agreed to a full credit review and they had lowered my score unreasonably. The staff person was totally unhelpful, saying that I had agreed to it while at the same time agreeing with me that I had not. Then I said that I wanted the decision reversed, and I got a different response from her. She checked with someone and said that they would do an investigation and look at the website. If my concern is valid, they will remove the credit score and reverse the decision. She said they would send me a letter within 30 days. 

I have not received a letter from them yet. It has not yet been 30 days, but I want to alert CFPB and consumers because this process is a sham and should be stopped. It is stressful and unpleasant, and other people should not have to go through it. CFPB should stop XXXX XXXX  and XXXX from false and misleading advertising and doing full credit reviews, what they call a " hard inquiry '' without peoples ' permission.
Product: Credit reporting or other personal consumer reports

I requested validation of debt from the original company. I never received a response of the information requested. The information on my credit report is reporting inaccurate.
Product: Credit reporting or other personal consumer reports

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

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


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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


Delete the late payments from my consumer reports
Product: Debt collection

Respected CFPB Team, I received a mail in mail box for debt collection from Benuck & Rainey Inc. 
I do not remember any debt I owe to above organization. 
Amount is {$150.00} along with Account/Reciept number : XXXX I believe it is false and I am not liable for it. 

Deadline date is XX/XX/2023 to inform. 

Please help me to settle this dispute. 

Regards, XXXX.
Product: Debt collection

I joined XXXX XXXX XXXX back in XX/XX/XXXX. I settled an account through XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX, that has been paid off in full. XXXX XXXX XXXX decided to send my account to yet another collection agency : Midland Credit Management. I submitted a letter to XXXX, to Midland Credit Management, and to my TX Attorney general 's office showing proof that this was paid off, but it somehow comes back as verified. This is NOT True! Please help assist in getting this account removed from all of my 3 bureaus. No has been able to help me. I sent a certified receipt return letter to Midland Credit Management at their address and they DID NOT respond to my request. I have been battling this issue since XX/XX/XXXX. Midland Credit Management says that it was opened last year XX/XX/XXXX. But I paid it off through the XXXX XXXX XXXX program in XXXX of XXXX. I get the run-around. I just need this removed. I have a handful of accounts with the XXXX XXXX XXXX folks and they are not really helping me either. If this one does NOT get resolved then I may not continue with XXXX XXXX XXXX! ) They say that they are going to look into it and then never do! I am at a loss on what other steps that I need to take to get some answers and get Midland Credit Management to comply!
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the prior investigation from XXXX XXXX. Im asking that you send your method of investigation along with all the records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late. If you can not provide me with this information within 15 days, update my account to PAId/NEVER LATE and send me a copy of my updated credit report. 

The late reporting occurred XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXX  - XXXX XXXX XXXX  XXXX  - XXXX XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX  - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud