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

I received a credit card bill from XXXX XXXX. I have never used XXXX XXXX and never had a charge account with them and do not have a card in my possession from them. I called to dispute the charges and the customer service representative stated that the purchase was mailed and sent to somewhere in Alabama for perfume. I explained I don't have a card, have never shopped with them, never authorized credit for them and have never signed anything for them. They want my signature to dispute the charge instead of taking the information. My thoughts is that then they will have a signature to use along with the other information they apparently have on me. This is a common scam reported all over the internet but I do not want a {$90.00} charge to affect my credit score ( which sits around 840 right now ). This is fraud, it is a fraudulent charge and I have no idea what my recourse is to get this removed. I requested that they flag and close the account since it wasn't requested by me nor do I know anything about it and they refused. Please help.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have some Fruad accounts appearing on my experian credit report.
Product: Mortgage

Good evening, My wife and I were on a forbearance program when PHH Mortgage services bought our loan. The information was not transferred correctly so they came after us. After they found out everything was already in the process, they placed us on their forbearance plan. When it was time to pay the mortgage again. They wouldn't allow us to do so unless we mailed in a cashier 's check. We have no way of monitoring our payments. I have been on the phone with them and have had to start recording our conversations because they are telling me that there is a lien on the property but there's not. I have the paperwork to prove it but they won't take it and they don't care. They refused to listen to what my wife and I had to say. They keep telling me that their system will not allow me to make a payment online or with a debit card. They have been sending me letters in the mail about being behind and in default and each time I call they just tell me that it's an automated system and that my account is in good standing. This doesn't make sense to me and I'm worried that they're taking my money and then going to take my house. I have saved the receipts from when I have sent them money but when I called the rep told me that I was 10 payments behind, their paperwork says the same thing. Were not though. I've heard nothing good about PHH and I'm starting to see why. They say someone is going to call and help me but nobody ever does. Lob story short, they're saying my house doesn't have a clean title. THats what title insurance is for so if there was an issue, I am protected and they should allow me to operate in a normal manner. Not to mention, this is the second company to own my mortgage and we had zero issues with the first company.
Product: Credit card or prepaid card

In short, Capitol One uses individual SSN to link to cards. This has led to issues because I have a XXXX small business XXXX credit card with them as well as a personal XXXX branded XXXX. I had a conversation back in XXXX and XXXX employees agreed it was a problem. They filed complaints with them for me. There was no response to take action to remedy this issue. How is this not impacting other business owners or are they just not taking the time to deal with it? 

Since XXXX, I sent various emails that then I was told they didnt get to the right person or needed to go elsewhere even those thats the email address that was given to me to be in touch with the month before if I did not hear back. I have E-copies of this correspondence. 
Today, I got a notice that my auto-pay was dysfunctional and so theres now a late fee on my personal card. I have never ever had this happen and its all a mess due to this problem with SSNs linking accounts that shouldnt be linked. 

Here is a copy of my email in XXXX after the phone call that I understood the issues in XXXX. Please have someone fix this or at least sort out their issues! 


Hello, I am writing to follow up on what I find to be a ridiculous issue that shouldnt exist at this level of online banking. 

I have a personal XXXX  credit card with Capitol One, as well as a XXXX XXXX business credit card. I would prefer to eventually move my business checking to Capitol One as well, but at the moment I am hesitant to do that because of the issue linking SSN to all accounts. 

I have reference # XXXX with employee ID XXXX during a call where I pointed this issue out back in XX/XX/2022. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There is too much risk that someone will mix things up in trying to login or when trying to sort through things in the accounts if the primary link is the SSN attached to the account. 

I am not clear why for a business account, the primary identifying number on the account is not the XXXX for the company? It makes sense to have the XXXX as the identifying # on the personal account. Please see the phone call records and that reference number for a few known ways that this impacts the user. I know I am not the only one that has pointed this out as both people on the phone agreed it does not seem right and they have had this issue come up before. 

Anyone want to do something about it? Has there been any action on that reference # to bring it up to tech to make some changes going forward?
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached Debt Delete letter from the company and remove the XXXX XXXX XXXX account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE SYSTEM IS BROKEN,,, HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY SOMETHING DIFFERENT. IT'S A VIOLATION TO DO THAT! THESE COLLECTION/CHARGE-OFFS ARE REPORTING INACCURATELY AND NEED TO BE REMOVE IMMEDIATELY. LATE PAYMENTS REPORTING AFTER ACCOUNTS BEING CLOSED. CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THIS ACCOUNT IS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. REMOVE IMMEDIATELY. 
DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED.INACCURATE ... ... ... VIOLATIONS!!!! INQUIRIES NEED REMOVING AS WELL. 
1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my credit report were not authorize and I do not have accounts with any of those companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being billed for an experian account and I do not have one. You are charging my account {$24.00} each month and last month I canceled but I am still being billed. I tried the free service and canceled it the same day. I can no longer get through and trying to re-cancel I can not get through.
Product: Credit reporting or other personal consumer reports

I was terminated from my work. Does not meet company standards. Pending potential conflict. Nevada highway patrol non fingerprint search. I went to the XXXXPD to see what was on my report they said they couldn't find anything and gave me a card with the XXXXPD to call. I've called and left messages no return. my background report was completed on XX/XX/year>. I was terminated on XX/XX/year> I think.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am very stressed out because I found items that are not mine. I do not recognize them and for sure they are not mine. I feel like I am victim of identity theft because suddenly appeared fake items. These fake items killing my report and I feel very bad about this. Pease investigate their origins and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called my realtor to apply for a new place to live. When they ran my credit, I was told that there were several Items that would prevent me from being able to be approved. When I saw what was on my report I was very shocked and upset. There are several things on my report that don't belong to me. As a result, I contacted the local police and FTC. XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below las violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # Ending in XXXX, XXXX XXXX Account # XXXX, XXXX, Account # Ending in XXXX, has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 rep agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency mu make any consumer report containing any of the following items of information Any other adverse item of information, other than records 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: Credit reporting, credit repair services, or other personal consumer reports

I am moving to a condo complex in XXXX that uses XXXX for all of their condos. Getting XXXX basic cable and internet is required per our lease. I contacted XXXX to receive the equipment needed and was told to provide my social security number. I declined and was told they need it for credit check or that I would need to pay {$100.00} deposit for the equipment I would receive. I said I would prefer the {$100.00} deposit and did not want them to run a credit check, therefore declined to provide my social security number and date of birth. 

I received noticed that a new inquiry had been opened through Equifax through XXXX XXXX on XX/XX/XXXX according to XXXX XXXX and on XX/XX/XXXX through XXXX. I did not authorize them to do this. Looking on XXXX XXXX it has been listed as a Hard Inquiry and has decreased my credit score. The address the inquiry request originated from is : XXXX-XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE I called the company on XX/XX/XXXX and was not given a response and was told they have never heard of this before. Through some basic XXXX search, found this has happened a number of times to others where XXXX ran hard inquiries without authorization from the customer. I have not been contacted back from XXXX as they said they would
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied my rights under SCRA by XXXX of XXXX, KY. In addition to MULTIPLE violations which I called their attention to in XXXX and XXXX, the most recent one has been their inaccurate reporting to credit agencies and not informing me of any amount they believed I owed. I am a XXXX XXXX serving XXXX  for XXXX  months. I paid {$500.00} to have the auto returned to the company after getting stationed here due to the car not being able to pass inspection for XXXX driving. They never attempted to contact me or let me know any status or anything after they received the car. When I went to apply for an auto loan here on base in XXXX in XX/XX/XXXX, I discovered they had put a " Repossession Balance due '' on my Experian Credit Report for over {$6000.00}. This is entirely erroneous. I called them multiple times in order to at least start a payment for this erroneous balance due and they have never contacted me or returned my call. On other calls, they have put me on hold multiple times and then give a recording saying they are closed.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Mortgage

I made a lump-sum payment to Ditech ( XXXX XXXX, SD ) at the end of XXXX to bring my mortgage current through XXXX XXXX, 2016. Since that date, I have received several collection notices. After numerous telephone calls to the customer service department, my mortgage is still reflecting a late payment. The funds are in a 'suspense balance. ' Today, at XXXX, I called again. The rep does not know what the problem is and neither do I. Perhaps your investigation will provide the answers I seek.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX  - account number : XXXX Account name : XXXX XXXX XXXX  - account number : XXXX Account name : XXXX. XXXX  XXXX - account number : XXXX Account name : XXXX XXXX XXXX account number : XXXX Account name : XXXX XXXX XXXX XXXX account number : XXXX Account name : XXXX XXXX XXXX  - account number : XXXX Account name XXXX XXXX  - account number : XXXX XXXX accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item for 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: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Please rectify this matter IMMEDIATELY!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXXXXXX Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXXXXXX  Account NumberXXXX Account Name : XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report 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: Credit reporting or other personal consumer reports

I have some authorized inquiries appearing on my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX XX/XX/2019 {$1000.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$1800.00} THESE ACCOUNTS ARE REPORTING INCORRECT
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account 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 XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, d/b/a XXXX XXXX has negatively impacted my personal finances in addition to negatively impacting my credit scores without justification. This has caused substantial harm over the past decade and also negatively affected XXXX XXXX and XXXX XXXX as a result of their gross mishandling of my account with them or even negligent attention to correct misapplied payments and at time charging double while carrying over late fees over multiple years without applying payments to the principal. To this day the continue to miss report on my personal credit report a derogatory statement of late payments even though they have accepted payment in full, this comes after having successfully complete XXXX XXXX Bankruptcy and the firm during that time having employees incessantly calling me for monthly payments after the program was completed.