23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2018 I was looking to purchase a home, upon pulling my credit report, I noticed there were some odd things on my reports, so i order copies of my credit reports. I found out I was a victim of Identity theft. I notified all credit compines, and filed a police report, and a Identity theft report. I also notice that someone ordered cable services in my name, from the same cable company I go through now, an d have been for awhile now. XXXX XXXX. They ordered serivces at a address that I do not live at. Well what happened was I do not know, I am shocked. I called XXXX XXXX I am current on my bill I told them what was going on they had no clue. I reached out to the collection agency, XXXX XXXX XXXX account number # XXXX there address is XXXX XXXX XXXX XXXX XXXX WA XXXX TEL:XXXX  I was very upset she was rude I was upset, I told her what was happening she did not care just yelled at me and said I get it you are a victim of fraud, and told me they would send me some paperwork. I never heard anything back. This collection agency states I owe them XXXX no I do not. People should be more kind. You know it XXXX when someone stills you Identity and, this collection agency had no remores she just want all my information so they can call me 40 times a day like they have been but they will not give me there fax to send the police report a email or I still have not got the paperwork in the mail to send back my proof I been a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any XXXX  of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # 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: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXXXXXX
Product: Credit card or prepaid card

I applied for a Discover It credit card and it was initially declined, but after providing additional documents it was approved and a card was sent to me. After receiving it and trying to activate Discover stated I had to send them my tax returns before I can activate it. I refused to send them my tax returns since I already sent them enough information for a low end credit card. Even though I couldn't activate the card, they reported my account opened to the credit bureaus. If I wasn't qualified for the card they should have never approved me. 

Here are the dates : XX/XX/XXXX : Applied for card XXXX : Asked to upload bank statements, SSN Card, and confirm address, which I did and called in and they stated I was approved. 
XXXX : Started getting emails from XXXX to sign an IRS consent form 4506-T 9/9 : Received an email saying I was approved XX/XX/XXXX : Received the card and tried to activate it and was told I couldn't unless I provided my tax returns, Discover stated my account was opened and they will close it if I don't provided my tax returns. 
XX/XX/XXXX : I started getting notices from the credit bureaus that Discover opened the account. 
XX/XX/XXXX : Received an email from Discover saying my account was closed. 

If I didn't qualify for the account Discover should have never opened the account. It's horrible practice to open an account and even before I can activate it demand more information. This hurts my credit since it shows as a short term account. 

I would like Discover to activate the card or remove the account from the credit bureaus.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 XXXX XXXX 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 XXXX  never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

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 these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

The company and or companies associated with XXXX XXXX XXXX and/or Midland Credit Management Company are attempting to garnish my wages for a defaulted judgment in the amount of XXXX that I have never received notification of. The company states the debt is with XXXX however, I have never had an XXXX phone or account nor did I sign any type of agreement stating that I did in fact owe this or even claim it was mine to begin with. In addition, I have requested the company provide evidence that this belongs to me and they have failed to do so. My employer received a summons and we both ( Company Representative and Myself ) must appear in court at the address listed on the court documents attached. Additionally, the records indicate that my previous employer had been served with the Writ of Garnishment however, this was never brought to my attention by my employer, nor have they delivered any such documents to my home of residence. The address contained in the court documents is not associated with me. Finally, this suit is Time-Barred pursuant to US CODE : TITLE 15 Chapter 41 Subsection II.

Additionally, on XX/XX/XXXX subsequent to learning about this garnishment, I contacted the company to later find that their name was MCMC or Midland Credit Management Company and asked for evidence of this matter. The woman, XXXX XXXX. XXXX provided login information of my account number and the last 4 of my social. When trying to use this information, the website says it is incorrect ; that said, I contend that said evidence does not exist and demand proof thereof.
Product: Payday loan, title loan, personal loan, or advance loan

I took out what I was told was a loan. I was told the payments I make would go towards the loan. But thats not the case. My payments are {$130.00} every payday. Creditfresh is taking {$110.00} for a billing cycle I was not told about prior to accepting the loan. The remaining balance of {$19.00}. Thats going towards the outstanding balance of the loan. Very deceiving and I think a scam.
Product: Student loan

I am pro-active in trying to make my student loans ; however, when I contact them on Friday, XX/XX/2023, I was chatting with XXXX ; I was explaining that my yearly salary is XXXX and I am fully aware that I owe my student loans ; but I am unable to afford {$1500.00} a month which will commence in XXXX, 2023. I have monthly living expenses such as rent XXXX, car insurance/car payment XXXX, utilized XXXX, food XXXX. I will not be able to afford this amount at this time. I have attached the dialogue between XXXX and I. She suggest I send what I can and I will be sent to collection which they will report it negative in my credit report which I am trying very hard to fulfill my financial obligation. I have only employed for 3 months and still under probation at my employer 's company.
Product: Mortgage

I was sent an offer to start a trial period payment for my home equity line of credit from bank of America on XX/XX/2016. But Bank of America never mailed me the terms of the modification agreement. 
XXXX is my only language. 
I have been making my payments, but
Product: Money transfer, virtual currency, or money service

Visit in person the JP Chase local branch at XXXX XXXX XXXX, XXXX, VA XXXX. Spend 2 hours in the branch, and had to return three times to get the bank to endorse the insurance claim check the was made out to myself and JP Chase. I was repeatedly told they could not help and I had to mail in it because their computer told them to tell me they couldnt help. I worked with cashier, associate, and manager. Even after they handed me a stack of paperwork with confusion, instructions it would have taken weeks to have the check endorsement. Even the documents stated I could bring it into a local bank which I show them and they said they couldnt help. I had to call the corporate office to call the local branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I was a victim of ID theft back in XX/XX/2019 XXXX see attached Police report and credit alerts ). I went through great lengths to have remove multiple fraudulent hard credit inquires removed from my credit report. My line of work requires accurate credit report and I deeply value it to be accurate. 

Attached is my call log, letter to creditor, and documentation from XXXX on the number of calls I made. A consumer should never have to go through great lengths to get a fraudulent activity removed from their credit report.
Product: Bank account or service

I used Paypal Inc. to pay a mover who helped me with a heavy couch a month ago. Unfortunately, the mover damaged the couch and we agreed that he would pay me {$300.00} in damages. I, by accident, sent him {$300.00} instead of requesting it on Paypal. I called Paypal and asked them to stop the payment, and they said I could do so by stopping it with my bank. I called my bank and put a stop order which worked. Then 2 weeks later, I received a payment from XXXX from tickets I sold in the amount of {$470.00}. I saw that only XXXX was deposited into my paypal account. Paypal stole {$300.00} from this unrelated transaction to send to this mover, after they told me that it would not go thru as long as I put a hold on my bank account. This mover, I have spoken with him, and he has XXXX dollars held by paypal currently and therefore is in no financial position to pay me back. I also do n't know him and would n't trust that he would pay me back. Please help me resolve this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to inaccurate items on my credit report. It's been well over 30 days and I haven't received any investigation results.
Product: Debt collection

Experian continues to post fraudulent inaccurate information reported by XXXX on my credit file, they also continue to send bizarre emails. One states to send in the documents required for them to remove false info from my credit file, while the other states I did not send my identification ..I sent all info multiple times, as I am doing now with this complaint.. At this point what Experian is engaged in appears to be libel and defamation of character., Experian has been made aware multiple times that the information is not accurate XXXX XXXX  is under investigation for defrauding its customers, .Why Experian continues to uphold false claims made by a bank that is obviously having internal issues preventing them from operating honestly makes it appear that Experian is partnered with XXXX and engaging in fraud. 


XXXX CEO 's sudden exit follows a wave of compliance issues XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good afternoon again I am writing an concerns to my identity. I have contacted the company three times I did not make the inquiries that are on my credit report. The company Ive called them Ive given my information, and they even stated that whoever was using my identity was using my maiden last name, I have been married for over XXXX years now. The inquiries were made in XXXX and XXXX. Please have these inquiries removed off my credit report immediately. 

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/XXXX They are showing on all three credit bureaus again I have contacted each of these companies and each have said that they would remove them. As I said today, they are still showing up as inquiries. I also had a security freeze put on my account so I dont even know how these were able to even get through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card is reporting two accounts in my credit profile under authorized user. Let me be clear I have never held a Discover card much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX XXXX however, I have confirmed the existence of these accounts with XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX  year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please REMOVE these items as soon as possible. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate correction of inaccurately reported late-open accounts on my credit file maintained by Credit Bureaus XXXX Upon reviewing my credit report, I discovered multiple instances of late-open accounts, which inaccurately portray my credit history and negatively impact my financial standing. 

Specifically, the accounts listed below indicate open dates that are not consistent with the actual terms of my agreements with the respective creditors : These inaccuracies are concerning as they misrepresent my creditworthiness and could have adverse effects on my ability to obtain credit or favorable terms in the future. I request that you promptly investigate these discrepancies and take the necessary steps to correct the information on my credit report. 

Please ensure that the correct open dates are accurately reflected for each of the accounts listed above to provide an accurate portrayal of my credit history. 

Furthermore, I urge you to review your procedures to prevent such errors from occurring in the future and to provide me with written confirmation once the corrections have been made to my credit file. 

I request acknowledgement of receipt of this dispute letter within the exact timeframe and periodic updates on the progress of your investigation. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.
Product: Credit card or prepaid card

I was consistently told the wrong billing amounts, interest rates, billing dates which is against the Fair Billing Act. Reps from Capital One rejected me of the proper documentation to explain the late fees and the correct billing activity.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$48.00} minimum payment, on XX/XX/XXXX I made a {$410.00} payment because I wanted to get my utilization down to help my credit score increase some. Logged into my online account for XXXX XXXX credit and saw that they dropped my {$1500.00} limit to {$1000.00} without a warning or explanation. Now it shows my balance as XXXX with a {$30.00} credit, I have never had a negative remark or late pay on my credit report for this company so I dont understand why they would do this without notice to affect my credit. I feel like they only did that because I made a large payment. Is this company able to do that without notice? Now my credit is worst off. I contacted this company and they couldnt give me an explanation. I did research and see that they have been doing this to other customers as well.
Product: Payday loan, title loan, personal loan, or advance loan

A complaint was filed against this company years and years ( .... and years ) ago. If not with the CFPB directly, with my state 's Attorney General 's Office. ** AND I have written to you indirectly in regards to this company. The company does business under the name Check Into Cash, and the corporate office is Community Choice Financial out of XXXX, OH. I conducted business with this company once, I didn't care for its policies and business practices and they have been using my bank information to process " repayments '' ever since. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a fraud alert from the company that monitors my credit about an inquiry from XXXX Bank. I called XXXXXXXX XXXX and learned that someone using an address in XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) had tried to open a credit card in my name and social security number. I advised them that the application was fraudulent and they closed it. I have had accounts with XXXXXXXX XXXX in the past, but none for many years. 

Also on XX/XX/2022 I received an email and letter from XXXXXXXX XXXX saying that my application for a credit card had been declined. I called and told XXXXXXXX XXXX that the application was fraudulent and they closed it. I have other open accounts with XXXXXXXX XXXX. 

I contacted XXXX, XXXX, and TransUnion on XX/XX/2022 and had a credit freeze placed on all three credit bureaus. 

I filed a police report. XXXX and XXXX have removed the hard inquiry from XXXXXXXX XXXX. TransUnion has refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the remarks that is invalid. I would like this to be deleted. 

XXXX OK OK OK OK OK OK OK OK 30 OK OK 120 90 60 30 OK OK OK OK OK OK OK OK XXXX  OK OK OK OK OK OK OK OK OK 30 OK OK 120 90 60 30 OK OK OK OK OK OK OK OK XXXX  OK OK OK OK OK OK OK OK 30 OK 120 90 60 30 OK OK OK OK OK OK OK
Product: Credit card

XX/XX/year> Re : Credit Card Fraud Report - Unauthorized Airport Transaction Dear Sir/Madam, I am writing to report fraudulent activity on my Capital One credit card. I have identified an unauthorized transaction that requires investigation : Transaction Details : Merchant : XXXX  Amount : {$1300.00} USD Date : XX/XX/year> I have substantial evidence suggesting my credit card information was compromised during a dining experience at XXXX XXXX XXXX where my card was taken to a back office due to an allegedly malfunctioning card reader. This was the only instance where my card left my possession. Despite having notifications enabled for all transactions, I did not receive any alert for this unauthorized charge. 

The transaction is labeled as lodging ; however, I can definitively prove that my legitimate lodging was at the XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/year>. Capital One has not provided the merchants contact information or account details where the funds were transferred. 

To support my case, I am providing the following documentation that establishes my legitimate transactions and whereabouts during this period : Car rental receipt XXXX XXXXXXXX baggage fee receipt XXXX XXXX lunch receipt ( where the card was taken to the back office ) XXXXXXXX XXXX XXXX receipt and credit card statement Despite providing this documentation to Capital One, my dispute has been denied. I am requesting a formal police investigation into this matter, as I believe this may be part of a credit card skimming operation. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency ( OCC ). 
Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Please advise on any additional information or documentation required to proceed with this investigation. 
Sincerely,