23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 card

CAPITAL ONE BANK, Its DENING TO DELETE MY PRIVATE INFORMATION, I called them several times over the past 5 months I send them letters of documents requested by them to identify my identity I was also requested to visit a branch in person and they are NOT DELETING MY PRIVATE INFORMATION., the fact that they have that info in file is ILEGAL I did NOT consent or agree to that term and they falsely have been telling me to do as they say in order for them to delete the info but they don't do it., as today I was on the phone over and hour and half I state to them that I will press legal charges in court if they don't delete my info.
Product: Debt collection

My name is XXXX. My original creditor was XXXX XXXX XXXX. A third party collection agency LVNV funding LLC purchased old Inaccurate fraudulent debt from XXXX XXXX XXXX which is illegal to do. I knew nothing of LVNV funding. They never reached out to me prior to this. And to make matters worse they have now threatened and sued me for Debt that is inaccurate. I tried to contact there office and no one has gotten back to me to look into this matter. Im very upset about this because no one should have to pay a debt that is inaccurate. I do not consent to paying a third party collection agency that has inaccurate data on my old past debt. I also do not appreciate LVNV Funding LLC threats of suing me. I have never been sued a day in my life and I try to live my life in a very respectful / honest way. LVNV LLC does not operate in a honest way. They are money hungry -third party collection agencies trying to make a quick dollar by suing innocent people. LVNV does not deserve to be operating as a third party collection agency. 

They need to stop harassing innocent American people. Enough is enough! 

LVNV funding LLC license number is XXXX They are Suing me in the amount of {$1900.00}
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX XXXXnd 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.

TRANSUNION 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

One of Bridge Lending Solutions ' representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XXXX XXXX, 2022 at approximately XXXX XXXX  PST, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX. 

Furthermore, the telephone that Bridge Lending Solutions called was located at the receptionist 's desk. XXXX ( no last name provided ) left a message with the receptionist for me to call them back and disclosed that it was in relation to a debt. 

I know my rights and I know that publicizing a debt by contacting a borrowers employer is considered a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692 et seq. If this happens again, I will be forced to contact the police.
Product: Credit card or prepaid card

On XX/XX/XXXX an unauthorized charge for XXXX showed up on my credit card. I noticed the charge XX/XX/XXXX and contacted XXXX. I told them this was not my order, I did not place this order, and I advised that the address was incorrect to prove it. It was a completely different state it was shipping to. XXXX advised they would contact the carrier to have the package returned. I kept checking with XXXX and they did nothing in the end and the package was delivered to someone else 's address. 

My next move was to contact Chase and dispute the charge once I saw the package was delivered and not returned to XXXX. I disputed the amount and I received a new Credit card in the mail. Several weeks later I receive a letter in the mail stating the disputed amount was going to be applied back to my account and who I needed to contact. I contacted the agent SEVERAL times  throughout two weeks, Between XX/XX/XXXX through XX/XX/XXXX. I was on vacation for the two weeks after that. Not once did XXXX, with Chase, contact me back or leave any messages for me to contact her. 

I contacted the XXXX  to try and get this resolved since no one was calling me to talk about the charge. That, of course, got me nowhere as well. He said he would look into the issue and get back with me. I did not hear from him either and when I called him back he sent me to the dispute center. 

I called again today XX/XX/XXXX, to speak with the dispute department. She called over to the fraud department and came back to me and said they will not take my call and they will call me back. Again, refusing to take my call about this unauthorized charge. Their calls are recorded so the call can be confirmed that they are refusing my call.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees assessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delay of posting of charges and credits. I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe theses practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I see a few accounts and inquiries on my credit report I didnt open.
Product: Credit reporting or other personal consumer reports

n 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. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And 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 according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Mortgage

I sent paycheck stubs to Wells Fargo indicating that I make {$4600.00} and they said that I don't have enough to cover the payment and the arrears amount.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account Number:XXXX My parent has the same name as me. 
XXXX XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX  XXXX - Account Number:XXXX
Product: Mortgage

My home is financed under freedom mortgage loan number XXXX and it is a VA loan. 

I made a deal and contracted to have my loan assumed by another veteran. Freedom mortgage has consistently told me misleading information about the process, only handles processes via mail and delays the process and gives non-specific answers. They have also failed to contact me as required/promised on XXXX separate occasions, and I am now at risk of losing the home I am moving to and over {$2000.00}. Here is a breakdown of the activity : Called XXXX, XXXX, XXXX, and XXXX each time requested to begin assumption process, each time told to expect a call within a day or XXXX. No calls. I was advised on XXXX calls it takes a total of XXXX days to close and on XXXX call it takes XXXX days to close. To be safe I set a 60 day close date Each call I requested a number to discuss the packet and process with the assumptions department and was told they do not have a direct contact number or that they refuse to provide me a contact number or email address. I requested to speak to a supervisor on multiple calls and each time this was denied. I requested to speak to the mortgage assumption department and each time that was denied. 

Second call on the XXXX and I was told the request was expedited and to call back on the XXXX if I havent heard anything Called on the XXXX, and was told by a representative I would need to start the entire process over. 

Called again to request to speak to a supervisor on the XXXX, request wasnt processed and was told to continue waiting. 

Advised the bank that this is now going to cost me {$2000.00} in potential closing costs and I will be filing a complaint. An entirely new and different process was explained. 

I have made multiple attempts to discover what the process for my entitlement to an assumption is, and a point of contact, and all of them have been vague answers about processes, denial of points of contact, denials for transfers to supervisors or specific agents, and have been overall unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 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 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent XXXX data breach and XXXX have gotten compromised by the breach.
Product: Credit reporting

I have provided the attached documentation of identity theft to all XXXX Credit Bureaus regarding an identity theft and wrongful IRS Tax Lien being reported on my credit report. The IRS removed the claim, as have XXXX of the XXXX reporting agencies. TransUnion has said that I did not provide enough proof, even though it was sufficient for the other XXXX agencies. When I pressed a supervisor for what more information needed to be supplied the answer was 'I do n't know. ' This is unacceptable that a CRA can report obviously incorrect information on my credit report, and refuse to tell me what information I need to provide in order to have this fraudulent information removed. TransUnion in my opinion is making up their own rules, and is operating outside of the law with regards to credit reporting. I was a victim of identity theft, and TransUnion is continuing to victimize me by reporting false information after being provided sufficient evidence to support this. Additionally, they are causing me undue aggravation and duress by failing to comply with the law regarding removing false information from my credit report. I am requesting you take action against them, and let them know they are not above the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of my contact with Macys corporate office of spite they reported my credit limit lower than what it was and its hurting my score. My credit limit was {$5000.00} and they are showing it as {$100.00}. COMPLETE XXXX!! According to the FCRA..reporting should be FAIR accurate, complete and verifiable. HOW IS THIS FAIR?!? This is grounds for a lawsuit. You changed my limit after i requested the account to be closed! 

There was a discrepancy in my address. I asked the agent to update it and they didnt so i didnt receive the bill. 

Macys refused to remove late fees even after they determined it was THEIR fault. My account was closed by a corporate agent who ALSO changed my credit limit with ALL three bureaus after they closed the account. THIS IS ILLEGAL!! 

By law ( FCRA ) you are required to report accurate information. MY credit limit was NEVER {$100.00}. 
you intentionally hurt my score out of discrimination towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a soft inquiry pre approval with better mortgage. They instead ran a hard credit inquiry and have denied it. I verified with XXXX and XXXX that they not only ran a hard credit pull on XX/XX/XXXX they also pulled a second hard credit pull on XX/XX/XXXX. I never received a 30 year loan estimate and never gave authorization to proceed in the loan process. XXXX will only talk to me by email and want paper documentation of the hard pull. I provided a screenshot of my experian and they still denied the hard pull ( s ). XXXX is willing to do a 3 way call to vouch on my behalf because they can not issue paper documentation directly to me- but when we waited on hold with better mortgage XXXX refused to come to the phone.
Product: Debt collection

Please see attached form sentry has mailed to me. Sentry has been calling me non stop from morning hours till XXXX XXXX  at night consistently every XXXX minutes. They call while I am at work. A woman had threatened to call my work and tell them about my debt. They are harrassing me and have been from an unknown number. I am homeless and have been the last XXXX  years and live in my car. There are certain bills I can not pay because the amount is too high. I am willing to work with the creditor but not if they are harrassing me and the amount they want is way too high. I make minimum wage and am again homeless and live in my car. I go without eating most days because bills have piled up and I am trying to do the right thing by trying to make payments when I can.
Product: Checking or savings account

I filed a fraud dispute on my account for XXXX these were not my charges and the company has a XXXX liability it says but keeps denying my disputes even speaking to numerous agents and supervisors and while Im on hold the company recording states file a dispute if its not yours. So I did and they deny seems very unfair practice
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be. u have not been able to get help from them for weeks. but i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used Paypal quite frequently. my email linked to my Paypal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7500.00}
Product: Debt collection

This company called me a few months ago telling me that I have an outstanding debt with them. I asked for a validation of the debt and a signed contract in my name. They never sent me anything and they continue calling and making harassing calls. 

SUNRISE CREDIT SERVICE. ACCOUNT # XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year> Balance : {$280.00} I wan na take this account of my credit report from XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate and inappropriate personal information reporting on Experian credit reports
Product: Money transfer, virtual currency, or money service

I was using XXXX for drop shipping, my complaint is about PayPal. They told me I'm not able to do business with them even though I've sent them proof of my business with XXXX. They had me wait XXXX for my customers funds and I was forced to close my store. 
This all occurred over the past 2 years.
Product: Credit card

Recently I submitted a dispute against XXXX ( XXXX ) -transaction date XXXX XXXX, 2016 for {$930.00} and received notice from Chase that my claim was rejected. My dispute is BECAUSE XXXX ADVERTISED COMPLETE WOOD SETS, UNDER THE WOOD SET TAB AND DELIVERED RESIN. 

I am escalating this to you because I have proof that my correspondence to Chase on the matter was ignored and hence do not believe my case was handled correctly. Please see the attached wherein I layout to Customer Specialist XXXX XXXX how the merchant misrepresented their product and why I want a complete refund.
Product: Checking or savings account

on XX/XX/XXXX I deposited {$950.00} into PNC ATM branch location. The ATM did NOT deposit the cash. The bank stated they will mail a cashiers check and they have not. they have closed all my accounts but say they will get back to me soon. it has been over a month and they are refusing to return the money even though I have letters stating the machine messed up and I will be getting the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX Montgomery Ward accessed my credit reports without permission that is a violation pursuant to 15 USC 1681n. This has caused my score to decrease.
Product: Credit reporting

Equifax provided a credit score to multiple financial lending companies and specifically reported a score to XXXX on XXXX XXXX, 2015 that was XXXX points lower that the credit I received directly from Equifax. They provided a score of XXXX and I have specific documentation related to that incorrect reporting data. In addition, I have additional request prior to and after that data error reporting incident in which this particular reporting agency adjusted dramatically the credit score. In effect, they are adjusting arbitrarily a consumers credit score without regard to the outcome of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A new collection appeared on my Experian credit score, the collection is from XXXX, a company that I've never had business with -- I have been experiencing credit fraud, and I called to dispute this item XX/XX/2019 I called Experian and disputed this item as soon as I got an email notification about it -- XX/XX/2019 Experian marked this collection as accurate -- XX/XX/2019 - AGAIN, I have no idea what XXXX does and I've never done business with them! I do not know why they would declare this to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both of these accounts are listed on my credit that do not belong to me. 


XXXX. XXXX XXXX # XXXX Date opened XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX
Product: Debt collection

In 2019 I had a consumer credit transaction with XXXX XXXX  in XXXX MI and signed an agreement a retail installment contract thats I received without the proper disclosures under truth and lending I was violated and even paid a down payment of XXXX since Ive grown and am now aware and exercising my rights as a consumer Ive spent over XXXX of my hard earned money with this Corp thats more then the XXXX charge itself I have sent credit acceptance a debt validation letter with a dispute letter on XX/XX/XXXX they sent a letter back saying every thing was accurate and there will be no deletions I also an affidavit of truth with exhibits through certified mail I am now awaiting for them to verify the debt and rebuttal my affidavit Ive also sent in a cease and desist Ive recently sent out a billing error dispute letter
Product: Checking or savings account

I used online banking and accidentally sent money to a company that an account was closed and called regions bank they refused to help was rude and not professional and advised me to contact company