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

To whom it may concern : TransUnion & XXXX XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. 
Inaccurate items : XXXX XXXX XXXX All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. 
Sincerely XXXX XXXX
Product: Mortgage

while ocwen has made many mistakes on top of it all ocwen never furnished me a 1099 for taxes; im still being charged on my mortgageocwen failed to furnish 1099
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, and I've taken the time to compose this message. Per 15 US Code 1681S-2 ( a ) ( 1 ) ( a ) & ( c ) along with 15 USC 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts that are listed in this account should not be reflected on my consumer reports as they violate my rights as a federally protected consumer. Per the supplied codes in this statement ; they summarize that it is NON-PERMISSIBLE for a creditor to report anything, under any circumstances without the agreement and written instructions of the consumer. I have not given these creditors my instruction or permission to report anything on my behalf. No consent constitutes identity theft in this matter. I am demanding the immediate deletion and removal of these listed accounts immediately. Additional Unauthorized hard inquires : XXXXXXXX XXXX XXXXXXXX XXXX,. XXXX XXXX
Product: Credit reporting

The XXXX XXXX ( California ) Recorder shows a massive owed debt on my credit report, for XX/XX/XXXX and XX/XX/XXXX. 

I did live in XXXX during some of this time, but I was not working the entire time ( 2 months one year, then XXXX the next at a XXXX company ) both times as a employee making roughly median wage there. The amount they claim i owe is substantial, over XXXX and XXXX for each year. 

I have contacted the XXXX recorder 's office, and they have NO documentation about this at all, and do not understand how i could possible owe the amount claimed. As they are unable to provide ANY paperwork backing up this claim, i 'd like it removed from my credit reports. Experian and etc do n't make this easy as it 's a government entity on my report, not some bank. 

What can I do? They ca n't or wo n't send me anything showing how i owe this debt I know I do not owe.
Product: Debt collection

I received a harassing letter and ph call claiming I owed a medical debt. I immediately requested validation of the debt, the company sent statements which according to Federal Credit Union v. Kauanoe*, 62 Haw 334 ( 1980 ) statements are not instruments proving debt. The company sent no contract or agreement of services. Furthermore they are using a 3rd party processor to print and send billing statements which is a direct violation 15 U.S. Code 1692c ( b ), as I have not granted them permission to share my information with a 3rd party.
Product: Checking or savings account

The options provided to me on your complaint website did not apply to my situation. So I just chose whatever options you had available. 

My complaint is in regards to how a fraud complaint was handled with Capital One 360 Bank. For the most part I am happy with the way they have handled it. But my complaint is based on something I don't think is right. 

My understanding of FACTA is that the bank has to provide me with whatever information I request ( as long as its relevant ) regarding my fraud incident. A fraudulant/stolen check was cashed in my account. I requested that they provide me with the LOCATION of where the check was cashed. They told me they would not provide me with that information. 

My understanding is that I have a right to that information as the victim of fraud. And they have to provide it within 30 days of my request. But they tell me they will not share that information with me. And they said their investigation takes up to 90 days. 

I mentioned I was at the police station and they told me to have the police contact them. 

side note : they said they don't know where it was cashed YET but would still not provide that information to me even once they had it. And also told me I could not communicate with the investigator to obtain the information on my case. 

I spoke with XXXX, a manager, in the customer protection department. employee number XXXX Fraud case number XXXX
Product: Debt collection

XXXX XXXX repeatedly called me since they bought this debt. Threatened to sue me regularly. Unwillingly provide contract agreement to verify this is my debt.
Product: Mortgage

Guild Mortgage reported a 30 day late mortgage to the credit bureau. I scheduled an ACH on XX/XX/2022. on XX/XX/2022 I was expecting my payment to go through and never knew Guild Mortgage for one reason did not process my request until another a loan officer called me to notify me on XX/XX/2022 that I have a late mortgage and my loan was denied even though I paid off whatever I was owing Guild Mortgage. I called Guild Mortgage they argued that they did not see any ACH set up. Guild Mortgage system is unreliable. I have 5 Mortgages including Rent scheduled on an ACH and I have never been late on my Mortgage or bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by XXXX XXXX XXXX oh that I had a freeze on my credit but too that they pulled my credit somehow to deny me credit but sent me a link for a one time unfreeze of credit through XXXX but it did not verify my information as I have used 3 oh different zip codes in the last calendar year but not sure which one they were asking for to verify my identity. So uh it denied unfreezing my credit. Tried to login to my XXXX  account but it was deleted again second time so called their phone but no one live to talk to so uh sent a message uh to XXXX account of theirs for XXXX they responded oh with asking my vital info but oh hey I have a Cyber Stalker so uh it os compromised but they have not responded and uh my credit still locked with them THE APARTMENTS XXXX XXXX XXXXXXXX REFUSED TO USE XXXX where I had unfrozen my credit and too probably at XXXX as well in XXXX but not at XXXX then but did last week or this week unfroze it at XXXX but oh still frozen at XXXX and no assistance in unfreezing it so I can apply for an apartment living in a hotel is uh unsafe but too uh costly. Oh living here because of divorce and no uh job for many years after kids born uh just raised them as full time mother as per my husband my wishes. Do only locked at XXXX but not okay huh with XXXX XXXX XXXXXXXX using a different uh credit reporting agency he cited Fair Housing saying it would be against that law to use XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my friend 's XXXX  with the username : XXXX was hacked into. On their story was a screenshot of a PNC bank virtual wallet account that read " Who has a PNC account and wants to make money today? ". I then gave them my login to my online banking. They would send in {$1000.00} twice and have me send it out in the end I was promised {$3000.00}. The first {$1000.00} was sent on XXXX  to $ XXXX, the second {$1000.00} was sent on XXXX to XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to XXXX and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Discover Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Discover please take leniency on my hardship and remove any 2020 lates as a one time goodwill adjustment.
Product: Credit card

A fraudulent credit card transaction ( XXXX ) was made to my Macy 's account while I was on vacation ( XXXX XXXX ). At this time, my balance was zero. I only use the card at Macy 's and use is sporadic. Due to changes in the Macy 's website I was unable to get online and check the account and had statements received electronically only. In XXXX, I received a new card from Macy 's, but was unable to verify the card due to problems getting online and could not activate the card until I called them. The card was activated, but I was told their was an unpaid balance. Since I had made no charges, I asked for paper statements. I called back to say the charges were fraudulent. I was told the charges would be removed while investigations proceeded and to call back and verify in ten days. Called back and they had no record of this call, so I started over and filled out their forms for fraudulent charges. Got a new card. Ca n't access most portions of the bank website, nor use the card for Macy 's transactions. Talked to tech support who indicated the account was locked. The XXXX statement balance was XXXX due to fees of XXXX the balance was transferred to the new card and the XXXX statement was XXXX. They credited the XXXX and XXXX of the prior interest and fees, and said I owed them XXXX in fees and interest that was not disputed. But these are related to the fraudulent charge. I have called and talked to XXXX individuals and sent XXXX secure messages, and written letter on XXXX XXXX, but they say they will remove these fees but never do. so the account remains locked and the card unusable. I HAVE NOT USED THE CARD SINCE XXXX. THE BALANCE SHOULD BE ZERO. I keep getting different numbers to call, all of whom claim to have fixed the problem but nothing happens. I have missed the holiday sales as a result.
Product: Credit card or prepaid card

I opened a Barclay 's credit card which had a promotional 0 % interest rate for 18 months. I made regular payments on the card after a {$1500.00} purchase and had the balance down to {$880.00} when the promotional period ended. Barclay 's then charged the entire amount of interest due on the {$1500.00} purchase all at once, even though they had already received {$610.00} in payments from me. They assessed an interest charge of {$470.00} on XXXXand have added that to my balance. I find this to be very deceptive on their part.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act, this creditor XXXX, Experian & XXXX Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Inquiry date XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Account number XXXX XX/XX/XXXX XXXX XXXX XXXX Account number 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 card or prepaid card

on XX/XX/2023 someone charged XXXX and XXXX transaction fees and XXXX for tax. i filed a fraud complaint with Bank of America and they denied the claim. I filed A claim with Sheriff Dept. in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i was a victim of fraud and identity theft. someone had taken my identity and opened up a Barclays credit card under my name and recorded a debt in the amount of {$6400.00}. this account has been closed however i have reached out to Barclays and given them a series of documents including a police report against a specific person proving that it was not me who opened this credit card. Barclays is unwilling to work with me on this and is not giving a thorough investigation.the person who i have a police report has done fraud to other people as well.
Product: Vehicle loan or lease

Account # XXXX I have been a victim of " Identity Theft '' twice ( XXXX and XXXX ) whereby my credit report has been SEVERELY COMPROMISED to the point where my credit score dropped more than XXXX points! I have reached to out to Santander, in hopes for their understanding as well as to seek a REFINANCE of my current AUTO LOAN. I need to obtain a lower interest rate as well as lower monthly payment rates. 

I can provided your office with all the necessary documentation i.e. Police Reports Federal Trade Commission reports and Banking information where my credit cards were ALL PAID IN FULL! No Delinquents! No Charge Offs! No Remaining Balances! and No Settlements for a Lesser amount! In fact there should literally be NO NEGATIVITY on my report whatsoever!. 

The attached document demonstrates XXXX 's Reporting ALL NEGATIVE, INACCURATE and INCORRECT information! ( see attach file )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I placed a limit order for a virtual currency ( XXXX XXXX ) in the amount of approximately XXXX . I later cancelled this order, the order still shows as being open and I don't have access to my funds or the currency. If I try to cancel it it says order not found. I have reached out to the company ( coinbase ) multiple times and have multiple tickets. Each time they reply saying the problem is solved in a generic email but it is not. For 3 days now I have lost access to my XXXX $ with no contact from their company
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Westlake Financial Services repossessed my vehicle after being late despite the fact that I set up a payment plan with them. After I paid their requested amount to redeem my vehicle they slapped me with repossession fees twice that doubled the remaining loan amount I had left to pay. They refused to give me a breakdown of what those fees entailed and if I had been charged twice for XXXX repo. They were so mean to me saying " you got yourself into this so just pay what we bill you ''. Despite the fact that they treated me like a criminal or savage for falling on hard times, I still manage to pay off the entire loan including those fees. For the longest, they kept reporting the loan as open and delinquent. It took months of calling to get them to finally report the loan as paid off. Now two years later my nightmare with this company has returned as they 've reported " no data '' for more than a year then reported it as a collection as of XX/XX/XXXX with no further data. This company is the WORST to deal with as they are disrespectful, inconsistent, and dishonest. I fought for an entire year just to get them to issue me a statement that the account was fully paid in 2014. When I called a few weeks ago to dispute the innaccurate information they reported to XXXX the man said " we 're actually doing you a favor since its better than what we were previously reporting. I have written proof from this company that the loan was paid in full XX/XX/XXXX. Because of their inaccurate reporting I am unable to attain credit. I have been disputing this with the company as well as the credit bureaus time and time again and no one is helping me. Since they can not report truthfully they should remove the trade line entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am a victim of identity theft and I am writing to request the removal of the following fraudulent hard inquiries from my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inquiries were made without my consent or knowledge, and I believe they are the result of someone else attempting to use my personal information for their own gain. As a victim of identity theft, I am entitled to dispute inaccurate or fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ).

I am requesting that these fraudulent hard inquiries be deleted from my TransUnion credit report as soon as possible to protect my credit score and financial well-being. I am willing to provide any necessary documentation or information to support my claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit karma XXXX XXXX XXXX pulled credit without my permission
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX D.C. XXXX Subject : Complaint Regarding Inaccurate Collection Account Reporting National Credit Adjustors Dear CFPB Representative, I am writing to formally request your assistance in resolving an issue with National Credit Adjustors account number XXXX regarding an inaccurately reported collections account on my credit report. I have attempted to resolve this matter through the credit bureaus, but the inaccuracies persist, severely impacting my financial situation. 

The account in question contains multiple errors, including but not limited to : - Incorrect balance - Inaccurate payment history - Wrong account status - Misleading or unverifiable information This is the only collection account on my credit report, and it is significantly harming my credit score. As a result, I am facing difficulties obtaining housing for my elderly, widowed mother, who is a retired nurse. Her current home is in a state of disrepair, and I urgently need stable housing to support her well-being. Additionally, I am XXXX and unable to work, making it even more critical that my credit report accurately reflects my financial standing. 

I respectfully request that your office investigate this matter and ensure that National Credit Adjustors corrects or removes any erroneous information. Please advise me on the next steps I should take and any additional documentation required to support my dispute. 

Thank you for your time and assistance. I appreciate your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

RECEIVED A CHECK FROM MERRILL LYNCH, CASHED THE CHECK AND FOUND OUT CHECK IS BOGUS. I AM OUT OF {$2900.00} AND WANT MY MONEY. 

XXXX XXXX XXXX or XXXXXXXXXXXX
Product: Credit card or prepaid card

I have a Home Depot credit card managed by Citibank. This card currently has a zero percent rate until XX/XX/2019 for the purchase of a furnace. My statement of XX/XX/2019 showed a payment due of {$34.00} by XX/XX/XXXX. This payment was made on XX/XX/XXXX. There is no dispute about this ; the payment is included on my statement of XX/XX/2019 which requires a {$33.00} payment by XX/XX/2019. This payment was made on the evening of XX/XX/XXXX, through their phone system after the statement had closed. It was their phone system that indicated the amount of the payment due. There is no dispute about this. 

The statement of XX/XX/2019 shows this payment made on XX/XX/XXXX, but they also charged me a late fee for not making the payment that Citi does show being made on XX/XX/XXXX. Their reasoning was that the XX/XX/XXXX payment was retroactively applied to the XXXX statement without notification to me. Thus they claim there were two XXXX payments, but no XXXX payment. This is despite the fact that both the XXXX and XXXX statements show the opposite. 

I called Citi on XX/XX/XXXX and was told the late fee would be reversed, which it was. The next day another person from Citi called me demanding an immediate payment of {$93.00} to cover the " missed '' payment due XX/XX/XXXX, the new {$33.00} payment due on XX/XX/XXXX, and the {$27.00} late fee which had already been reversed. I asked for a supervisor who gave me the same story. 

On XX/XX/XXXX, still another person from Citi called demanding an immediate payment of {$93.00} because my account was overdue. This person was much more polite and understanding. She transferred me to another supervisor, who told me to make an immediate payment of {$46.00} and then pay another {$46.00} by XX/XX/XXXX. In their version of the universe, I still have the pay the " missed '' payment that they admit was paid, the new month 's payment, and the late fee which has already been reversed. I was told by the supervisor that this would be a benefit to me because these payments would be applied to principal. Note this account has a zero percent interest rate until XX/XX/2019. 

When I was in fifth grade my brother and I got a paper route and opened savings accounts. We learned about the time value of money. It is really strange that a supervisor at one of the world 's major banks would think that paying principal early would be any advantage to me.