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

As a follow-up to my earlier complaint to have the bogus items removed, I, XXXX XXXX XXXX am submitting this CFPB complaint. I requested the removal of ( personal information, address, accounts name, and account number ) that is UNKNOWN to me in a letter on ( insert date letter was delivered to bureaus ). I just learned about this regulation, and it states that you must delete any accounts or information in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than 4 business days following XX/XX/XXXX. This is something I've already mentioned in my prior complaints, and I'm including it once more. Kindly take out the following as soon as you can : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please erase any accounts and information that were created as a consequence of identity theft, as required by law according to Fair Credit Reporting Act Section 605b, which I have read about.
Product: Credit card or prepaid card

I signed up for a discover card in XX/XX/XXXX and was signed up for a payment protection plan through my discover card that I was n't aware of or gave permission to sign up for. I did not realize I was signed up for this until XX/XX/XXXX when I was checking my bills online. The fee for this is charged at the same time as interest rate so it looks like it is part of the interest charges each month. I am very aware that I did n't notice this charge for 7 years up to now, but now that I have found out and done the research on what they 've been charging me, I am very frustrated to sat the least. 

XX/XX/XXXX : I called discover to ask them about these charges and to get proof that I signed up for this program initially. They can not provide me with this information which is even more frustrating. They have decided to only refund 6 months of back charges for this program and this is n't acceptable to me. They need to dispute and refund the full amount. I never signed up for this program, I never gave permission for them to charge me for this, I have also never used said program. They signed me up for this program without my knowledge or consent and fraudulently billed me until I said something. Now they take their gains and refund only 6 months after taking and taking for 6 years. 

This is 100 % unacceptable, they need to provide me proof that I originally signed up for this program. They told me I said yes in a phone call in XX/XX/XXXX? What kind of XXXX is this ... 
I signed up for the credit card over the internet and only the credit card, not any accompanying programs they use to get money from people. I need someone to investigate this matter fully, I have 7 years of credit card statements showing charges from $ 10-75 each charge!!!?? This is honestly a scam and ridiculous and should n't be allowed. 

I repeat I have never signed up or used any program like this from discover credit card company and dispute all of the charges associated with it.
Product: Checking or savings account

Tried a third time today. Company refuses to open the account or explain why they won't. 

The CFPB refuses to take my complaint and read it. 

Proof that no one has ever read my complaint is that no one will respond to it. 

If a real live person has read this, please write me at XXXX. 

I am a former State Representative. I shouldn't have to call in political favors to find out why a bank rejected my application. This doesn't require a Congressional hearing. I merely want to know either : 1 ) why they won't open the bank account ; or 2 ) Failing that, I want the CFPB to tell me whether or not you consider yourself to have the authority to investigate this matter. If you don't, please give me the statute or regulation that prevents you from helping consumers find out the reason a bank account wasn't opened. 

As it is, I am 99 % confident no one ever reads these complaints and you never do anything. But if I'm wrong, prove it. Please respond to be at my email address. 

If you're overworked and unable to respond to most consumer complaints, you can let me know that as well. I think the public has a right to know if the CFPB is able to do its job or lacks resources to do so. Maybe I can help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute telemarketing activities conducted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appear to violate the Telemarketing Sales Rule ( TSR ) and other applicable laws. Specifically, under the Telemarketing Act, 15 U.S.C. 6103 ( a ) and ( f ) ( 2 ), the States of Colorado and Minnesota, by their respective Attorneys General, are authorized to take legal action to enjoin such activities and enforce compliance with the TSR. 

I believe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has engaged in activities that contravene these provisions. These actions have caused distressed in my day to day life. 

Pursuant to the Telemarketing Act and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5552 ( a ), enforcement is also permissible to secure damages, restitution, and other remedies for affected consumers. As such, I request : 1. A complete and immediate cessation of all telemarketing communications directed at my phone number ( s ) : XXXX 2. Documentation of any agreements or authorizations you allege permit such communications. 
3. Compensation for any damages or harm caused by the aforementioned activities. 

If this issue is not resolved promptly, I may escalate this matter to the appropriate state or federal authorities, including the Attorneys General of Colorado and Minnesota, who are empowered to enforce these laws and protect consumers rights. 

Please respond to this dispute within reasonable timeframe, e.g., 30 days from the date of this letter. Failure to address this matter adequately may leave me with no option but to pursue additional legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt response
Product: Credit card

Found my credit score has gone down ( now by XXXX points ) as Chase Bank issued a credit card under my old name ( name changed when I married 23 years ago. This person had my old name, my old phone number, and used my social security number. 

I discovered the information while Chase was in the process of sending this unknown person a credit card under my old name, but my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information with XXXX, Equifax and XXXX over the past few months. 
I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX  XXXX XXXX XXXX Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX. XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit
Product: Credit card

On XX/XX/XXXX I made an INCORRECT payment to Bank of America for over {$4000.00}. The payment should have gone to XXXX. On XX/XX/XXXX I realized the mistake and called BOA and spoke to a representative. I was advised she had sent the appropriate parties the information and the money would be returned to me in a few days. I didnt receive my money. I called again and was told this time it would take one billing cycle before the mo ey could be put back into my checking account. Its been one billing cycle and the money has not been returned. I sent a letter to the corporate and have heard nothing. I need this money to pay the XXXX  card. My daughter died on XX/XX/XXXX. I was upset when pay8ng my bills. I know I created the problem but they shouldnt be holding my money this long. My recent contact with them indicated my request was being investigated.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013, XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

XXXX and XXXX XXXX applied for a modification with PennyMac mortgage and they received the modification however, the value of the home is {$210000.00}. The modification is for {$510000.00}, which PennyMac told us that we could refinance after 6 months of on time payments. We met the 6 months on time payment on XX/XX/XXXX but PennyMac did not keep their end of the promise. We were told that {$220000.00} was written off, that is it, and that is all. " You and XXXX XXXX do not qualify for a refinance and we are not writing off any more of your loan ''. My husband gave me a XXXX XX/XX/XXXX and now my husband has been diagnosed with XXXX. We need PennyMac to refinance our house because my husband medicines along with my medicines are costly. We do not want to lose our home but we do want PennyMac to work with us to keep our home. We have also gone to the Illinois State Attorney. The solution has not been reached with the Illinois State Attorney but the Veteran Administration told us to write to CFPB for help. Yes, my husband is a US Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.
Product: Credit card or prepaid card

I never applied for Nordstrom card I tried multiple time dispute with credit bureaus and Nordstrom bank they never help me even I have a police report file it
Product: Consumer Loan

I had my car repossessed by Lobel Financial on XXXX XXXX. They stated I was 45 days late in XXXX payment. I always pay my car note on or around the XXXX of each month even though my car note is due on the XXXX of each month. That brings me to be 15 days late each month. I was told they are tired of me paying each month late. And out of the 8 month I had my car which I got back in XXXX I have paid my car note late 6 times. I checked my credit report on XXXX XXXX, and my report state I paid every car note on time. I did make a payment XXXX XXXX. I was told that was for XXXX but on my credit report it was reported as on time for XXXX. I contacted Lobel a few days ago and they stated I missed a payment in XXXX and for me to find that receipt of payment and then they will review my case and see if I can get my car back. When I told the lady that it was positive reporting on my credit I was put on hold for her to tell management I guess. I know I paid XXXX and pay my car note every month. I was trying to pay no more then 30 days before it hit my credit so I can build credit and trade the car in. Also the terms of lease change and the amount I pay each month changed I paid for 8 months and my car loan never went down XXXX bit. I put down {$3000.00} on the car and the current balanceit is more money owed then when I first. My car financed was suppose to been {$7900.00} with {$3000.00} down. In Addition they financed my car with the wrong SSN I had to change it to the right number when they called me a few days after I got the car. Also they had stop completely sending me statements regarding my vehicle. I have XXXX statements and I will show how in two XXXX months XXXX payments where made and my payoff balance only went down by {$100.00}. I 'm very confused.
Product: Debt collection

Calls about a debt that is n't mine or past statute of limitations..have sent cease and desist and still call..calling relatives and threatening them.
Product: Credit card or prepaid card

Capital One has been given roughly six hours of my time to solve an issue of online banking, to no avail. One person suggested that I ask family for money. I am out of town and my debit card was stolen. I expressed concern that I was staying in unsafe areas because I can not access my money, with not one apology. Concerns about my safety were minimized. Agents were rude, incompetent, and unable to resolve or understand simple problems. I spent an hour and a half with one dimwitted agent who insisted that he solved my problem. He did not. I also dealt with agents who felt entitled to scream at me and would not give their names. This isthe most incompetent group of " professionals '' I have ever encountered. WALmart would be better
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question, associated with XXXX XXXX, is reported inaccurately and in violation 's of multiple sections of the FCRA. Please review the following details and take immediate action to correct these errors. 

Account Information Creditor : XXXX XXXX Account Number : XXXX Reported to : TransUnion, XXXX XXXX and Violations Violation of 15 U.S.C. 1681i ( 7 ) - Method of Verification The account was reported without valid evidence of the alleged debt. I demand verification of the method used to validate this account 's information. The lack of sufficient evidence necessitates the removal of this account from my credit report.

Violation of 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) - Accuracy of Report The reporting of this account fails to meet the standard of accuracy mandated by law. The information provided is not 100 % accurate, as evidenced by the inconsistencies in payment history and account status. For example, there are discrepancies in the date last active, date of last payment, and the payment history across different reporting agencies Unauthorized/Erroneous Account due to XXXX XXXX XXXX This account may have been erroneously reported as a result of the XXXX XXXX XXXX. It is imperative to ensure that the reported information is accurate and not the result of unauthorized access or data manipulation.

Violation of 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report Any credit transaction involving the use of a social security card is to be excluded from consumer credit reports. Please confirm whether a social security card was used in this transaction and remove the account if it falls under this exclusion category.

Payment History Discrepancies The payment history reported is inconsistent, with conflicting information on payments and dates last active. Notably, the two-year payment history is not accurately reflected, with unclear or missing data for multiple months Request for Action In accordance with the FCRA, I request the following actions be taken within the legally required timeframe : Immediate Investigation into the accuracy of the information reported.

Deletion of all inaccurate and unverifiable information related to the XXXX XXXX account. 
Written Confirmation of the results of your investigation and any actions taken. 
Please consider this a formal complaint and investigation request. I expect prompt action and compliance with the relevant federal laws. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

I pulled my 3-bureau credit reports on XX/XX/2022 and noticed a collection being reported by SOUTHWEST CREDIT SYSTEMS XXXX I wrote to them to dispute the collection and requested that they provide validation of this collection. ( see my letter dated XX/XX/2022 ) I received a response from Southwest Credit Systems on XX/XX/2022 providing me with nothing that I requested in my letter from XX/XX/2022. What they provided was a letter dated from the apparent original creditor with information that reflects my name, on a letter to Southwest Credit Systems. 

I wrote them another letter on XX/XX/2022 acknowleding that I received their letter from XX/XX/2022 informing them that I could not identify what they had sent me. ( see attachment ) To this date, XX/XX/2022, I have not received a response or any information to clarify to me that this alleged debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the following items : XXXX XXXX XXXX : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or remove this from my file. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this deleted immediately. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} - XXXX see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate deletion of this item is necessary. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this updated now. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, delete the account from my report. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} - An account showing to be currently 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately. Otherwise, remove this account immediately. 

XXXX XXXX XXXX Balance : {$3700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, delete or remove ASAP. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} - Please review your records regarding this account, as we have established your bureau 's propensity for reporting inaccuracies, and validate this item immediately. Remove if unable to validate. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. 

I would appreciate it when you have finished your investigation to receive a detailed report on each of the items I requested investigation for.
Product: Checking or savings account

I have been a customer with this bank since I was XXXX XXXX XXXX. Over the years they changed names and been bought out but I always stuck through with the same account. Since it became peoples United bank I have never had so many issues. 
I have been on partial unemployment due to covid and working part time at my job for 11 years. Unfortunately most of our staff has quit because of vaccine mandates which has effected my hours greatly to the point I have not been scheduled. I figured I can collect while I find a new Job for the time being. Unfortunately at the same time I also been cut off unemployment completely. I have a family of XXXX. XXXX children. We now live off of one income. I cant afford daycare and this has all happened with in 2 weeks. My life has been completely flipped up side down. Now Im scrounging up change to buy milk. Its very overwhelming how much can change out of your own control. During this time, bills were still being paid. I have since then turned off all automatic bills in my account. I have been in negative for two weeks and since Im in negatives I been hit with 16 over draft fees. XXXX  dollars total. This is an excessive amount of money for over draft fees all at once. I cant get my account out of negatives because I dont even have the funds to do so and the 16 over draft fees has made it impossible. Top priority is to keep my mortgage in good standing and food in the kids bellys. Please take my situation into consideration and wave some of these over draft fees. 
Thank you XXXX XXXX XXXX XXXX, 2021 2021
Product: Debt collection

XXXX XXXX ( XXXX ) has already called my house 3 times this morning. They are looking for an XXXX XXXX. I am not XXXX XXXX and do not know an XXXX XXXX. This harassment has been going on for weeks, with multiple calls being made to my home daily at all hours of the day and night. I have repeatedly asked them to stop, but they refuse. Each time I am told that my number will be removed from what ever account they are trying to collect on, but again, they are not doing it. This needs to stop.
Product: Credit card or prepaid card

I sent Seventh Avenue a Federal Trade Commission Identity theft report in regards to a fraudulent Seventh Avenue Account # : XXXX opened up in my name and the fraudulent account is listed on my XXXX and XXXX credit report. The Seventh Avenue Account is a fraudulent account and isnt my account. I never applied for the Seventh Avenue Account. The account is the result of identity theft.