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

I've been a cardholder at U.S. Bank for at least five years. In those five years I've maintained perfect payment history. Early last year my 0 % promotions periods ended and my interest rates surged to 24-26 %. Despite changing careers, being forced to take a pay cut, and moving in with family to be able to continue making my credit card payments on time, I've tried asking various representatives and managers to lower my interest rates ... .but they've been extremely unhelpful in the following ways : 1 ) The representatives/managers mislead the consumer by stating they will look to see if there are promotions for lower interest rates, knowing that there are none ... ever ; 2 ) Depending on who you talk to, they misinform the consumer about credit hardship programs. For example, one representative told me earlier this year that the hardship department would talk to me if I was only one- to two days late making a payment. Yet when I tried doing that, I was charged a late fee and was basically told my account wasn't late enough, and that it would have to be in collections in order for them to work with me. I demanded a refund of the late fees due to their misinformation, which they granted. But then I was told by another manager that since most of my credit card accounts are closed, I'm locked in at that ridiculous rate and there are no promotions to lower my interest rate on the remaining open card ; and 3 ) U.S. Bank representatives/managers say the ONLY hope at a lower interest rate is to contact Consumer Credit Counseling. U.S. Bank is the ONLY credit card company that does not offer a hardship program to consumers struggling to make on-time payments. I negotiated lower interest rates and fair payment plans with XXXX XXXX, XXXX, XXXX, and XXXX.

To add a cherry to the sundae, tonight ( XX/XX/18 at about XXXX XXXX. PST ) I spoke with an abusive upper level manager, ( XXXX, ID no. XXXX  ). He called me irresponsible, leveled all sorts of accusations towards me about my " lifestyle decisions, '' made judgments about me racking up debt when I simply tried to explain to him that I changed careers and had to take a pay cut, thereby having to use credit cards to live on to make up for the loss. I've since closed out those cards so I could make efforts to pay them off. He could see my accounts ... that they were closed, yet continued to be abusive, condescending and degrading.

I'm in the process of interviewing attorneys to help me further escalate this complaint, and am reaching out to your agency as well for a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX 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: Debt collection

Please find the above collection agency by submitting a false sale from Capital One Bank Card. 

1 ) They allege that they purchased the debt from Capital One Bank Card # XXXX in the amount of {$2300.00}. 

2 ) This is false as they failed to supply how much did they really pay for the alleged debt from Capital One Bank Card # XXXX. 

3 ) They also failed to provide proof of each item of the allege debt that totals {$2300.00}. 

4 ) They have failed to provide the credit card agreement with my signature. 

This fraud must be investigated
Product: Credit card or prepaid card

I attended a time share presentation at the XXXX XXXX resort owned by XXXX with my husband on XX/XX/XXXX, arriving at XXXX. I had received an invitation when at XXXX to attend and receive a free gift. We sat through the meeting and tour with a XXXX time share presenter and real estate agent, and then were given the sales pitch by the real estate agent and the financial representative. We at no point made a purchase or authorized the use of my information to be used for any purchase. They lied and said the needed my information to pull up an individualized offer for a timeshare. We declined any purchases. In the mail on XX/XX/XXXX, I received a notification that a Comenity Vacation Club Credit Account with a {$10000.00} limit had been opened in my name on the same day as the tour at XXXX and a report that my credit had been hit by XXXX and a significant reduction in my credit score had occurred. I immediately contacted Comenity via phone and cancelled the card due to identity theft and fraud. Comenity indicated that they would report the credit account being opened fraudulently to XXXX but did not know if any other accounts had been opened in my name. I have contacted XXXX timeshare division asking for a supervisor but have not been contacted at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd time contacting you all regarding my disputes to XXXX, XXXX  and Transunion. I can understand that it may be a slight delay but to not just respond to disputes at all is totally unacceptable ... Can someone please review my disputes. 


XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX-xxxxx-Unverified Account XXXX XXXX XXXX XXXX-XXXX- Unverified Account XXXX/XXXX  -- -xxxxxx-Unverified Account XXXX XXXX XXXX-xxxxx-Unverified Account XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-xxxxx-Unverified account XXXX XXXX Date of Birth XX/XX/1974 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my consumer credit report I noticed some accounts that I have no knowledge of per section 606b and 15 usc 1681c2 I request the following accounts be blocked and or deleted within four business days Im also a victim of the XXXX XXXX breach Please block and or deleted within four the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX these are all the dates I have disputed and they claim they have resolved it but nothing has been done these accounts are still on my credit damaging my credit transunion! There is an account named I c system {$1100.00} this is not mine I have reported it fraud asked for proof of debt purchase from this debt collector and response was were not a collection they are they provided nothing else. I have paid XXXX closed account still has not been removed a lot of random hard inquiries as well!!! A lot of incorrect addresses I called equafax and disputed as well nothing its been years of fraudulent behavior from these people as if were not poor enough I. America!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a bank account with XXXX XXXX XXXX XXXX. They denied me, they told me contact XXXX XXXX So I ordered my XXXX XXXX Report. I saw that it said that I was suspected fraud activity. The charge amount was {$2000.00}. 

It also states that at the time of this happened I was living at XXXX XXXX XXXX XXXX, GA XXXX. I have never resided at that address before, nor do I know anyone that lives at that address. 

I have been homeless 15 out of the last 16 years. I would never and have done anything like that before. Someone stole my Identity in 2016 from a XX/XX/XXXX shelter. I repeat I did not open that account with Bank of America. I'm trying to get my life back on track with the help of family and organizations. I ask that you help me navigate my way getting me out of this situation.
Product: Credit reporting

I filed a dispute with XXXX ( mailed ), XXXX ( mailed ), & Equifax ( online dispute & supporting documents were uploaded ) regarding XXXX , XXXX inaccurately reporting an OPEN collections account with a {$740.00} past due balance. The account should reflect " CLOSED, Paid collection, Zero dollar balance ''. Documentation included with my dispute : A copy of the carbon papers from my check book for XXXX checks totaling {$740.00} for the same account # they are reporting. I also included print out pages, for both checks, from my Bank Account Details page which verified the Original creditor XXXX ( XXXX XXXX Bank ) accepted Payment In Full when they cashed both checks totaling {$740.00}, for the same account number XXXX , XXXX is reporting as past due {$740.00}. 

As a result of my disputes, a comment was added to my credit file that I dispute the account but the account status was not corrected to reflect " CLOSED, Paid collection, Zero dollar balance ''. XXXX , XXXX is still falsely reporting an Open Collections account with a {$740.00} past due balance. XXXX, XXXX, & Equifax received the same aforementioned supporting documentation that I am uploading with this complaint along with a copy of my disputes with each Credit Reporting Agency. 

As a resolution, I am requesting either XXXX XXXX XXXX correctly report the account as " CLOSED, Paid collection, Zero dollar balance '' or DELETE the account. 

Note : XXXX XXXX XXXX Bank ( was Formerly known as " XXXX XXXX Bank - XXXX '' ) and currently reports as " XXXX ''.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I been trying to dispute a account with navy federal credit union for the longest because I never had an account with them the address they say they have on file that the card was sent to I havent stayed they in 6 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with XXXX  ( name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

FORTIVA MC/XXXX are reporting to the credit bureaus false information. Stating missing payments for XXXX and XXXX. This account has been closed on XX/XX/2020.
Product: Money transfer, virtual currency, or money service

Paypal violated their policy by permanently suspended all of our accounts and holding all of our funds for 180 days. XXXX was started by my family and I. It is a website that sell consumer products to pet owners. I've been successfully running online shopping businesses for 2 years, in XXXX we processed {$400000.00} of revenue through Paypal. 

In XX/XX/XXXX after 1 month of operating XXXX. All my business and personal account got permanently suspended and all of our funds are withheld for 180 days. Paypal 's explanation : " The decision to permanently limit your account was made because of circumvention of PayPal 's previous limitation and reserves. As well, your account was linked to other limited accounts by login information, phone, bank, tax identification information, and address. '' This it absurd, last year ( XX/XX/XXXX ). I was operating a store with a partner, after our business partnership ended. I created a new Paypal under the same company to start a new store. I spoke a risk analyst from Paypal and the recommended that I do this and I was approved to use Paypal to process payment. 

In XX/XX/XXXX, after submitting this complaint to XXXX, Californias DA, PayPal released funds from one of my accounts ( PROOF ATTACHED ) but still have around {$3900.00} hold on my other account. 

My request is simply - please release our funds immediately from XXXX. PayPal realized it was a mistake and released my funds on XX/XX/XXXX but still holding {$4000.00} in the XXXX account. 


Our business was approved by Paypal last year in XX/XX/XXXX. We created 2nd Paypal under the same business under Paypal 's recommendation. Our business has less than 2 % chargeback over 1000 orders. Due to this hold of {$8000.00} for 180 days we have to take out personal loans and can not pay our employees and our suppliers. Paypal violated their own policies and unfairly accused of something that was recommended by their own departments. 

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

I XXXX XXXX believes that there is no legitimate collection process for my student loans from my years at XXXX College. This college closed in 2016 as a result of multiple fraud complaints. Accordingly, I request copies of full documentation to validate if the loans were nationalized with the U. S. Department of Education, or of they are private student loans. In addition, I believe that there is a process on loan forgiveness that needs to be addressed, and my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are being violated as there are two collections against me on all credit buraus. The XXXX XXXX XXXX XXXX has no rights or authority to be posting these accounts totaling over {$14000.00} on any credit bureau. I demand to XXXX the full tract of debt ownership including but not limited to the rights to XXXX XXXX XXXX to pursue collection. In the meantime, since no such documentation proves collectability, these accounts need to be removed on every credit bureau immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX BANK was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in 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 XXXX  days before the payment due date. 

XXXX BANK never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  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: Mortgage

XXXX months after obtaining a mortgage from XXXX  XXXX, XXXX XXXXXXXX after attempting to make my monthly mortgage payment of {$1800.00} XXXX XXXXXXXX refused to accept my payment and stated that they were force placing insurance on the property which increased the mortgage to {$2.00}, XXXX because there was a discrepancy with the insurance company that the property was no longer covered with insurance, they did not allocate sufficient funds in escrow to cover insurance premium. From XXXX I spoke with XXXX XXXXXXXX on numerous occasions from the course of XXXX I paid {$14000.00} in increments to XXXX XXXXXXXX. In XXXX of XXXX I paid {$5000.00} to XXXX XXXXXXXX and as a result of the pandemic I would be able to defer my payments. The beginning of XXXX Mr. Cooper ( formerly known as Nationstar ) informed me via phone that they had taken over my loan from XXXX XXXXXXXX ( with no prior notice from XXXX XXXX ). Mr. Cooper ( fka Nationstar ) then proceeded to inform me that my loan was in forbearance and that I can continue once that period was over, they assured me that once the forbearance period was over that I would resume my payments. XX/XX/XXXX, I reached out to Mr. Cooper ( fka Nationstar ) to resume my mortgage payments at that time they informed my that they would not accept my mortgage payment and that I needed to pay {$18000.00} in arrearage at this time I retained an attorney. All the attorney did as take my retainer and did nothing. I have been in contact with Mr. Cooper ( fka Nationstar ) over 50 times over a period of two years, Mr. Cooper ( fka Nationstar ) obtained my loan without doing their due diligence and the transfer of my loan, I have bank statements reflecting my payments from XX/XX/XXXX - XX/XX/XXXX to XXXX XXXXl that were not reflected nor transferred to Mr. Cooper ( fka Nationstar ) I have sent documentation to Mr. Cooper, emails to their attorneys, the attorneys have yet to return my phone calls to date when I initiated contacted with them two months ago. My initial mortgage was {$220000.00} and as a result of Michigan Mutuals moral turpitude and misrepresentation and breach of trust I am now forced to contact the FTC that I have tried to come to a resolution with Mr. Cooper and they have violated as well. I have spoken to over 20 representatives at Mr. Cooper, five being in the Escalations Department. Mr. Cooper is now in violation of culpable negligence and breach of trust. I have been proactive in this situation and Mr. Cooper ( fka Nationstar ) has not acted in the best interest of the consumer. Mr. Cooper has issued a lispendens on my home that was currently in modification. At this point I have no other recourse but to contact the FTC, it is my hope that with the help with the FTC that this issue can be resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of specific accounts from my credit report, as I am a victim of a data breach in which my personal information was compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I respectfully request that these fraudulent accounts be permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

Comenity [ Bank ] -ULTAMATE REWARDS MASTERCARD has been paid in full for moths ; however, each month after receiving confirmation of payment, the bank rejects and returns my payment in full, charges me a late fee. Then when my bank resends the XXXX Comenity processes the XXXX but leaves the late fee and then charges me each month additional late fees. I finally closed my account after paying off these fraudulent charges 3 months in a row. Yet Comenity Bank continues to charge me late fees and once again damaged my credit score.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a data breach at ( XXXX XXXX ) that compromised my sensitive personal and financial information, resulting in inaccuracies on my credit report and fraudulent activities. This breach occurred due to ( XXXX XXXX ) s failure to implement adequate security measures, which allowed unauthorized access to my personally identifiable information ( PII ). The breach has led to errors on my credit report that ( XXXX XXXX  ) failed to properly address, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the bureau did not meet its obligations under Section 611 of the FCRA to conduct a reasonable reinvestigation of the disputed information within the required 30-day period. As a result of this breach and the unresolved inaccuracies, I have suffered financial harm, including a reduced credit score, higher interest rates, emotional distress due to identity theft concerns, and considerable inconvenience. Additionally, ( XXXX XXXX ) s actions demonstrate noncompliance with FCRA provisions, such as Section 607 ( b ), which mandates accuracy, and highlight negligence in safeguarding consumer data.