23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802. 

Possible Financial Inc Acct XXXX XXXX XXXX XXXX XXXX To whom It may Concern. I'm reaching out because XXXX XXXX XXXX is helping Possible Financial Inc by putting incorrect information relating to my credit report. The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. According to USC1681s-2 ( Possible Finance Inc Acct XXXX, XXXX, XXXX, XXXX ) as a provider of information to a credit reporting agency, it is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report. Thank You
Product: Credit card

On XX/XX/XXXX, while traveling in XXXX, XXXX my wallet was stolen while on the subway. When I returned to my hotel I called and reported my cards stolen and cancelled my accounts with XXXX XXXX  XXXX  and Barclays Aviator American Airlines AAdvantage. At this time the thieves had already made XXXX charges which when questioned I told the phone representative from Barclays I had not made and they said they would remove these charges and a new was card was issued. 
When I returned home by XX/XX/XXXX and checked by account the fraudulent charges did not appear on my statement. However later XX/XX/XXXX I was sent a letter from Barclays stating that they had conducted an investigation and the charges would be returned to by bill. Subsequently, the XXXX charges : XX/XX/XXXX XXXX XXXX XXXX for {$1700.00} and XX/XX/XXXX XXXX XXXX XXXX for {$1400.00} re-appeared on my account. 
I spoke at length with Barclays XX/XX/XXXX and was under the impression that a new investigation was being opened. I also called back again later in XXXX and was told I had to wait 30 days. 
I reported both transactions as fraud on my online account. I also sent a number of messages on my online account and received similar information. 
Today, XX/XX/XXXX, I again called and was told no new investigation had been started in XXXX, and that they would start a new one today with the # XXXX and this may take another 30 days to complete. 
At this time I am reaching out to you for assistance, as I strongly feel that I should not have to pay these fradulent charges and am frustrated with Barclays handling of this entire matter, as well as charging my account interest on these charges. 
Look forward to hearing from you
Product: Debt collection

I continue to have issues with Synchrony Bank because their website to make payments on will not connect my credit card to their system to pay my bills on time. They also continue to charge me late fees when their website does not work. These late payments are not my fault ; online payment issues cause them, and I should not have to pay a late fee because their system is not working.
Product: Credit reporting or other personal consumer reports

I reached out to the three credit reporting agencies via mail with copies of my written letter at the end of XXXX XXXX I received no response from any of them in regards to opting out. 
According to the Family Educational Rights and Privacy Act of 1974 it protects me from my school records becoming public. 20 usc ( 1232g ( b ). In my particular case all three credit reporting agencies and the loan company ( XXXX ) are in direct violation of the act. 
XXXX, XXXX, Experian, and XXXX are in direct violation of 15 usc 1681b permissible purposes of consumer reports. Not one of these companies asked for my consent before furnishing these reports.

Also, in violation of 12CFR 1022.3 for identity theft. This was directly added to my report again without my consent. This is reported every month and it has been going on since XXXX XXXX XXXX which means it has been XXXX months.
Product: Checking or savings account

Fraudulent use of debit card that we still had in our possession through XXXX. 

They refused to refund and claimed that it was a valid purchase and claimed that the products were sent to our home which they have absolutely no proof of. 

XXXX even confirmed that it was fraudulent. Wells Fargo essentially manufactured a false reason to deny the claim.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX. XXXX - XXXX 2. XXXX  XXXX - XXXX 3. XXXX XXXX XXXXXXXX - XXXX 4. XXXX XXXX XXXX  XXXX 5. XXXX XXXX - XXXX 6. XXXX XXXX - XXXX 7. XXXX XXXX - XXXX 8. XXXX XXXX - XXXX 9. XXXX XXXX XXXXXXXX - XXXX 10. XXXX - XXXX 11. JXXXX XXXX - XXXX XXXX. XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I was built for an electric bill after I no longer lived in a home. I had declared XXXX  and moved out of the home prior to the amount in which the electric company had charged me. I partially resolved the issue with them yet. They still stated I owed money after I was no longer living in the premises because they believe I did not call and cancel my service though I did. After several years they agreed to drop that charge and I have proof of owing XXXX. They had hired a debt collection agency prior to that agreement and that date collection was never called off. I have not lived in the home for XXXX  years now I hired a lawyer at one point who had it removed from my credit but then it was sold to another company shortly after and on my credit again. I tried to dispute this with XXXX but it was during a time where they were short staffed due to covid and it wasnt investigated properly. I tried to have it investigated recently but they just used the prior determination instead of looking at it again. Between the time span of being 10 years and the lack of evidence that I actually owe that bill, I believe that this collection should be taken off of my record. ( please see the timeframe that I moved into my current home on my credit report as proof as to how long this claim of a debt has been going on )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XXXX XXXX, I filed a dispute with Experian, XXXX and XXXX in regard to inaccurate information on my consumer report. On both occasions, I never received any correspondence from either agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect personal information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, I started a Identity theft claim and all fraudulent activities were removed. aout 6 months later a creditor put the debt back on my credit profile. I called the creditor on XX/XX/XXXX and immediately disputed it. I spoke to XXXX XXXX Collections Specialist at XXXX XXXX and was advised to send Identity theft report to her and I did on XX/XX/XXXX. They Acknowledge receiving it on XX/XX/XXXX and It is now XX/XX/XXXX and I haven't received a resolution. I told Ms. XXXX that XXXX XXXX XXXX were involved in Fraudulent Activities and they should look with-in XXXX. I contacted Experian Credit Bureau Fraud Department and was advised to send them the Identity theft paperwork and I did. No one in XXXX will contact me, Experian Credit Bureau will not remove this fraudulent item from my credit report that is derogatory {$83000.00} charge off. XXXX is billing someone else name under my social security number and I have sent all the information that is reequired. My latest call was to Experian Customer service Fraud department. Spoke to XXXX and said there is nothing she can do. just keep disputing it. That doesn't help. Its currently negatively affecting my credit. As I have mentioned to Experian Several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Act # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Bank account or service

This complaint concerns the ability of consumers to reach, communicate and deal with, the department in the Bank that handles IRA accounts. My daughter had an IRA account at OneWest Bank in XXXX XXXX, California. She passed away, and I am her heir, and the court-appointed " personal representative '' of her estate with Letters of Appointment from the Court. My regular banker who handles deposit accounts at OneWest tried to get the IRA section 's attention to deal with my daughter 's XXXX. They essentially blew him off, never sent me any email or called me. I tried to call the XXXX section of the bank and was told I could not speak with anyone if I did not have my daughter 's XXXX account number. Apparently, the XXXX section is completely insulated from customers and will not talk to customers or court-appointed administrators. If that section of the bank is unresponsive to the retail section of the bank and will not speak with me, how do I make a claim or get the money from my daughter 's XXXX account? Beyond that, there seems to be a marketing violation of the California unfair competition laws in that the separation of the XXXX section from the rest of the bank and that section 's refusal to deal with the public is not clearly or adequately disclosed. They want to market and sell XXXX but not service them. That is XXXX service and not disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

This complaint is in reference to previous complaint : [ Case number : XXXX ]. 
Citibank has address my dispute in a capricious manner. After submitting a dispute for XXXX charges fraudulently submitted on my credit card, Citibank has only XXXX of my disputes. Although was told that I would be notified my mail I was notified only by web notification and given only 10 days for my reply. XXXX of their documents had no option for describing the circumstances of my dispute.
Product: Mortgage

reached out to PennyMac regarding a loan modification.I wanted to be pro active while account is current as they recommended, i uploaded all documents in a timely manner including the reasons of rising expenses college for children, ( XXXX  ) increase in mortgage payment due to property taxes increasing escrow and escrow shortgages medical payments and this PMI which stays on even though under 80 % LTV. my point of contact was XXXX XXXX but we dealt with XXXX XXXX .The modification was denied /XXXX XXXX cited no imminent danger of default.? She cited FHA works off the gross pay. when calculating modification.What is problematic is pennymac can obviosly see as we described in borrower situation thats premised with supporting a family of XXXX  on XXXX XXXX net! Also whats troublesome is that XXXX XXXX stated FHA works off borrower gross pay which as a state employee with massive mandatory state deductiions which leaves a greater disparity between gross and net is prejudicial to a state employee.For instance maybe my net pay looks ok on paper but how many private sector employees single wage earner family of XXXX takes out close to {$8000.00} ALONE just in retirement contribution alone.! there must be and exception or or my special circumstance should be strongly considered and request escalated for assistance.Also i am not witholding enough federal my accountant says which will leave me around {$3600.00} net per month to support a family of XXXX  .predicated with a XXXX mortgage payment which is way of 40 % DEBT TO INCOME! iN CLOSIN borrower has presented a defense and back it up with plausible reasoning with the facts on why my loan should be modified.i will not stop here.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID Type : Drivers License ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XX/XX/ Formal Dispute of Incorrect Account Information To Whom It May Concern, I am writing to formally dispute the following accounts that appear in my file with Early Warning Services , LLC. I have NEVER opened, authorized, or used the accounts listed below, and I believe this information is incorrect and potentially fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 confirm receipt of this letter and keep me informed of the status of your investigation. I expect a response within the time frame mandated by law, and I appreciate your prompt attention to this urgent matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I financed a car through Toyota financial services, a bad mistake. They make you jump through hoops just to get approved. I usually go through my credit union and will do so from now on. Unfortunately I was T-boned in an intersection and my vehicle was declared a total loss on XX/XX/21 with the check being sent out that week. It is now XX/XX/21 and they STILL haven't updated their records to show that there is a total loss payoff. Yes, they still took my payment for the month it was due. They refunded me the payment for the next month but they have yet to show the car was paid off. I reached out to them 3 times about this. When I am late on my payment I am penalized with a late fee right? Toyota Financial Services should have the same burden of obligation to ensure their processes are working and not taking customers money for non existing loans!
Product: Checking or savings account

On XX/XX/24 I received my wig purchase from XXXX XXXX. Upon arrival I seen that the wig was not the correct length, it had spaces in it near the cap, had really bad shedding and a terrible odor. I contacted XXXXXXXX XXXX  to let them know my concerns and they refused my refund, instead they offered hair care advice and a coupon. On their website it states I am supposed to get a refund if dissatisfied with their product or if their product was faulty within 15 days or receiving. I disputed the purchase with wells fargo on XX/XX/24. They sent me a letter on XX/XX/24 asking for more information, I then called and told the representative more information over the phone. I then got a letter XX/XX/24 stating due to me not giving any extra information they are reversing my credit. I called immediately and told the representative that I did give more information and I am confused on why I am being sent this letter. She told me not to worry and to email them immediately the information I had, so I did. I then get a letter stating they are reversing my credit on XX/XX/24 due to not having enough information. Even after I did give them more information, thats totally unfair to me and now its way past the time to return the wig to XXXXXXXX XXXX. They expect me to pay for that and when I tried to re open my claim, they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing I have a charge off with them for Experian and XXXX only. This is inaccurate and they have not provided validation for the account below. I am requesting that this account be deleted from credit report. 

I need to refile this complaint about Experian. In my own words, Experian has not responded, they have not provided dispute results, they have not conducted an actual investigation, AND they refuse to remove this inaccurate account. Let me also mention they I have sent them multiple pages of my identification requesting that Experian remove inaccurate names and addresses. That was not done. I supplied documents from the creditors and everything. This makes no sense. I've done a lot of research online and I know this is not how disputes are supposed to go. 

Thank you so much, XXXX XXXX
Product: Debt collection

This company that I don't have no idea who's and where I have that debt
Product: Mortgage

My mortgage was transferred to Mr. Cooper in XX/XX/XXXX and I received a " Welcome Letter '' that stated my monthly payment would be {$1200.00}. Then starting in XX/XX/XXXX without any explanation they raised my monthly payment to more than {$1300.00} per month. I inquired with the company multiple times via phone and never received a satisfactory answer. On multiple occasions the " customer service '' rep would simply hang up on me as they " did some research '' to figure out what happened. The price increase has occurred on the escrow portion of the bill but they will not explain to me whether its my taxes ( XXXX XXXX XXXX XXXX so not likely ) or the insurance. I have asked to have my account changed to a non-impounded account so that I could pay the insurance and taxes myself but they have denied my request. They send me complicated bills with lots of charges and " unapplied funds '' and now they are saying my monthly payment is now more than {$1400.00}. I have never been so frustrated with a company. Meanwhile, my XXXX mom lives in the home that is affected by this mortgage and she is worried about losing the home because the company CONSTANTLY sends letters saying we are behind the on the mortgage, etc. I really feel like are trying to take advantage of homeowners to extract extra fees. I saw that there was a CFPB judgement against them in XXXX for this exact type of behavior ( Docket Number XXXX ) and I believe they are still doing it. Please help me put an end to this. I'm happy to pay my mortgage in full and on time but I am worn out with their terrible behavior. This is not how it should be in America and I'm looking for your help.
Product: Credit card

Hello, I am writing to express my concern regarding Barclays Mastercard and an unjustified late fee charge on my account. I recently noticed that a late fee was applied, despite my payment either not being late or being scheduled to process on the due date. This has happened more than once and I have to call and complain to have the fee reversed. 

To clarify, I had scheduled my payment for XX/XX/year> in accordance with the stated due date policy. Despite this, a late fee of {$29.00} was charged to my account. I have always made an effort to ensure my payments are timely and within the required timeframe. I called Barclays Mastercard and spoke with a rep and expressed how dishonest this is and why this happens. I was given a reason that made no sense that the fee gets added but then dropped after the payment post. I explained today is the due date and the payment in fact is already scheduled prior to any cut off time frame so the late fee is dishonest and unjust. The fee was removed but I should not have to call and do this monthly when I make on time payments. I now feel I have to comb through this account to ensure I have not been charged fees unjustly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. These hard inquiries were placed on my credit report without my written authorization.