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

I received a call on XXXX XXXX, phone was XXXX, the woman said she was from Capital One asking about a credit card issued to me number ending in XXXX. I told her I never had a Capital One credit card and have never applied for one. She told be she was directing me to the Fraud Dept. That woman said that my social security number was used to open this account and that the person had maxed out a debt of {$45000.00}. She said the card was issued on XX/XX/2022 to someone in New Jersey. She wanted my address and birth date and said that I would be hearing from Capital One in 6 months. Well, a week later, I get two letters, one stating that that the investigation was over and I was responsible for the amount due. The other letter dated the same date, XXXX. XXXX XXXX, was an Identity Fraud Information Form. It wanted me to send a copy, front and back, of my social security card and my drivers license. It was to be sent to XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  This was regarding Account Number ending in XXXX, XXXX XXXX : XXXX. Only this time the charges were for {$38000.00}. I took these letters to XXXXXXXX XXXX where I have an account and they thought this was a scam. The numbers they gave me to call did not match up with numbers on the Capital One web site. Also, envelope address was not the same as letterhead address. Envelopes were XXXX XXXX XXXX XXXX XXXX XXXX, letterhead was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have also been getting Text 's almost every day about unpaid balance on my credit card They said I have missed XXXX payments on XXXX XXXX XXXX and I should get in touch with https : //capital.oneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penal ty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Mortgage

On XX/XX/XXXX I was told I was not able to close on a house. I spoke with this loan bank and underwriter numerous times and questioned the garuntee of the deal if paid off items on my credit report thus these specific items were taken care of an the conversation is in emails an text message between I am the lender can provide when requested I then reached out to the same group of lenders and underwriter about truth in lending upholding my end of the deal and they upholding there end of the deal as they would not admit but its factual my XXXX has denied me the opportunity. The realtor then conference call us all an asked why professional individuals will practice discrimination the day of closing moreover ; the lender an underwriter became speechless and we decided to file a complaint I will like to submit all text messages and emails to show an prove the XXXX I experienced by the morage company an the underwriter and the bank, in XXXX New York there is a XXXX gap on the housing market reported by one of the news agencies and the federal government census data also proves the XXXX in the lending/housing market for XXXX Americans In addition I was told by the party involved not to obtain a higher pay career as we needed to close the deal before doing so thus I can provide the offer letters from these employers and my termination letters This XXXX has also affected my childrens living conditions an custody case I can not attach all the emails of the correspondence but am able to forward them to a secure email address to to further this complaint along
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX purchased my private information from Capital One Bank XXXX XXXX XXXX is allegedly claiming that I owe them {$1500.00}. I do not owe this company nor do I have a contract with them for anything. Both XXXX XXXX and Capital One Bank are in violation of consumer code 18 usc 1028a aggravated identity theft and 15 usc 1681.
Product: Checking or savings account

Excessive overdraft fees. I was in t e hospital and was not able to deposit money into my checking account and received over {$310.00} in overdraft fees. They will not refund any of them. the of the items that posted were {$15.00} and they charged me a {$35.00} overdraft fee. Please help
Product: Credit reporting or other personal consumer reports

Per federal dictates and appropriate state rules, no business presence can report arrant record ( s ) if they deviate from : Ethicalness, Truth, Fairness, Accuracy, Adequate completeness, Necessary timeliness, Verifiability, Validity, and/or Certifiable compliance with reporting laws otherwise.

Particularly egregious infractions occur when : Reporter ( s ) and/or any gathering repository ( ies ) act willfully NON-COMPLIANTLY, Engage in negligent disregard, or Exhibit reckless abandon related to credit reporting expectations and behaviors.

Failure to confirm adherence to established credit reporting standards does NOT necessarily mean that factually erroneous or incomplete postulations should be allowed to : Report injuriously and unjustly against a consumer. 
However, it is indisputable that the intended nature of industry standards is to ensure participants behave in a manner consistent with lawful exigencies. 

For instance, the CDIAs own CRRG manual outlines the requirements for displaying consumer data using the Metro 2 Data-filled Field Formatted reporting standard ( s ).

Deviation from these standards results in : Discrediting the integrity and honesty of reporting, and Creating a foundation of potential injury for consumers whose files lack staunchness of truth ( s ).

For this and other reasons, I pray that you : React immediately to : Abolish this currently inadequately reported allegation ( s ) due to : Reporter failure to meet the privilege to report, or Lack of demonstrated adherence to certifiable reporting procedures and standards.

Provide documented evidence to confirm that : All reporting processes are factual, Reporting procedures, prices, and standards adhere to federal and state statutes, and They remain in full congruence with these legal requirements.
Product: Debt collection

On my credit report, there are 2 different amounts reported for the exact same account. I do not owe that amount of debt for a previously charged off account Synovus is trying to harm my credit report erroneously in order to harass me and make me pay more money than I owe by placing inaccurate account son my report. I have tried multiple times to dispute this with them and request proof of the debts but they have failed to provide me with any proof. The original account is being reported under # XXXX. Since I have began disputing the account, they have created the account # XXXX to add additional debt and history.
Product: Bank account or service

Promotional incentive promised {$200.00} " reward '' withing 14 days of opening a Huntington XXXX checking account and depositing {$1000.00} within 60 days. I deposited {$1500.00} on XXXX XXXX. On XXXX XXXX I received a {$150.00} reward, which is {$50.00} less than their advertisement stated. I called their customer support line and was told the offer that was applied was correct, and offered no explanation for the {$50.00} discrepancy or a resolution. 


This is a " bait-and-switch '' tactic designed to trick customers into changing banks while saving themselves some money with a reduced reward.
Product: Checking or savings account

The amount of {$3400.00} was deposited by the State of AZ XXXX  to my XXXX XXXX  These funds were partially spent from this deposit out my account, which left a final account balance of {$1200.00}. 
XXXX XXXX  closed my account down, then for some reason sent the amount of {$1200.00} to the State of AZ XXXX. This Missing check from 2 years ago that was never received, I am still having issue thats been going on for months with the AZ DEPARTMENT of XXXX and XXXXXXXX XXXX about a check that was mailed from XXXX XXXX from my account being closed. They have no information on the a last check that was sent. I need more information on this check as it was never received back into my account. Never mailed to me. As the check did get mailed to AZ XXXX I have been having problems for 2 years about a check that was issued to them to me due to my bank account being shut down. How can I get this check mailed to ME? The AZ XXXX and XXXX has been giving me the run around for two years now going on three.
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 information, account or item 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 accounts or information which is 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.

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, AMEX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : TransUnion : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from TransUnion that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Portfolio recovery at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX is listing amt of XXXX in collection written off with all credit agencies. I never received a1099c according to IRS regulations XXXX XXXX over XXXX dollars a 1099c is required so I can pay the taxes. Income isnt reported on credit reports. This is inaccurate info on my credit report and violation of privacy act.
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased a car from XXXX XXXX, XXXX XXXX, CA on XX/XX/XXXX. We paid cash for the vehicle and made it clear to the dealership at all times that it was our intention to pay cash. The dealership refused to take cash without getting a credit score. I provided them with my drivers license and SSN so that they could verify my credit score. Instead they ran a hard inquiry for a loan. This inquiry will remain on my credit report for two years. I spoke with XXXX in Sales at XXXX XXXX who said it was company policy to run the credit inquiry as a loan request even if no loan were needed. 

I asked him to correct the info to reflect that we did not request a loan. He refused. 

I called back and asked to speak to someone in the finance dept. I was told that there was no one else who could address my concern. 

While the dealership is certainly within its rights to protect itself, it is deceptive to put info into the system that we applied for a loan and to have it remain in the system for two years when that information is false. 

I would like the dealership to correct the misinformation that it put on my credit report.
Product: Debt collection

Daily phone calls/message about unknown collection. Garbled message, does not ans2er return calls. Very common robocall, even uses your name. Many have the same experience from XXXX. Aparantly originates from check cashing at casinos.
Product: Checking or savings account

On XX/XX/XXXX at XXXX, XXXX XXXX , with XXXX XXXX XXXX XXXX DBA XXXX Help Centers, reached out to me via text about a Loan Forgiveness Program to dismiss my loans. He stated the process would take at least 90 days, my credit score would go back up and reflect an improvement by the end of the 90 days. 

To enroll in the program, I was told I had to make three payments of {$290.00} for XXXX, XXXX & XX/XX/XXXX. So, I authorized 3 payments from my Wells Fargo Account ending in # XXXX for XXXX, XXXX & XXXX with Wells Fargo on XX/XX/XXXX. After the first payment, I noticed I was continuing to receive notices from my current student debt company that I was paying, XXXX XXXX. I was told to discontinue paying XXXX XXXX while payment was being paid XXXX Help Center, since they would be buying out my debt and I would be in their program by the end of XXXX. During this time, i was supposed to renew my payment contract with XXXX XXXX but because I was under the impression that I XXXX would buy my debt, I contacted Wells Fargo and discontinued my automatic withdrawals with XXXX XXXX. 

During the 3 months of withdrawals, none of what XXXX said about my FICO scores occurred. In actuality, it seemed my FICO continued to decrease and I continued to receive late payment notices from my current loan servicing company as well. 

After the last payment was made on XX/XX/XXXX at XXXX, XXXX reached out via phone and advised me to be on the lookout for my Finalization Packet from my case manager. He said it would arrive within 7-10 business days. 

When the packet never arrived, it totally slipped my mind to check on the status. So, on XX/XX/XXXX at XXXX, XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX, I attempted to contact XXXX XXXX via text letting him know I hadnt received any paperwork but to no avail. After not receiving replies for texts, i called the number I was given. The number was disconnected. 

I then emailed XXXX and the emails started bouncing back. 

On XX/XX/XXXX, XXXX attempted to deduct more money from my account. So, I contacted Wells Fargo and told them of the scam and the company was illegally withdrawing money from my account. I provided all of the contact information I was given. I was advised to go to the police and file a report. My old account was closed and a new account was opened to thwart further deductions. I was told no new deductions would occur after my account transitioned. 

So, I went to XXXX Police Department and opened a report for the scam. I provided all of the contact information I had regarding the incident. 

XXXX attempted to deduct more money from my account and Wells Fargo allowed them to even though I had already reported the scam to both them and the police. When Wells Fargo finally started blocking the deductions, XXXX changed the amount they were tying to steal from {$290.00} to {$100.00}. They attempted to deduct {$100.00} several times from my account even after I reported fraud to Wells Fargo and the police.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX received an alert from XXXX that there was a hard enquiry on my credit report. It stated that the status was reported by Equifax and the institution name as XXXX XXXX and phone XXXX. Submitted a inquiry with Equifax on XX/XX/XXXX reporting that the hard enquiry is incorrect since I didn't apply for any new card or loan with XXXX XXXX. Equifax closed the request with message " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EQUIFAX '' Called XXXX XXXX at XXXX and they confirmed that the couldn't find any account using my SSN, phone #, first/last name and address/zip code. 

Unable to reach Equifax via phone XXXX. Equifax report states that there was a hard enquiry on XX/XX/XXXX by XXXX XXXX which is not correct. 

Would like help/support from XXXX to dispute this so that hard enquiry can be removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

call to speak with a representative regarding inaccurate information on my report and I was treated like an animal, I was placed on hold for  20 min or more and when some one did answer I was hung up on. there is information on my report that i feel is wrong, there is no account numbers, no payment history and it is still stating that the account is open and they appear to continue updating this information with a balance of {$710.00} I do not owe money to   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX
Product: Credit card or prepaid card

Early in XXXX, 2017 US Bank sent a letter stating I contacted US bank to convert my XXXX XXXX card to a new type XXXX XXXX  card. I never contacted us bank to convert my card. In fact I did not have a XXXX XXXX card with us bank. They explained that in fact they converted my US Bank Visa card to a new XXXX XXXX XXXX card with out my permission.
I believe at the least the company committed fraud, lied about me contacting us bank, and issued a XXXX XXXX card without my permission.
I understand from us bank customer service, that they did this to many customers, that had not used the visa card for some time to get them to use a new XXXX XXXX card. This could number into the thousands they frauded I have attached documents to complaint