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

This CFPB complaint has been filed to request pursuant to FCRA 605 B ( 15 U.S.C. 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX, and a personal loan opened at XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO Credit Report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO Credit Report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquires as reported. The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by made. All of the aforementioned accounts, collections, and hard inquires are the result of Identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Debt collection

I am being charged XXXX as off XX/XX/2021 from an insurance agency. They are charging me this balance for a policy I never purchased or signed for. I called to resolve it and they told me it was resolved that it was there fault but now I am still being charged and sent to collections.
Product: Credit card or prepaid card

Dispute is two fold : 1. Problem with being overly charged by a Rental Car Company in XXXX. Original agreement was for car rental at {$230.00}. Rental Car Company submitted a bill for {$2100.00}. So from {$230.00} to {$2100.00}. 
2. Insurance provision of our agreement with CapitalOne is that if we use their card for travel expenses, car rental, etc., they insure the vehicle. The estimate provided by the rental company, that I initialled at the counter was {$1500.00}, however it was a plastic snap on bumper. It is not possible that that bumper cost {$1500.00}. The vehicle was returned not because of the bumper, but because it had mechanical issues ( stopped on the highway without warning, entire dash lit up and the car would not go ). It was a danger to me and my passengers. I was forced to return it to the car rental place and obtain another. I had been at a wedding in XXXX and really had not used the car that much, but once we started off to tour the country, we had all sorts of mechanical problems. It was unsafe. The Rental Car company added charges not authorized including a vehicle upgrade, transfer of fuel charges, and other misc items which were not approved by me and not proper. I disputed the charge with CapitalOne and the rental car company immediately -- it was removed as a disputed amount pending a response from the rental car company. However, without contacting me and without a response from the rental car company, CapitalOne reinstated the full charge of {$2100.00} on my account. I contacted Customer Service again who advised they me they had not heard from me so they reinstated the charge on my account. However, that was not true. Once it was cleared up that my response was submitted, but the car rental place had not responded, I was assured CapitalOne would remove the charge and reinstate it as a disputed amount. I was also assured I would not be charged additional interest on this, nor would their be a negative report on my credit. I have excellent credit. A week or so later, CapitalOne still had not removed the {$2100.00}. I called again and spoke with another representative, XXXX, employee no. XXXX who was extremely aggressive and very rude and basically declined to do anything for me. XXXX suggested that I pay the bill in full and just wait to see if we heard from the rental car company and for the insurance claim provision of the charge to be paid. This was a complete about face and not proper. To date, none of that has happened and the disputed amount is still on my account. No response from either the rental car company, nor CapitalOne 's insurance division regarding paying for the damage under the insurance provisions of my agreement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from BK OF AMER, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BK OF AMER and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BK OF AMER with no successful resolution. XXXX, XXXX, and XXXX reporting me XXXX  days late in XX/XX/2022. There was an error on their part. I was never XXXX  days late.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. I requested validation of this account in XX/XX/XXXX to no avail. I also disputed directly with them in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. I requested the documents from their files used to validate this account but all I received was an itemized billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. XXXX XXXX XXXX is blatantly disregarding the law.
Product: Student loan

I attended XXXX XXXX XXXX from XXXX. As a single mom, I qualified for a full scholarship and several grant opportunities. I took out ONE small Perkins Loan as a safety nest egg as I did not need layers of loans at the time to pay for school. I have never taken out a bank loan of any kind in my life. On XX/XX/XXXX, I received a letter signed/dated from Perkins Loan Program thanking me for paying the loan in full. One year after graduating, I began to receive notices stating that my loan grace period was over and payments would begin on a certain date. I call the loan services to get resolve but was transferred to endless departments on every call until I exhausted and gave up. The loans in question were sold multiple times over the years ending up currently with Nelnet. The small student loan that was paid has accrued to {$120000.00} of personal debt, grossly affecting my debt-to-income ratio with credit bureaus and placing me under constant financial stress. I learned there were resources available to dispute such problems with student loans. I called Nelnet to address this issue now decades old. Over the years, I've deferred the loans fearing Nelnet would garnish or attach personal assets. In XXXX, I called and got redirected to the fraud department. They were supposed to send signed documents for me to verify signature. The documents did not come. I need help getting out of the Nelnet web and getting a paid debt resolved. Please help me.
Product: Debt collection

I need a 1099 c form if XXXX XXXX wrote of the debt with the IRS. Theyre required to do so. I want the company they hired without my permission break a law and giving them my identity and information without my consent. Transworld systems INC.
Product: Credit reporting or other personal consumer reports

According to the IRS guidelines, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. To date, I have not received this form for the aforementioned account. The absence of this document suggests that the charge-off may not have been properly processed, and I believe it should be removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. As this charge-off is not accompanied by the necessary 1099-C documentation, I kindly request that you investigate this matter and remove the charge-off from my credit history. 

Please let me know if you require any further information from my side to facilitate this investigation. I appreciate your prompt attention to this matter and look forward to your timely response.
Product: Credit reporting

I receive my XXXX and XXXX scores for free through XXXX XXXX, which is great! However, I noticed when applying for credit that my Experian score was lower. The only way to get Experian score is to sign up for an account. They make you believe the cost is {$1.00}, but after you sign up, you are informed that it is $ XXXX/month and that the {$1.00} is for a 7 day trial. While you can create an account online, you can not cancel your account online. You are required to call. Initially the recording asks if you would like to speak to someone or use the automated system to cancel. After entering personal information through the automated system, they automatically convert you to a representative ( outside of the US ) that again asks personal questions, makes an offer to reduce the cost to $ XXXX/month for the service. It took 90 seconds to create an account and 9:39 minutes to cancel. No confirmation of the cancellation has been sent, although I have " been assured '' that no additional charges will appear. I feel that this is an incredible opportunistic and questionable means of a credit reporting company doing business. And now I am concerned about identity theft knowing that all of this information is sitting on servers outside of the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

just received my reinvestigation back from TransUnion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ). 


Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence. And Tracking number #
Product: Mortgage

My Mortgage originated with XXXX XXXX who mishandled my loan, and denied me a loan modification. They only allowed me a modification after the CFPB fined them for faulty practices, and me filing bankruptcy to retain my home. XXXX added excessive fees to my account, that I'm still currently paying. XXXX then sold my account to Freedom mortgage, now I'm unable to get documentation to dispute the validity of the fees associated with my account.

Freedom Mortgage took over my account I believe on XX/XX/XXXX. Since then they have improperly handled my account, and I've continually received the run around from their customer representatives. I've called numerous times regarding my Escrow account being mishandled. I've received several responses regarding when an escrow analysis is done for my state. I've been told that my analysis is done in XX/XX/XXXX, then I've been told that it is done in XX/XX/XXXX. Several times there has clearly been an overage in my Escrow account, and Freedom continually finds ways to hold on to my over payments. I've requested for my account to have an off schedule analysis done, and have been refused. Each representative telling me they will email their supervisor to perform the request, only to have no further word on the outcome. To try to offset Freedom from holding on to my much needed monies, I switched insurance providers to ensure that everything comes out at the beginning of the year. My new homeowners insurance was significantly less than what I originally was paying. I contacted Freedom again to request that they review my Escrow account in an attempt to offset overpaying into the Escrow. In addition Freedom sent me correspondence acknowledging my new insurance premium, and stated it was paid in full. The letter also requested that I submit any insurance refund that I receive from my previous insurance to them.I asked the representative why I would submit funds that I already paid for in full to them, and was unable to get an explanation. I then again asked the representative for an off schedule analysis, and she stated she could only email her supervisor. While reviewing my account I also noticed that Freedom mortgage made an additional insurance disbursement. The representative couldn't explain to who or why this was done, so she transferred me to their insurance department. After talking to the insurance department the representative stated this was to my insurance company who was reporting a change to my policy. I requested that this agent, contact my insurance company with me on the phone. I never spoke with my insurance company as she promised, but was told that the amount was supposed to be a credit to me. After hearing this I asked the agent why Freedom would disburse monies from my account without verifying the reasons, especially when this was a credit to me. All I received was a " sorry '' and that she was placing a stop payment on the disbursement check. I'm very concerned with the handling/mishandling of my account and the lack of accountability and transparency being demonstrated by this company. If I was capable I would refinance, just to get away from this company.
Product: Consumer Loan

I believe I am the victim of a wrongful auto repossession. I had difficulty paying my auto loan, NOT because of inability to pay, but because of problems with the bank 's bill payment system. I was told this would be resolved, but it was not over several months. I received only the first paper bill ; subsequent electronic bills were emailed, but the embedded links did not work. I was not able to pay the bill online, or at local banking centers. My car was taken from my driveway in the early hours on XXXX XXXX, though I gave up keys willingly. I did not receive any notice of default, nor of repossession. I have since paid the payoff balance for the loan ; however due to excessive storage fees, I have been unable to retrieve the car. I have exhausted funds to rent a car and plan to file for replevin and money damages as quickly as possible. Additionally, I would like to lodge a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Mr XXXX today at XXXX. Inquired about medical bill and date. Informed him he put incorrect information on my credit report. I never received a call or letter from him or his company in regards to bill. He was very condescending due to his balance being XXXX and mine being XXXX. The company had already been paid by my insurance. When informed that this was fraud he stated " as if I gon na risk my company for {$35.00} '' He just may depending on how many people he over charges. I have a copy of the bill and will attach
Product: Debt collection

On XXXX XXXX somebody opened up a affrim account with my information for {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My students loans that are listed under XXXX are reporting missed payments. Please remove ALL missed payment listed for every XXXX account that I have on my credit report. These late payments were due to billing error, and according to usc15 1666b these late payments must be remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX then a week ago today I was on the EQUIFAX credit reporting agencies website trying to discover legal paths to remove negative accounts off of my credit report that I have no knowledge of. While on the EQUIFAX site I see a article about a XXXX  data breach of EQUIFAX. I had a paid membership with EQUIFAX around that time and so after reading the article I placed my information into the database to see if my information was compromised. The results came back that my information was compromised in the breach. I have no knowledge that the information in the breach was or is the reason why accounts and hard inquiries continue to show up on my reports that I have no knowledge of. I also have no proof that that's not how the new accounts and hard inquires are finding there way onto my credit reports. It can be proven however that I had no knowledge of the data breach and that EQUIFAX credit reporting agency has not given me any kind of notice about the breach. I have been trying to defeat negative items off of the report with all three credit reporting agencies including EQUIFAX. 

HOW HAS THIS NEGATIVELY EFFECTED ME? 
This has not only effected me it has completely crippled me to the point of homelessness and I strongly feel I deserve some sort of good will provision. 
I'm XXXX XXXX XXXX independent and struggling to stay afloat in a deep pool of inflation caused by the XXXX and some really XXXX policies the people in power continue to force upon me, I, we, us, the people of the United States of America. 
I work the XXXX  economy and a XXXX  is the most important tool in my life. XXXX months ago my XXXX  decided to never start again. After spending what little savings that I had on parts to repair the XXXX, I had no other chioce but to walk away. My thoughts where that i had XXXX mor shot at getting back to work. XXXX  financing! But that idea was blown into to many directions to investigate. But now things are beginning surface and it's a matter of time before the bigger picture tells us everything. Had I would of known about the data breach I could of taken steps to prevent bad things from happining. I could of used services awarded in the class action lawsuit against EQUIFAX to prevent this sort of thing from ever happening. The XXXX thing that a judge ridiculed EQUIFAX for doing in the judgement against them was keeping quite about the breach and not telling the consumers about it. And that's exactly why I could be experiencing such hardship. Equifax refuses to remove the negative items that are not mine from my credit reports as well! THIS IS A VERY BROKEN SYSTEM!
Product: Checking or savings account

Capital One is not depositing direct deposit funds into accounts. They stated it was because of a third party issue but that was resolved already and still nothing. 
They didnt communicate until long after the problem started and are still barely communicating. 
They also closed down for the holiday weekend while this issue remains unresolved. The timeframe they anticipated this to be fixed is long past and STILL no updates or communication of any sort.
Product: Money transfer, virtual currency, or money service

I was lead to believe that I was going to create my own landscaping business with a business that was being advertised on XXXX called " XXXX in XXXX. '' The people I spoke to made it seem realistic with all the information they spoke and the forms they asked for, they even walked me through the process for filing these forms that included sensitive information about my person. 
Throughout XX/XX/XXXX XXXX XXXX they asked for my social security number, my address and about {$5000.00} in checks to be sent to them for liability/disability insurance for my " company. '' In three different amounts that added up to the {$5000.00}, I sent the checks from 3 bank branches ( Chase, XXXX XXXX, and XXXX  XXXX XXXX ) to these people that where promising my XXXX  business. Once the money was sent and the business partners received it, they were no where to be found in regards to cell phone calls, text messages, and in person interactions. I never had a chance to see these people face to face or XXXX, it was always through phone call or message before they stole my money. 
Immediately I frantically called all three banks to tell them what has happened and if they could help me but none of them did. I bank with Chase and they either never answer or deny to help. XXXX XXXX says since I am not a XXXX XXXX banker, there is nothing they can do to help me either, the same goes for the response XXXX XXXX XXXX. After many attempts of trying to get their help, they show no interest for my situation and how they sound through the phone is even worse.
Product: Money transfer, virtual currency, or money service

On Wed XX/XX/2020 XXXX XXXX, an unauthorized Western Union payment transfer was made from my account and using my personal bank account information to transfer an amount of XXXX USD to a person I do not know. This is the information that I received in an email : Receiver Name : XXXX XXXX City : XXXX Country : XXXX ZIP:XXXX XXXX, XXXX At XXXX I received an email notification that the payment was successfully and that alerted me to this unrecognized activity. 
At XXXX another transfer payment was attempted ( WU tracking number ( MTCN ) is : XXXX ) for an amount of $ XXXXUSD to a recipient that I do not know either : XXXX XXXX Address : XXXX XXXX City : XXXX  ZIP:XXXX Country : XXXX Mobile NumberXXXX Expected Foreign Country Payout Location : XXXX, XXXX Western Union Customer service called me, and I confirmed that I did not authorize any transactions on that day. 
Western Union provided me with a case number : ( XXXX ) I also contacted my bank ( XXXX ) and they put an alert on my account. I am in the process of disputing that charge but the bank is not willing to confirm the dispute at the moment. 
Please advise what is the best next step of action that I should take to resolve this issue. Thank you, XXXX XXXX tel ( XXXX  ) -XXXX-XXXX