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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX WY XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. We had a home mortgage with SLS as the servicer. No notice was filed with the bankruptcy court pursuant to XXXX indicating that there was any money owed on our second mortgage with SLS. No notices were filed in the entire case that indicated any fees were due. After requesting our payment history I found out that fees were charged on my account ostensibly related to the bankruptcy on XXXX XXXX, XXXX and XXXX XXXX, XXXX more than a month after our discharge. Neither fee was ever disclosed to us and we only learned of it when it showed up on our bill. This appears to be an improper collection of fees without providing the required notice.under the law.
Product: Mortgage

Bank of America told CFPB they will response to them, but not put it on their website. They said we would get a letter by mail. Our letter by mail never came. They did send XXXX XXXX a cryptic email stating they have no intentions of changing any of there records, because there records are correct and there will be no monetary damages or anything else. I am asking CFPB to assist in helping with this FRAUD Bank of America is doing with this Loan. This was a refinance. We built the house in XXXX with an unfinished bonus room. In XXXX we refinance and got {$10000.00} XXXX to finish that room. 
This is the only time we touch this Loan. Can CFPB investigate this Case. Can they make HUD do their job. This is a FHA. HUD dismiss the Case stating It '' Appears '' to be FRAUD. But, they don't do FRAUD! What nonsense is this? This is a Federal Crime!! When they answer to the complaint, they lie
Product: Mortgage

I had a mortgage with Wells Fargo in XXXX and sold the home in XXXX. I would like to apply for settlement funds for any improper denials/ transactions/use of funds related to my mortgage. Thank you
Product: Credit card or prepaid card

Extortion and forced to pay for purchase never made and a 2nd attempt was made on this card, Thanks to me it was stopped ( Capital One had no clue ) and then determined FRAUD. But, 1st attempt of FRAUD goes without Criminal justice and victim forced to pay for something never purchased. 
Card was cut up into pieces and mailed to " Capital One '' headquarters in Utah. 
Racketeering still continues forcing me to pay {$4.00} monthly fee for card that does not exist. 
Months and Months pass and Prejudice and hatred continue. 
Ever since their system was " HACKED '' I have had NOTHING BUT FALSE CHARGES. Too many new cards to list Thanks to this companies failure to conduct business in a legitimate manner by Laws established in the USA. 
This company only cares about 1 thing, MONEY, and the customer gets XXXX  in the end. This is why after 15 YEARS with CAPITAL ONE enough is enough. CAPITAL ONE IS CRIMINALS, tired of being XXXX.
Product: Credit card or prepaid card

I purchased a router from XXXX XXXX on XX/XX/2023 that was supposed to come with a 30 day free service. On XX/XX/2023 XXXX charged me {$110.00} for one month of internet service when my router was delivered. The service was not good so on XX/XX/2023 I contacted XXXX to cancel my service and return my router. I was assured by XXXX that I would get a full refund for the router and the internet service. 
I returned my equipment on XX/XX/2023 and it was received by XXXX on XX/XX/2023 via certified mail with signature required. On XX/XX/2023 I was charged {$110.00} for another months internet service- even though I had already cancelled my service on XX/XX/2023. I disputed the charge with my credit card company Chime XXXX XXXX, I also notified XXXX that the charge should not have been made as my service was already cancelled. On XX/XX/2023 I received an email from XXXX stating that they were refunding the charges for the router and the monthly charges. On XX/XX/2023 a credit for {$110.00} for the XXXX charge was issued on my Chime XXXX XXXX card. XXXX said on XX/XX/2023 at XXXX that they could not refund the XXXX charges because it was disputed by my bank. Chime says everything was refunded by XXXX on XX/XX/2023 in the amount of {$110.00}. No matter what I say or try to explain to either company, even with all of the conversations and invoices I have, neither company wants to give me back the {$110.00} from the XXXX invoice.
Product: Debt collection

I have asked in writing and repeated phone calls for Debt recovery solution to send me any and all signed documentation of any business that I have with them. I have not received any such documents to this day. I have NEVER done any business with debt recovery solutions, I do not know of any documentation with my signature of any business that I have with debt recovery solution. Debt recovery solution continues to report on my credit an open account with a balance of {$150.00}, with their disgusting business practices reporting this on my credit report is causing me emotional and financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$12000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX, XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX XXXX, XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE CREDIT INQUIRIES WERE NOT AUTHORIZED BY ME.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA and the credit agencies XXXX and XXXX are reporting several incorrect things like the Date of Last activity with diffferent dates from different years. They are also reporting the opening the date as different dates. Even the account numbers are reporting two different account numbers.
Product: Debt collection

XXXX XXXX was paid 2013 and still on my credit report I need this off my credit report.
Product: Credit reporting or other personal consumer reports

The late payments reflected here do not accurately represent my regular payment behavior.
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. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/20 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a text from Chase saying a new recipient I did not know was added to my contacts. {$400.00} was taken from my Chase checkings account through an unauthorized XXXX transaction. 

That same day, XX/XX/XXXX, I receive a text from a completely different phone number not associated with the XXXX account they have received the {$400.00} and that I have to send them {$550.00} more as a " deposit '' to " resolve '' the issue and get " keys ''. I did not respond as I was trying to call my bank at the time. 

On XX/XX/XXXX, I called Chase support and was placed on hold for almost two hours over three call attempts. On the third attempt, an agent explained that I'd have to call the fraud line the next day because when I was taken off hold the department was closed for the day. 

On XX/XX/XXXX, I called the Chase fraud department. An automated voice told me the department was closed. I call Chase general support to clarify this was informed that the fraud department is closed on Sundays. I was then told to call again when they open at XXXX the next day. 

In the evening of XX/XX/XXXX, I asked for the {$400.00} to be sent back to me. I received no response. I believe the person blocked me. 

On XX/XX/XXXX, I called the Chase fraud department. I confirmed with them that my account was compromised and they said they would look into it. They said they would receive a temporary credit in ten business days. I was transferred to another department to help me change my login information for Chase and deactivate XXXX. I also changed all of my email information. 

On XX/XX/XXXX, I receive a letter from Chase saying that they found the UNAUTHORIZED charge of {$400.00} on my account was authorized and they would not make any adjustment on my account.
Product: Student loan

Student loan dispute My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel my student loan debt in full.
Product: Credit reporting or other personal consumer reports

This is regarding the inquiry from XXXX XXXX on my credit report. XXXX XXXX has sent me a statement explaining that they originally checked my credit then found that this request for credit was fraudulent, and cancelled the order. This information has been sent to Equifax to have them remove this inquiry from my credit report and they refuse to do so. The only way I got this information is because I filed a complaint with you. ( CFBP ). 
All I want is for Equifax to remove this inquiry from XXXX XXXX from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

This account was paid in full through wage garnishment, with XXXX, the company has a balance showing due on my credit report when it should be showing a XXXX balance. I have disputed this information 3 or 4 times and the company keeps saying that it is current and keep reporting it as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XX/XX/18 and XX/XX/18. Company : Experian. Problem : Completely inadequate phone/web services for lifting a freeze on a credit report.

Trying to execute a temporary lift on the freeze I have on my credit report. Calling customer service provides NO option to talk with a live person, refers you to their website, and abruptly hangs up. Automated phone options only offer two options : to order a credit report or inquire about fraud - neither of which satisfies my needs - ( XXXX ) XXXX. I called the business division since nothing else was working and received a very rude explanation about how Experian is silo'ed and the business division can do nothing to help me. That rep hung up on me - ( XXXX ) XXXX. Going through the Experian website, for the last two days I have selected the option to 'lift or remove ' a freeze on my credit report. The link is dead and takes you to a page that simply says 'loading ' but never loads. Option should be functioning for all browsers. https : //www.experian.comXXXX I went through the website to get a 'one-time PIN ' for my creditor to use to access the credit report. My creditor tried to use that PIN said it was kicked back and did not work. Horrible, frustrating service that renders the consumer unable to lift freeze on credit report. Please see XXXX reviews regarding Experian. More than two dozen reviews, only one review has anything but 1 star for all the same reasons noted above. The horrendous level of customer service reaches beyond inconvenience and is potentially damaging to consumers.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX on XX/XX/XXXX under the account number ending in XXXX, a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ending in XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries 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 and hard inquiries appearing on my consumer credit reports maintained by you were not opened, made or initiated by me. All of the aforementioned accounts and hard inquiries 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 and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a hard inquiry showed up on my XXXX and Transunion credit reports for a line of credit I did not open at XXXX XXXX XXXX. I then ran my credit reports for all three agencies, only to discover 2 of the 3 showed what looked like someone's profile on my report. I discovered incorrect variations of my name, incorrect home addresses and places of employment, and about 16 accounts that did not belong to me. Naturally I freaked out. The odd thing was a lot of the incorrect accounts were from 2-8 years ago and these had never ever shown up on my credit reports before XX/XX/XXXX. I check my reports often so I would have seen these. 

So the first thing I addresses was the recent inquiry. On XX/XX/XXXX at XXXX PST I called the XXXX XXXX bank that made the hard inquiry on my credit report and they were unable to pull up an account with my name and social security number. None of the info I gave them pulled up an account ... which further made me believe there was a problem with the credit bureaus and not a case of identity thief. 

So, on XX/XX/XXXX at XXXX PST, I called XXXX and they looked into my credit report and the customer service rep noticed that my profile was actually merged with another person with a very similar spelled name ( mine is XXXX and the incorrect one was XXXX ) and social security as mine. They started the process of un-merging my account with this other person. Somehow bc another person has a similar spelled name and social, our records were being merged in their system. Thankfully the customer service rep took the time to go line item by line item to separate the records. Sadly I now have to do this same thing with Transunion because these same errors were on that credit report too. I didn't see anything incorrect on XXXX  yet but I'll keep monitoring it.
Product: Credit reporting, credit repair services, or other personal consumer reports

MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do syncb/paypal ( bank ) XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have a letter for my XXXX XXXX  bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX XXXXXXXX Illinois XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated. 


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 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 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! 


Update the late payments from my consumer reports