23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX XXXX from XX/XX/2020 that is supposed to drop off after 2 years but has not. It should have dropped off this week.
Product: Credit reporting or other personal consumer reports

refusal to approve credit card application after obtaining steller ratings on Experian. 
Denial reasons provided are both invalid based on Experian. report escalated to executive level case # XXXX. 
fico score XXXX XXXX open credit card in 4 years limit XXXX. 
never late. never an interest payment paid. 
never refused credit XXXX XXXX  years. 
no mortgage XXXX annual income no credit problems EVER WHATSOEVER
Product: Checking or savings account

I don't exactly remember the exact details, but a XXXX XXXX XXXX kept charging my account, and because of the several attempts made I owed closed to a {$1000.00} in fees. That, of course, was after I had made an agreement to make payments to the Company. I believe the Company was either XXXX XXXX, or XXXX XXXX. I don't remember.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I originally notified Sallie Mae that I wanted to updated Privacy Policy, a representative commented through the CFPB complaint feedback stating that there was no such thing, and that Sallie Mae sharing my personal information is how daily business operates and is ran and I could not opt out. Which after doing more research and learning more laws is unfair and untrue! Sallie Mae Totally Disregard my complaint. Sallie Mae has been contacting family members I havent spoken to in years asking to speak with me, instead of calling me. Ive already tried to resolve this debt in house and nothing seems to satisfy this creditor. They refused to put me on a payment plan or defer the loan. They continue to send emails and letters stating if I don't pay by XX/XX/XXXX they are required to sell the debt to third- parties. I did in fact was able to XXXX the link to opt out, but employees are uneducated and told me unlawful and unethical information. Sallie Mae continues to report negative untrue information on my credit report when I disputed it with them. Someone made a note on my XXXX credit report saying- Completed investigation of FCRA dispute - consumer disagrees Because what exactly did I not agree with? basically not complying with the FCRA and still reporting negative false statements. I have been denied every extension of credit because of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX  and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like i have exhausted all efforts with XXXX and TransUnion Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts XXXX 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 card or prepaid card

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VT XXXX XXXX XX/XX/2023 I am paying this bill under protest. I have told you over and over that I have never used a Capital One Card. I never authorized any payment and should not be paying late charges, finance charges and other fraudulent charges that you are assessing. I will be filing appropriate complaints with the necessary agencies and file a small claims suit if necessary. 
Again, I do not have a Capital One card in my Wallet and never will. 
You are a terrible company that is taking advantage of a person on a fixed income. 

Sincerely XXXX XXXX XXXX XX/XX/2023 Capital One XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX The saga continues. 
I have tried in vain since XXXX to find someone with common sense and see that I am a victim of needless late payments and basic incompetence on the part of some foolish operating system without any human involvement. 

Phase 1. 
Once upon a time I applied for a BJ membership. In doing so they provided me with a credit card which I did not want and never activated nor used. In XXXX last year I received a statement from the previous bank that had the credit card and there was a charge n there for {$110.00} as well as a late charge. After inquiring about it I was told that it was my annual membership fee. I disputed the late charge ; it was removed and I paid the {$110.00}. At that time I told, BJs in writing that I did not want a card and never did. 
In XXXX I received another statement for a late payment and late charge as well. I disputed both. Evidently it took 2 weeks to process my check for the payment and it was deemed late. As I tried to explain to some person in a remote call center. I do not have an account, never used it and BJ-s placed a balance due on it without my approval and I should not be held accountable. 
Never heard anything and of course now the bank has changed to you folks at Capital One. 
So same message, I did not activate the new card, I never used the old one and I do not want a Capital One card in my wallet. So please remove me from any system that you have. My attempts to contact BJS has been futile and once again Phase 2. 
On XXXX I spoke with an agent and she indicated that late fees would be waived and all I had to remit was {$27.00} Which I did ( exhibit 1 ) and you sent it back as the check was destroyed when your processing machines opened the envelope. I promptly replaced the check and you cashed it on XX/XX/2023. Today I receive yet another late notice, with late fees and a totally different amount. ( {$69.00} ) So, Im done. I paid this amount due ( {$27.00} ) even though I never spent or charged XXXX XXXX on your Credit Card. Im not paying another cent and suggest that you take me out of system and start using common sense vs some AI system. 

And it would be nice if you could respond as this is my 3rd attempt. 

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

The XXXX XXXX XXXX/XXXX  XXXX Visa credit card company in continuously reporting incorrect information regarding the owner of this debit. Although the account was originally opened with Total Visa/ The XXXX XXXX XXXX , the account has been closed and sold to a Debit Collector. This credit card company was not able to assist me because they no longer own the account. I have reached out to XXXX Visa/XXXX with their contact information being reported to all three credit bureaus after my credit report was obtained. Once the reports were obtained I notice the same information was reappearing showing the same incorrect information. I have made many disputes with the credit bureau agencies in an attempt to resolve this issue with this credit card company. 


Since this is the case and no resolution had been done ( on my behalf ) with above statement and recent complaint. I requested with the two credit bureaus to add a personal statement the two account on my credit report. They under false pretense took my statements/ information of what I wanted added to my report, but did not add the statement to the report as promised.
Product: Credit card or prepaid card

Hello, I have paid the company 's balance in full including a late fee for which they did not give me access to my account or review of the transactions on said account. The company will not provide me with account statements of the charges they are stating that have incurred on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> My request for the blockage and deletion of this data is not a mistake, nor is it founded on any misrepresentation of facts on my part. I am committed to ensuring the accuracy and integrity of my credit report, and as such, I am rightfully seeking the removal of these wrongfully attributed transactions. It is crucial to clarify that the transactions identified in my report are in no way associated with any of my legitimate financial activities. As the victim of identity theft, these transactions do not represent any transaction undertaken by me as the rightful consumer. 
In accordance with the Fair Credit Reporting Act, I am entitled to a fair and accurate representation of my credit history. I kindly ask that you investigate this situation promptly and take the necessary steps to remove the fraudulent accounts from my credit report. I understand the importance of a correct credit profile and its implications for my financial well-being. 
Enclosed with this letter are copies of documents substantiating my identity and the fraudulent nature of the reported transactions and trust that these documents will provide the evidence required to facilitate a swift resolution of this issue. I kindly request a written confirmation once the fraudulent accounts have been removed from my credit report.
Product: Checking or savings account

XX/XX/XXXX is got an email from paypal that my account has been permanently limited. I contacted customer support twice I've never even got a reason why. Customer support said those decisions are made in the back office and they cant even access them. I got an email from them today saying my account is still permanently limited a be in cant use there service for anything including my own money. My account has XXXX dollars in it. My social security checks are direct deposit. I desperately need the money to pay my rent and utilities. I have no other money. 
My phone was stolen and they were able to get into my paypal account and make purchases. I informed paypal of this. they are punishing me for something someone's else did. I never violated any of their policies. I can't believe they can actually take my money. im on a very desperate situation. Ill be broke and homeless in a few days. Im a XXXX veteran.
Product: Credit card or prepaid card

I have had a credit card with XXXX XXXX ( card issued by Comenity ) since XX/XX/2021. I have used the card several times. I log onto my credit card accounts weekly to pay off any balances that may exist. I have not received any statements from Comenity listing my purchases nor payments. When I called their customer service, they stated that I am not entitled to a statement, nor do they generate a statement if the account balance is zero at the time a statement is due to be generate even if there has been activity on the account. It is my understanding that a bank is required to issue statements if an account has activity regardless if there is a zero balance at the time the statements are due to be generated. I would like Comenity to supply me with statements for the months that my account has documented activity.
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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due toXXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX of Debt XXXX and would like all listed accounts to be blocked and deleted company information XXXX XXXX, Equifax, XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had a money market/savings account with Capital One for more than 15 years. A few months ago they closed my account without informing me and moved my funds to a different savings account. It is my suspicion that when they did that, they mistyped my husband 's social security number because all of a sudden my account was locked. I had a significant amount of funds in there, and I called the bank several times. They told me the first time they could only talk to my husband. Luckily he had come home during the 45 minutes I had been on hold. They asked me to send a letter in stating his social security number. In my haste, I apparently forgot to date the letter. They never informed me of this until I called again a month later ( and was on hold for another 45 minutes ). At that point I asked to close the account. They told me they couldn't do that until I sent in another letter, which means that I have to be on hold for another 45 minutes. Until then, my money is unavailable to me. 

In the meantime, I received a letter stating that someone I never heard of has been removed from my account. As you can imagine, that made me panic- who was this person who once had access to my account? Clearly the company has made some major mistakes but yet I'm the one who can't access my money. 

I have sent yet another dated/signed letter over three weeks ago, and my account is still locked. I have no desire to spend another hour on the phone for them to tell me they can't do anything. Is this legal for them to keep more than {$5000.00} locked up when both I and my husband have verified our identities over the phone? Is it legal for them to move money from one account to another without telling us and then lock our account with no explanation? As I no longer want to have a savings account, I feel as though they are keeping my money locked up against my will
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATE CONSUMER REPORT ( Request ) Please investigate if every piece of correct. If not, please remove these accounts listed below from my credit report. 

In accordance with the Fair Credit Reporting Act Convergent these accounts below Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX Account # 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed in a dispute certified mail to TransUnion that was received on XX/XX/XXXX at XXXX am confirmed by certified mail tracking number ( XXXX XXXX XXXX XXXX XXXX ). 

In this dispute TransUnion was put on notice that items that were being furnished were the result of IDENTITY THEFT see FTC Report # XXXX I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file Pursuant to 15 U.S. Code 1681c2 ( a ) : XXXX FUNDING XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX As of XX/XX/XXXX TransUnion has not complied with 15 U.S. Code 1681c2 ( a ) which puts them in VIOLATION of this Law.

Block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.
Product: Credit card

I Paid my balance prior to receiving a statement and I was charged a late fee. I had a XXXX balance prior to making a purchase in XXXX. I paid the amount I charged on XXXX XXXX, 2016. I realized in XXXX my balance looked different and saw I was charged a late fee for two payments made prior to the statement being generated. The payments were never late and I do n't understand how they can charge a late fee for paying early?
Product: Mortgage

I refinanced my mortgage at the end of XXXX. The management was transferred from XXXX XXXX to Mountain West Financial ( MWF ). I had zero issues in the handling of my mortgage and escrow account when XXXX XXXX was managing, but Mountain West Financial has been nothing but headaches. 

As an overarching note for the below examples, all of these payments were pre-funded in my escrow account, and should have been paid from this account. 

XX/XX/XXXX - I received an overdue notice for my Property Tax Bill from my county. The company representative told me I might be responsible for paying the penalty amount, and that it would be taken from my escrow account. 

XX/XX/XXXX - I received a notice that my Hazard Insurance hadn't been paid and was going to be cancelled. I contacted MWF who told me they freeze all escrow account for 60 days after a new mortgage is taken on. This was never shared with me during the paperwork. They then told me to pay out of pocket for the insurance to prevent it from lapsing. They told me they'd initiate an " escrow review '' so I could receive money from my escrow account that I'd now paid out of pocket. It is now 3 months later ( XX/XX/XXXX ) and I have called back twice to check the status. Each time they mark it as complete, show an overage on the balance, and take no further action. Those are the direct notes that were read back to me from their representatives. 

XX/XX/XXXX - MWF ordered and cancelled insurance on my behalf for the hazard insurance they failed to pay. 

XX/XX/XXXX - MWF put the wrong dates in for my hazard insurance ( expiring in XXXX instead of XXXX ) and sent me another notice that they'd be purchasing insurance on my behalf. 

I have spent close to 8 hours on the phone trying to clean up the mess MWF has caused my accounts due to their terrible mortgage management structure. The representatives have all been very courteous and ( seemingly ) helpful on the phone, but nothing has been taken care of since these issues started arising. It is a perpetual game of " check in with us in 10 days '', only to find nothing has been done.
Product: Debt collection

Cascade Capital LLC is attempting to garnish wages after the debt was confirmed as paid in full.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX and AFFIRM INC XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history and I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.