23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a victim of identity theft. When I discovered this theft I filed a police report and investigated my various credit reports. Upon review, I found an account at Capital One that was not opened by me or with my knowledge or consent. I disputed this account directly with the credit bureaus and it was removed from my report, however, about a month later it returned to my credit report and I was told that the creditor suggested that this account was mine and to have it remain on my file. This is not the case. I understand that payments were made on this card but these payments were not made by me. It is my understanding that this card was opened online and sent to an address that was deemed fraudulent. Police report is attached here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

FOR EQUIFAX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX XXXX to return the cancelled gap and extended warranty. After much hesitation on action, the man named XXXX got up, and he gave me a paper of the payment to chase. This paper was dated XX/XX/19, but chase has told me they have yet to receive such a payment. I believe chase is trying to profit from the interest that the XXXX refund is accumulating.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX {$110.00}, acc # XXXX date ; XX/XX/XXXX, ..2 ) XXXX XXXX, balance {$45.00} acc # XXXX status closed XX/XX/XXXX, XXXX ) XXXX XXXX {$130.00} , acc # XXXX satus closed XX/XX/XXXX, ... .4 ) XXXX XXXX $ XXXXacc # XXXX, closed XX/XX/XXXX... ..5 ) XXXX acc # XXXXclosed XX/XX/XXXX {$520.00} ... ... XXXX acc # XXXX collection XX/XX/XXXX ... ... .in accordance with the fair credit reporting act XXXX  # XXXX has violated my rights,15U.S.C.1618 section 602A states that i have a right to privacy ... .15U.S.C.1618section604A section 2 also states that a consumer reporting agency can NOT furnish an account without mt consent and /or instruction ... and they have niether!!!!
Product: Credit reporting or other personal consumer reports

I have missed payments on my Capitol one credit card from XXXX. 6 missed payments in a row. This was due to my wife losing her job and the financial hardships that came with this. Having to allocate my sol income to pay for our mortgage, utilities, and food for my family, I was unable to make the payment on this credit card. I contacted The XXXX XXXX, and they assured me they could fix my credit by filing a dispute. This turned out to be false. Sometime later, I was told by an agent at The XXXX XXXX I needed to contact Capitol One to remove the missed payments. When I contacted Capitol One I was told I needed to contact the XXXX Credit Bureau. When I contacted XXXX I was told I needed to contact Capitol One. I would like for these hard inquiries on my credit report to be cleared up and would appreciate any help or direction about how to do so. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I received a payment from a sale and wanted to pay off my loan with SLS. I called them multiple times and requested a payoff statement ( was not even informed that they charged you for a statement ). 
I was not receiving their fax so I kept calling back and requesting the payoff statement. 
I finally received it and paid off the loan. 
I received a statement with multiple, odd charges, and was charged 6 times for a payoff statement on the same loan. 
I phoned 5 times, was able to get 1 of those charges reversed and was sent a check for {$25.00} When I phoned back wanting to speak with someone about reimbursing the rest of it, I was told I had to write a letter to XXXX I did so twice and never received an answer. 
I would like to be reimbursed for the {$100.00} in payoff fees and the charged {$18.00} in fees (? no  explanation of what they were for ) I feel they owe me {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.
Product: Credit card

I paid a XXXX bill on XX/XX/year> on line. They didn't show that payment untill XX/XX/year> I came home from a family reunion at the end of XX/XX/year> and got a notice that {$850.00} was going to be paid on XX/XX/year>. I didn't know what was going on, I thought it was a scam so I requested XXXXXXXX XXXX to not pay it. They stopped payment on it. I then notified them that the {$850.00} was supposed to be paid in XXXX. They said no it was XXXX and I made no XXXX payment. I spent hours and XXXXXXXX XXXX roaming fee to get this sorted. I then made a {$1000.00} payment on XX/XX/year> to cover the {$850.00}, that extra {$150.00} was for the XXXX payment, then paid {$200.00} payment on XX/XX/year> for my XXXX payment, all of these payments were way more than the monthly payment required. I presumed all was good. I'm still closed out, their on line page says suspended account. I have to do a phone payment right now which I hve to pay a roaming fee on. I sent a letter to them on XX/XX/year> registered, so they had to sign for it. Still no reply and my account is still suspended but I can use the card just not pay on line. One of my options is to cancel the card and request a new one. I got locked in to a low interest rate 13-15 years ago, if I do that my interest rate goes from 10 % to somewhere like 25 to 30 something %.
Product: Credit card

I received several emails from Capital One on XX/XX/year> saying the following : - '' One or more phone number on my Capital One profile has been updated. '' - '' You've been approved for a Platinum Card. '' I had also received an email on XX/XX/year> by XXXX saying that " There's a new hard inquiry on my credit report. '' On XX/XX/year>, I received another email from Capital One saying " my card has been shipped. '' Upon discovering all of these emails, I checked the Capital One website and attempted to see if I had an account associated with the bank. Sure enough, after entering specific information such as my email, SSN, and birth date, I found an account under my name associated with the bank under a phone number that does not belong to me, nor do I recognize at all.

I have never created an account with Capital One, or have ever banked with them ; therefore, I believe I am a victim of identity theft since a credit card was opened in my name without my knowledge or consent.
Product: Credit reporting

The investigation of Equifax Dispute Number : XXXX was past 30 days.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Reporting I am writing to formally dispute inaccurate late payment information on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ) and related U.S. codes. .I have recently reviewed my credit report and found the following accounts reported as being late, which I am challenging : XXXX XXXX Account # XXXX Status : Past Due 60 DaysBalance : {$8300.00} COMENITYCB/XXXXccount # : XXXX Status : Current, Was Past Due 30 Days XXXX XXXX XXXX XXXXAccount # : XXXX Status : Paid Satisfactorily I am disputing the accuracy of the late payment statuses reported on these accounts. Under 15 U.S. Code 1681 ( 2 ) ( xi ), I have the right to ensure that my credit report is accurate and complete. Additionally, under 15 U.S. Code 1666 ( b ) and 12 CFR 1026.13, creditors are required to provide accurate information regarding payment statuses ' I request that you conduct a thorough investigation into these late payment reports and provide me with documentation supporting the accuracy of the reported information. If you find that the information is indeed inaccurate, I expect it to be removed or corrected promptly. Please send me a written confirmation of your findings within the 30 days according to the Federal Trade Commission and other relevant consumer protection agencies. Thank you for your immediate attention to this matter. I trust that you will act swiftly to resolve this issue.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a consumer dispute with Experian and they refused to conduct the investigation and send me the results it has been almost 60 days no response i tried to obtain a new credit report to see if the disputes were taken care off and they refused me access to my annual credit report because i didnt know the tag # to my car so now i would like to submit since the disputes took 60 days
Product: Checking or savings account

On Monday XX/XX/XXXX, I went in person to BMO Bank located in XXXX California. I deposited XXXX checks from the California state controllers office into my checking account. These paychecks were back payments for my work as an IHSS in home care provider. The checks totalled {$12000.00}. I was told that they would be a available in my account the following day. On Tuesday, I tried accessing my online banking and was locked out. I went to the local BMO branch for assistance. They called their XXXX number and we discovered that my account was frozen by the fraud department. I spent several hours speaking with the fraud department via phone and provided copies of my paystubs via email to them. They still couldn't resolve the issue. I called again today on Wednesday XX/XX/XXXX and spoke to the fraud department and they said that my account will remain frozen for a minimum of 14 days. I was told that there's nothing I can do to unfreeze my account, I just need to let them finish the fraud investigation.
Product: Credit reporting

Equifax refuses to remove a waived/recorded tax lien release when XXXX and XXXX have promptly done the same. The tax lien release was released under the IRS Fresh Start Program, intended to give tax payers a " Fresh Start '' and ability to clear their credit report. Equifax 's actions are inconsistent with the IRS program and seem to be a rogue agency, inconsistent with others in the industry and may violate my rights. I understand they continuously refuses to delete these types of items for consumers. I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a dispute with XXXX, Experian and XXXX regarding my payments had stop and were not being reporting from my credit card with XXXX XXXX XXXX for the several months and I want the payments to be updated because my account has always been in good standing and never late payments. On XX/XX/XXXX Experian Credit Bureau informed me that XXXX XXXX XXXX had removed my account from my credit report. I called Experian on XX/XX/XXXX and was told they could not reinsert my account. They told me to call XXXX XXXX XXXX XXXX and I did both Comenity XXXX XXXX and Experian are refusing to correct this problem which is hurting my credit score. I have been communicating with Experian and XXXX XXXX XXXX XXXX XX/XX/XXXX to present, XX/XX/XXXX and I am always told allow 30 days. Experian asked me to send the correspondence from XXXX XXXX XXXX they had contacted Experian and I submitted supporting documents of my active and good standing account with Comenity XXXX XXXX but nothing has been done. My entire credit account is removed ONLY from Experian. XXXX and XXXX are correct. As a consumer this is not fair because I pay my credit accounts on time. At this time I do not what to do. This has decreased my credit score and limiting my credit availability and causing high interest rates. XXXX XXXX XXXX is stating they are reporting to Experian but if there is no account with Experian what are they reporting.
Product: Debt collection

They have repeatedly been asked to stop calling me. They were contacting me on my cell phone. I tolerated it, even though I warned them numerous times if it didn't stop I would file a complaint. Now today, they called me at XXXX on my OFFICE PHONE. I immediately told them to stop calling and hung up. This company, no matter how many times i have warned them to stop contacting me, still continues to harass me. The name of the company is called Portfolio Recovery Services. I am a small fish, if they are doing this to me, XXXX knows how many other people they are doing it to.
Product: Credit reporting, credit repair services, 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, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Date XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is not holding up to the law by not responding with my investigation results within a reasonable time. 

On XX/XX/year>, I wrote to XXXX requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from XXXX or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I wrote again and requested a reply within a reasonable amount of time.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC. 

I want to formally address a series of concerns regarding my ongoing disputes with Equifax and the unacceptable handling of my case. Despite my repeated attempts to resolve these matters, I have encountered significant delays, miscommunication, and an overall lack of professionalism in your handling of my account. I am deeply frustrated by the disregard for both my time and my rights as a consumer. 

I have diligently followed the instructions provided by Equifax and submitted all requested documentation, including supporting evidence of fraudulent inquiries, via certified mail to your XXXX XXXX XXXX and through the Dispute Center on your website. However, I have not received proper acknowledgment or resolution. According to USPS tracking information, the certified mail has been successfully delivered, but I have been repeatedly informed by different agents that my documents were either not received or were disregarded due to issues with verifying my identity, despite providing valid documentation. 

Furthermore, I have experienced inconsistent and contradictory statements from Equifax representatives. On one occasion, I was informed that my dispute was being evaluated, only to be told days later by another agent that my documentation had never been received. Additionally, I was told that my Social Security card, which is marked " for work only, '' was insufficient proof of my identity, despite this being an official government-issued document. This response is not only illogical but also discriminatory and disrespectful. 

What is even more concerning is the apparent alteration of my name on your records without any valid explanation. Equifax has added suffixes to my name that have never existed, further complicating the situation and raising doubts about the accuracy and integrity of my credit file. 

I find it unacceptable that Equifax, as a leading credit reporting agency, is failing to uphold its responsibilities to consumers and is not acting in accordance with the law. Your lack of transparency and unwillingness to assist in resolving these issues has caused me undue stress and frustration. 

I respectfully request that this matter be escalated and given the serious attention it deserves. I expect prompt action to correct the inaccuracies on my credit file, resolve the fraudulent inquiries, and address the mishandling of my disputes. If this issue is not resolved within a reasonable timeframe, I will be forced to explore further legal options to protect my rights and seek compensation for any damages caused.
Product: Credit reporting, credit repair services, 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 ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$730.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX  Inquired on XXXX XXXX, 2022 2022
Product: Mortgage

My servicer is charging ridiculous fees to my mortgage account when I have repeatedly told them I live in the house. They have sent a company to my house multiple times in the same month. I have made contact with the company and let them know I live in the house. Each time I speak to Pennymac I let them know I live in the house. They even tried to rekey my property while I am living in the house. This is illegal. This is theft by taking. I called Pennymac and they claim they are looking into the matter. All they did as a result of looking into it is increase my balance with their junk fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  to state that the late payments XXXX posted to my credit report were incorrect. I was protected due to the Cares act, CARES Act and Credit Reports If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020, and 120 days after XX/XX/2020, or 120 days after the COVID-19 national emergency ends. I got Covid in XXXX and was hospitalized from then until XX/XX/2020. I was not working and I called XXXX XXXX to inform them, since then I have been fighting to get these late payments off my credit report, we paid off both credit cards as soon as we got our stimulus checks, we would like to have the late payments removed, my wife is depressed because i lost our home and now trying to purchase a new home. the lender won't move forward until the late payments are removed. we have paid off most of our debt and we pay on time all the time, Please help us obtain a new home.