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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX ) Balance : {$2000.00} ; XXXX XX/XX/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 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 XXXXXX/XX/XXXX.
Product: Checking or savings account

I do not have access to my direct deposit. It was supposed to come Wednesday afternoon. It is now Thursday evening and their technical issues are still going on so I have not received my direct deposit. I need to buy food and pay bills.
Product: Debt collection

XXXX XXXX XXXX , XXXX. amount is {$11000.00}. I have disputed this with XXXX XXXX XXXX , XXXX. several times and also sent XXXX XXXX XXXX , XXXX. a debt validation on XXXX XXXX, 2017. XXXX XXXX XXXX , XXXX. has not responding and also have reported me to all three credit reporting agency 's.
Product: Debt collection

My elderly mother was contacted by Navy Federal about my accounts. I have previously told NFCU to stop all contact with anyone other than myself regarding my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank is showing this account as a charge off with no payments being made for over 12 months. Payments are in fact being made in accordance to the agreement with their legal representation for the past 11 months. I have contacted their legal representative, and they stated that it is not their responsibility to report to the credit bureau, but Discover should be updating the reporting, and that they send them a monthly feed showing the account is actively being paid on for their records. Because of Discover not properly reporting to the credit bureau, my credit score has been negatively affected and almost cost me an employment opportunity. They need to have all of the payments I have made updated to my credit file and update the status from a charge off to active status and make any necessary to the score as well.
Product: Checking or savings account

Deposits payroll checks savings of US bank. 1 month after receiving and it bounced. Took 30 days more redeposits paycheck protection acts did not protect accounts. Instead forced closed military accounts. XXXX XXXX has stated they paid wait time bouncing and checks. Really if so none be forced closed.
Product: Checking or savings account

I deposited a citi bank check on the XXXX, for XXXX and a hold was placed. banker said a couple days but the receipt said the XXXX max called a few days later and they said for sure in a couple days. called back and they said they are unable to verify the check. then asked for the check senders info. I was not given any portion of the deposit, and not given reason for extended hold in writing. Im now not sure when I get my money as they just keep saying they cant verify the check with no answer as to what happens next. also they wont revisit calling the check sender unless im on the phone and I have work. I feel the legal laws put in place to protect me aren't being followed.
Product: Credit card or prepaid card

I can not access my TD credit card account online and every time I call I am put on hold. I have called numerous times on XX/XX/XXXX and XXXX. I have been on hold for upwards of twenty minutes each time. I have no idea what the charges are on my account because I cant access it online and cant get a person on the phone to unlock my account. The website I normally use which is tdcardservices.com is directing me to a completely new website and I cant figure out how to access my information. Please help me.
Product: Debt collection

A collection agency named " Focus Financial Service '' also known as or or reporting under the name of " Palm Beach Credit Adjustment '' ( which they use BOTH names to report the same account with different agencies ) had reported to the XXXX credit bureaus an account that I had with " XXXX Hospital, XXXX XXXX '' since XXXX XXXX, XXXX. I had disputed the account online with TransUnion before which they eventually closed the account ( Or had it under " Closed Collection Status '' ). 
On XXXX XXXX, XXXX I had contacted " Focus Financial Services '' through Registered Mail asking them to Validate the debt, & to provide me with any documentation that I had signed as an agreement that I owed the hospital that bill, & some other information detailed in the letter, after 2 days they responded to me with a " Detailed Medical Bill & Statement '' showing all the " Medical Procedures '' that was done to me, which I assume it was confidential, but somehow they have it. They did n't answer any of my other questions which are detailed in my letter to them and the letter is attached to this complaint, I had also asked them to cease & desist all collection & reporting actions until I verify the account and finish my investigation. 
2 days after their response to me, they Reopened the " Closed Account '' with XXXX, & Refreshed their reporting to all XXXX agencies as of XXXX/XXXX/XXXX with a new amount of {$1.00} less than what I owe ( Original Amount was {$10000.00}, New Amount is {$10000.00} ). I had also sent them a second letter on XX/XX/XXXX right before I noticed that they refreshed the status of the reporting on all XXXX agencies asking them why they did n't comply with my request of answering the rest of my questions, and to provide all missing information, then I noticed the change in my credit file, and that 's when I decided to file this complaint of them violating my rights to a fair review of the account, and my confidential " Medical Information ''.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, of XXXX XXXX, IN Florida, XXXX XXXX  XXXX, MAKE OATH AND SAY THAT : 1. I have never had an account with these companies XXXX Account number # XXXX, XXXX XXXX  XXXX account number # XXXX REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7. As mentioned in the 15 U.S. Code 692f Unfair practices 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly lates in XXXX and XXXX on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) I spoke to a representative in XXXX from XXXX and I was told that if I made ( 10 ) consecutive payments without ever being late that they  would remove the lates from being reported on my credit report. I honored this agreement ; I was never late, however they are still reporting the lates on my report from XXXX. This incorrect reporting is harming my credit score.  Please delete these items from my credit report.
Product: Credit reporting or other personal consumer reports

Complaint Title : Denial of Access to Credit Report and Request to Dispute Inaccurate Accounts Experian and XXXX FCRA Violations Summary : I am filing this complaint because Experian and XXXX have denied me access to my credit report, despite multiple attempts to obtain it. This denial is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to view and verify their credit information. Additionally, without access to my report, I am unable to file disputes on specific accounts that I believe contain inaccurate or outdated information, further impacting my credit score and financial stability.

Violations : Violation of FCRA ( Fair Credit Reporting Act ) The FCRA ( 15 U.S.C. 1681g ) grants consumers the right to access their credit reports. By not providing access, Experian and XXXX have failed to comply with these provisions, obstructing my ability to review my credit history and to dispute inaccuracies. 

Violation of FACTA ( Fair and Accurate Credit Transactions Act ) Under FACTA, I am entitled to a free annual credit report from each major bureau, including Experian and XXXX. Denying access infringes upon this right, blocking my ability to see my full credit history. 

Denial of Dispute Rights The FCRA also grants me the right to dispute inaccurate or incomplete information on my credit report. Without access to my report, I can not identify errors or initiate the necessary disputes with Experian and XXXX, which hinders my ability to ensure fair and accurate credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report. I believe that my consumer rights have been violated, and I am seeking assistance in addressing this issue. 

On [ Date ], I obtained a copy of my credit report from [ Credit Reporting Agency Name ] and discovered several inquiries that I did not authorize or recognize. These inquiries are not associated with any credit applications or services I have requested, and I have reason to believe they are the result of unauthorized access to my credit information. 

The unauthorized inquiries listed on my credit report are as follows : [ XXXXXXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXXXXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] I understand that unauthorized credit inquiries can have a negative impact on my credit score and financial well-being. It is of great concern to me that my personal information may have been accessed without my consent, potentially leading to identity theft or fraudulent activity. 

In light of this situation, I kindly request the following actions to be taken : Investigate and verify the legitimacy of the unauthorized credit inquiries on my credit report. 
Ensure that these unauthorized inquiries are promptly removed from my credit report. 
Identify any individuals or entities responsible for these inquiries and take appropriate actions to hold them accountable. 
Provide guidance on steps I can take to protect my personal information and credit in the future. 
I believe that the CFPB plays a critical role in protecting consumers from such violations and ensuring the fair and accurate reporting of credit information. I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint.
Product: Credit card

To Whom It May Concern, I am writing regarding my American Express business credit card, account number XXXX, with a balance of {$670.00}. I have previously received a letter from American Express dated XX/XX/2024, acknowledging that a computer error occurred and confirming that I did not owe any balance on my credit card. The letter indicated that the necessary corrections would be made to resolve this issue. 

Despite this acknowledgment, my credit card has been closed, and derogatory marks related to this account remain on my credit report. This is deeply concerning as these errors are the result of a technical issue on American Expresss side, not due to any fault of mine. The closure and negative reporting have significantly impacted my business operations, as I relied on this credit card for essential business expenses. 

The situation arose after my original credit card was stolen, which prompted my request for a replacement. I do not understand why my account has been closed instead of being properly corrected as promised. I respectfully request the following actions be taken immediately : 1. Reinstate my business credit card account and issue a new credit card to replace the stolen one.

2. Remove all derogatory marks associated with this account from my credit report, ensuring that no negative impact remains due to the technical error. 


XXXX. Provide written confirmation that these corrections have been made and that my account is in good standing. 



I have always valued my relationship with American Express and hope to resolve this matter promptly. Thank you for your attention to this issue, and I look forward to a swift resolution that allows me to continue using my business credit card without further disruptions. 

Sincerely,
Product: Mortgage

I am a veteran and the only one working is my wife and my mother in law which her name also appears on mortgage and on title. As all of us have been affected by COVID19 in addition i have XXXX  XXXX from the time i was in the XXXX and i have a letter from the XXXX XXXX doctor which confirms this. We have attempted to work with Selene Finance for over two years and they refuse to help and now this year is when they knowing that we were affected with the pandemic financially they went ahead as place our house for sale. This company Selene Finance ) refuses to call or help in any way instead they have set up a sale date now during this difficult time. we have submitted a complete file with the little income that my wife is making and the social security income which is what my mother in law receives. Selene continues to delay the process with our attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX has emailed the attorneys XXXX XXXX legal many times and each time they are back and forth without a care that we may lose our home. We need this reviewed by CFPB please we need help. Also my loan belonged to XXXX XXXX however for the sale date the attorney made a change to remove my loan from FHA XXXX XXXX to avoid helping us for COVID19
Product: Credit reporting or other personal consumer reports

XXXX  XXXX haven't had my written or verbal consent to hard pull my credit for what ever reason they pulled it for.This is fraudulent practices and violates my FCRA rights and FCRA laws.15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately.I did not give anyone authorization or consent to use my personal information.

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Product: Mortgage

My mother XXXX XXXX passed away. I am the daughter and am trying to do the right thing and getting things situated as best as I can. Chase is well aware of the passing of my mother, and well at the time mother passed I had no idea all that came with that. I was not aware I needed to go through probate, which I am doing so now. However as you may already know probate does cost money, and had to gather the funds for an Attorney. Currently I am in the middle of Probate with the last court hearing of XXXX XXXX, 2016. Chase is well aware of this hearing as I have provided notice, and have stressed to the representatives I need them to notate probate last court hearing on XXXX XXXX, 2016. I did stress to representative I am not being provided with information about the account, I am not asking anything about the account and instead are providing them with information about the account. I am simply asking for help with the postponement of my sale date of XXXX XXXX, 2016 to allow the probate matter to finalize and finally be able to speak with Chase mortgage and Chase mortgage to finally be able to accept my payments. See Chase would not accept my payments because I am not the borrower, which is why I am not facing foreclosure. Please help me all we need is time, time to allow the probate to finalize, which again will allow Chase to accept payments from me.
Product: Credit card or prepaid card

My husband has an AMEX platinum card and when we got married, we applied so I could have the credit card under his account. During this time, american express kept emailing me saying that I was missing information to activate the card despite the fact that I was logging in and adding all of the necessary information. They had sent out a card and I had it in my possession. In that time my husband had paid off his remaining balance so we could start fresh and keep track of our charges together. I noticed when I signed onto my app that there was still a remaining balance. I come to learn that I had my own separate account that was opened all the way back in XXXX. I had never had a card up until XXXX and the charges that were present on the account was the annual fee XXXX years that I had never paid because I didn't even know the account existed. I have an excellent credit score and for the credit cards that I have THAT I KNOW I HAVE, I pay on time every single month in full. Why would I have a credit card open and not use any of the perks or spend the required amount to get the bonus points? It makes absolutely no sense and so I filed the card as fraudulent around XX/XX/XXXX. The case got denied and so I escalated the case and it was re-opened and denied yet again in XX/XX/XXXX. Now I have {$1500.00} of owed money that I refuse to pay and it is affecting my credit score. I really hope you can help me. The card is no longer active.
Product: Credit reporting

I disputed the payment history with the letter dated XXXX. I have not heard anything until when I pulled my credit yesterday with XXXX XXXX, Equifax is showing that my balances are over utilized and that I was 60 days late with the XXXX credit card. This is defaming my name. I am now applying for an apartment and these inaccuracies are resulting in the inability to get an apartment. I expect immediate correction of the payment history of XXXX XXXX Credit card. Also, the balances are incorrect. It should read {$0.00} balance for XXXX CC an {$0.00} for the XXXX XXXX. 

Thank you,
Product: Debt collection

I filed a previous claim with the CFPB on XX/XX/2023 case # XXXX ( please refer to this for case notes ) against collections for XXXX XXXX XXXX XXXX XXXX XXXXXXXX a debt collection company that posted negative information on my credit reports regarding a bill that I do not owe. XXXXXXXX XXXX XXXXXXXX was sent by certified mail a debt validation letter and did not respond to my request and the the Federal Trade Commission was notified as well. The case was closed and removed from my credit reports. 

Now XXXX XXXX has a new attack dog by the name of the CBE Group, XXXX XXXX XXXX, XXXX XXXX, IA XXXX who posted negative information on my credit report and has NEVER notified me in any way that a debt is owed. All they did was slam it on my credit report. 

I humbly request that the CFPB investigate the highly unethical procedures of the the CBE group and their practices as I totally dispute and monies owed to them.
Product: Credit card or prepaid card

A fraudulent credit card application was made using all my personal information and on XX/XX/2017 {$20000.00} was charged on a Capital One credit card. I did Not make application for this Capital One credit card and I did Not sign for this application in person, on paper and mailed, or online. I alerted Capital One of the fraudulent application and charge. I have a fraud alert in all 3 credit bureau 's and I attempted to file a fraud credit card report with the Sheriff division however, their opinion is it's a civil problem and it's between you and the credit card company. Capital One closed the account however they later changed the credit card numbers and continued billing me after they had closed the original account under a new set of credit card numbers. In order to maintain my excellent credit score and good credit reports I began to pay minimum payments until the fraud issue could be completed and the account would be closed permanently. Unfortunately, Capital One did not report the credit card fraud to the 3 credit bureau 's and only reported the amount of {$20000.00} of which ruined my near perfect credit score. I have requested several times a copy of the signed credit card application showing my signature and how it was signed. As of today 's date Capital One has not provided any of the documents I have requested of which is under the consumer 's regulatory mandated rights. If I do not receive resolution to this fraudulent credit card claim I will be forced to seek legal council to rectify this issue. I will also forward this information to other governmental agencies in regards to how Capital One has handled this fraud claim.

Best Regards, XXXX XXXX XXXX