23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted A payment in the amount of {$2300.00} to August REI. We closed on XX/XX/2021 for refinancing and therefore XXXX payment was not due to the mortgage company. I received a partial refund in the amount of {$1600.00}. However, I should've received the full amount of {$2300.00}. On XX/XX/2021, A payoff request was submitted to the title company with amounts valid thru XX/XX/2021. The pay off amount as {$49.00}, XXXX. The title company paid {$49.00}, XXXX on XX/XX/2021. I would like the remaining balance of {$670.00} to be refunded.
Product: Credit card

I have been discriminated against and treated unfairly by Barclaycard Delaware. Recently, I was notified that my credit limit was reduced by {$600.00} because I was " nearing my limit ''. I was at least {$900.00} away from my credit limit at the time it was reduced. When my card was declined today while making a purchase, I called customer service to find out what was happening. I was told a letter had been sent in the mail the day prior ( yesterday ) explaining why my credit line was reduced, which as stated, was because I was nearing my limit. Why am I given a limit if I ca n't get near it other than to potentially charge a fee or harm the consumer? The customer service manager also told me that it depends on my " overall credit health. '' However, my credit health, according to their XXXX reporting system is XXXX -- which happens to be over XXXX points higher than my husband 's who was just given a credit limit increase. This is not the first time I have seen my husband 's credit limit increase while mine has stayed the same or, like this time, been reduced. Our credit reports are virtually the same -- he has a higher debt to income ratio because of our mortgage, which is why I believe his score is typically lower than mine, yet he has consistently received credit limit increases ( without request ). This has been a consistent issue with Barclaycard Delaware since opening our accounts, which occurred within a few months of each other. I can find no other reason for this other than discrimination in their portfolio management. I have never been late, I have never gone over my credit limit, and my account has remained active and in good standing through my entire history with the company. Now, because my limit was reduce, a purchase of mine will put me over my newly reduced credit limit, which I believe will harm my credit score and overall portfolio history with the company, should I decide to keep my account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Bank account or service

TCF Bank had a check come in that overdrew my account, I spoke to TCF and I deposited cash funds the same day so that the check would be paid. Instead of paying the check TCF returned it and charged an overdraft fee of {$37.00}
Product: Debt collection

I spoke with them in regards to my request for all the information on this account and explain to them that it was not my account they said they would send something in the mail what I receive was not that what I requested I was sent a letter stating that I had agreed to pay {$260.00} when I had never agreed to anything I wanted to have the information for the account so that I can actually go to the police station and filed a report they still have never sent me anything they just sent me a letter saying I have breached the agreement for the credit card payment of {$260.00} which I never agreed
Product: Credit card or prepaid card

I had some issues with some rebilled charges on my credit card with Walmart capital One have failed to rectify this issue I received a correspondence from capital one stating that they will credit my account any interest and any rebilled charges to my credit card however I have not seen any credits besides one for the amount of {$83.00} the other charges are still not credited and I have not seen them as of yet I received the correspondence on XX/XX/XXXX stating that all these charges that were rebilled and interest will be credited back havent received none I lost the correspondence stating such and cant find it on the online profile to provide proof
Product: Credit reporting or other personal consumer reports

I did not grant permission for these inquiries and strongly suspect they are fraudulent. I urge you to conduct a thorough investigation and promptly delete them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Fraudulent Activity on my credit report I am writing to dispute the actions of TRANSUNION and laws they have broken against my rights as a consumer. 

These items are fraudulent and in violation of many laws for the following reasons : TRANSUNION is violating my privacy rights as a consumer according to 15 U.S Code 1681 ( a ) as far as accuracy and fairness of credit reporting and 15 U.S. Code 1681 ( b ) in not adopting reasonable procedures in accurately reporting my credit as a consumer.

Reporting transaction history is illegal and another violation of my rights by TRANSUNION according to 15 U.S Code 1681a ( d ) ( 2 ) ( A ) ( i ).

TRANSUNION has also violated my rights as a consumer according to 15 U.S Code 1681b ( a ) ( 2 ) as there has been given no written consent by me. This is also in violation of the Fair Credit Reporting Act.

My rights, stated in 15 U.S Code 1681c ( a ) ( 5 ), which says no consumer reporting agency may make any consumer report containing any adverse information besides the conviction of crimes, are being violated as well by TRANSUNION.

According to 12 CFR 1022.3 ( h ) this is identity theft, because I did not give my consent to TRANSUNION, which is a crime and violation against another one of my rights.

TRANSUNION is being asked to block this information from my consumer report as per 15 U.S Code 1681c-2.

TRANSUNION has also violated the rights given to me as a consumer in 15 U.S Code 1681e ( a ) & 1681e ( b ) for allowing DEPT OF EDUXXXX XXXX XXXX  XXXX to furnish this information on my credit report in violation of FERPA ( Family Educational Rights and Privacy Act ) 20 USC 1232g ( b ), and by not maintaining reasonable procedures to assure maximum possible accuracy of my information as a consumer.

5 U.S. Code 552a ( 4 ) states that it is illegal for TRANSUNION to have any item, collection or grouping of information about me as a consumer, including my education and financial transactions while at the same time containing my name or other identifying numbers. This is in violation of my rights.

5 U.S. Code 552b states that TRANSUNION violated my rights in disclosing this information without my written consent.

TRANSUNION has also violated my rights in regards to 5 U.S. Code 552b ( 12 ), as they have not obtained consent from me to disclose my information to any other consumer reporting agency in accordance with section 3711 ( f ) ( 1 ) ( E ) ( iii ) of title 31.

I am requesting that TRANSUNION have the item removed.

Enclosed is a copy of my TRANSUNION credit report as well as a copy of the fraud report I filed with the Federal Trade Commission. Please investigate this matter and contact the nationwide credit bureaus to have them delete or block the disputed item ( s ) as soon as possible. 

Warmly, XXXX XXXX Enclosures : A copy of my State ID & A copy of my filed identity theft report, A copy of my TRANSUNION credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by Equifax Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of a false late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX  Account Number : XXXX Reported Late Payment : XX/XX/XXXX High Balance : {$2900.00} Balance Owed : {$0.00} Account Status : Closed, Paid Account Type : Unsecured Loan Term Length : 18 months Evidence of Errors : Auto-Pay Enrollment : I have been enrolled in autopay, ensuring all payments were made on time. 
Discrepancy in Reporting : Equifax incorrectly reports a XXXX late payment in XX/XX/XXXX despite no missed payments being made. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payment for XX/XX/XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA.

Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On two occasions this year I had fraudulent charges made on my credit cards that I immediately notified my credit card company about but in both cases I was told that a chipped card was used so could not have been fraudulently used so my claim of fraudulent charges were denied. First time was with my Citi Visa card on XXXX at my local XXXX grocery store for over {$600.00} and the second time was at the same XXXX store with my XXXX XXXX on XXXX for almost {$300.00}. In both cases, I had purchased gasoline at this same XXXX store before the fraudulent charges were made ( the same day for my Citi card and one month previously for my XXXX card ). In both cases the credit card company said that because my card 's EMV chip was used and the card was in my possession ( I am certain of that ) then the claim was denied because chips " are unable to be fraudulently used ''. XXXX did not respond when I sent them details of what had happened. Clearly criminals have learned how to fraudulently replicate chipped cards and I really would like to discover how many other people have had this same experience with their credit card companies when they report the fraudulent use of their credit cards that have an XXXX chip and have been denied recompense by the credit card company. These companies are denying the vulnerability of these chipped cards which puts the consumer at a huge disadvantage.
Product: Credit card

Yes I received my Capital one credit card a week ago activated it and set up everything for the account alerts, verified email, and verified my mobile number and its set up at priority. I used the card at a gas station for the first time after this first and ONLY PURCHASE I had to call to verify that I was making the transactions and it was not fraudulent which I told them I was the one who is using the card and I was authorizing the transactions NO FRAUD WAS BEING DONE!!! Told account was verified and restored for use well it's not worked at!!! 

I'VE CALLED OVER 50+ TIMES AND CHATTED OVER 20+ TIMES AND KEEP GOING THROUGH THE SAME THING AND KEEP GETTING TOLD ITS FIXED AND RESTORED FOR USE BUT IT'S NOT I DON'T LIKE BEING LIED TO!!!! 

I'm getting alerts that are set up it's just not right and no one person should have to go through this or keep having to do it there is nothing saying anything about it being restricted
Product: Debt collection

on XX/XX/XXXX I received a voicemail from a caller id blocked number, when i checked the voicemail it said i was going to be served on XX/XX/XXXX, and to call XXXX, when called i told i was being sued for a XXXX bank account and that I was going to be served, when i started asking questions, they hung up on me and now wont take any calls.. upon review I found this https : XXXX They called themselves CRS and associates
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report. Specifically, I am requesting the removal of two credit inquiries that I do not recall authorizing. 

The first inquiry was made by XXXX XXXX on XX/XX/XXXX. I have no recollection of authorizing this credit pull and I demand that it be removed from my credit report. 

The second inquiry was made by XXXXXXXX XXXX, with account number XXXX. I have no recollection of authorizing this credit pull and I also demand that it be removed from my credit report. 

I believe that these inquiries have negatively affected my credit score and creditworthiness, and I request that they be removed as soon as possible. Thank you for your attention to this matter. 

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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/2019 I made a {$3000.00} payment to a mortgage loan to pay just to the principal of the mortgage loan. As of today, XX/XX/2019 the payment to the principal has not posted. This was made to US Bank in XXXX Wisconsin. I have called several time directly to the bank and continue to be told this will take several days. I then called the corporate office and was told the same thing. I am paying interest daily on the mortgage. Years back the money was posted to the account that day or the next day. This is the tech age and should not take this long. Please help. I did call the phone number for banking complaints and was told I need to submit online so here you are. The {$3000.00} is a high amount of money for me and need some assistance.
Product: Mortgage

I have been in review for a loan modification for quite some time now. My loan transferred to Bayview Loan Servicing XX/XX/XXXX, when I submitted a loan modification to them. I have been back and forth with them in submitting documentation continuously. More specifically, I have been informed by multiple representatives that my file had been in review and was with their Underwriting Team since XXXX/XXXX/XXXX ( that 's how they were able to postpone the multiple sales on my account ). On XXXX XXXX, i received a call from the representative with Bayview and was advised that my file had still been in underwriting and the sale date which was originally scheduled for XXXX/XXXX/XXXX was placed on hold. I called on back on the date of XXXX/XXXX/XXXX to see how things were going with my review and was informed that my home went to sale earlier that morning. Unbeknownst to me, i was complete shock since i was just notified that my file was with their underwriting department and advised my sale was placed on hold. I asked to speak with management and was told they would need to call me back. I didnt receive a call back for a couple days only to receive a denial letter dated XXXX/XXXX/XXXX ( after the sale took place ) that my loan modification review had been denied. The manager contacted me on XXXX/XXXX/XXXX and i was told that that they had made a mistake and that they would be rescinding the sale but that it would take about a week. They then told me that it had been denied for the HAMP modification program but that it would be approved for an in house. They advised the home went to sale to a 3rd party but they would be contacted to let them know that the sale would be rescinded. I followed back up with them on XXXX/XXXX/XXXX, spoke with XXXX XXXX who informed me that a decision had been reached by their Senior Management Team that the foreclosure will no longer be rescinded. They didnt care that i had a perfected file in review with their Underwriting Team and they were not concerned with the Homeowners Bill of Rights and their decision still stands. This is such a violation with everything that the Homeowner Bill of Rights stands for. This is a home that i worked very hard for and now was taken from right under me. I complied with everything they ever requested and never balked on any information they requested. I really need you help. Now they are not budging on anything they had previously stated and are taking my home. HELP HELP HELP!
Product: Mortgage

I lost my $ XXXX. to a lie and was black balled in the education profession. Our teacher unions failed us but XXXX will take of this unjust situation! I have been unemployed and underemployed off and on since then. My mortgage company refused to modify my loan even though I informed them of my work situation. I have the White House and the Office of the Comptroller involved with this situation, I have been actively employment. This stress has caused me to have XXXX, XXXX and XXXX XXXX XXXX. Currently, have to go back and forth to the ER and XXXX XXXX XXXX for treatment. 
I filed numerous complaints to Office of the Comptroller, White House, XXXX, &. XXXX XXXX XXXX. Last year I told the I plan to sell the house. All of a sudden the mortgage went up to {$2400.00}. How did it go up that high when I could afford {$1800.00}?
Product: Checking or savings account

I needed to send a wire for {$17000.00} from Capital One bank. I tried to do it on Friday, XX/XX/2023. I have {$58000.00} in the account I want to wire from. It says you can send a wire from the web site which I tried but kept getting a message that read Sorry error occurred, please try again later ( paraphrasing here ). I called and spoke to a woman on Friday and she said she entered my number on a white list and authorized the wire so I should wait 15 min and then the wire would work. It did not. 
I tried again online on Monday, XX/XX/2023 and received the same error. I called again on Monday and spoke to XXXX employee ID XXXX. He said that he was unable to send a wire, that I needed to do it online. I said I could not do it online because their website was not working properly. He said there was nothing he could do. He told me he was the uppermost management person there that day so I was refused the option to speak to a supervisor. He suggested that I drive to a XXXX XXXX bank, use my Capital One debit card for a cash advance, and then put the money into the recipients XXXX XXXX account. I said I did not think that XXXX XXXX would allow me to do that. I also said that MY money was in Capital One bank and that I wanted to send a wire from MY bank. Not possible was the response I received. I asked if he could change the XXXX limit for a one time transaction and he said no. I asked if he could send a cashiers check to the recipient and he said no. I said its my money and my bank, I should be able to do this. No, was the final answer. Shouldnt I be able to send a wire from my bank?