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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit card or prepaid card

Merchant charged my credit card and was not able to provide committed services. I filed a dispute in XXXX, XXXX. First it was very difficult to make it understand to Bank of America. Merchant did some partial refund in XX/XX/XXXX. I called Bank of America again asking for remainder. In XX/XX/XXXX I was over refunded. I paid back over refund charges to as the charge was posted on my account. Now in XXXX statement I got two of the same charges posted on my account again. Each charge is {$1600.00}. Bank of America said that since I got the refund from Merchant, so they are taking back what they credited. First, I never got full refund from Merchant. Second, Bank of America is taking back more than they credited. It is more like a white-collar crime. I have a habit of going through each charge on my bank statement. But, what about people who trust these Banks and pay statement balance without looking at charges.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # FTC Report Number:XXXX  attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent goodwill letters to the CEO of Capital One regarding late payments on my credit card account from XX/XX/XXXX to XX/XX/XXXX. The reason for the lateness was because of financial hardship due to being laid off and the unemployment extending longer then expected. In both attempts in requesting to have these lateness removed I was denied my request. I have been a loyal customer of Capital One since XX/XX/XXXX and this is the only time I have ran into this issue. Since XX/XX/XXXX I have been paying this account on time and have not have a late payment since as well as had a car loan account with Capital One which was never paid late.
Product: Debt collection

I have below the invoice that will be sent off to portfolio recovery associates I want the account updated and removed, as well as all personal history, details, all addresses on file, basically I want my private information out of this and other companies hands immediately!
Product: Credit reporting or other personal consumer reports

I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.
Product: Mortgage

I am the XXXX for the XXXX of XXXX XXXX. I have attempted to contact Freedom Mortgage and no one has been willing to speak with me. The account is still under review. I will refer to Freedom Mortgage as " FM ''. The first court ordered document that I submitted to FM was on XX/XX/XXXX. The second set of court ordered documents and my ID were submitted to FM on XX/XX/XXXX. As requested by FM 's service team, I had to wait for someone to review the documents. I was told to call back several times. Then I was told the documents sent on XX/XX/XXXX were never received and that I had to wait for the review to take place. I emailed the documents on XXXX. I have been waiting to speak with someone regarding the account and then find out that the property was being foreclosed on. I was told on XX/XX/XXXX ( by FM XXXX team ) that I would be able to make a payment on the account ( no one before was willing to help me handle this account ), that I would need to bring the account current and suggested to add an additional " about {$500.00} '' to the payment. I was given the wire information. I submitted the funds on XX/XX/XXXX. I have actively been attempting to speak with someone regarding the account to get the account current, to get account details and to handle the estates property. This is already a stressful time, having to deal with a loved one who has passed away. The process I have been put through dealing with FM has really been overly stressful. I have been active in getting everything that FM needs but I have not been given the same respect. To make matters worse, FM did not wait a few days for the review to be completed before marking the account as an Active Foreclosure, this just adding more stress. I have been active in getting the account taken care of. I sent the first court document on XX/XX/XXXX, second court issued documents and my ID on XX/XX/XXXX. I sent the documents again on XXXX. I called again on XX/XX/XXXX and no one is willing to speak with the. The account is still " under review '' and they are still not allowed to speak with me. 
Finally was able to speak with someone regarding the account and was able to make a payment but I was charged over {$1700.00} in fees. 
I would like to request for these fees to be waived since I actively was attempting to handle this account for the XXXX. I called several times a week and I kept being informed the documents I sent were still under review.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a chapter XXXX XXXX. The case was discharged on XX/XX/XXXX in the XXXX XXXX XXXX. Two mortgage accounts that had late payments were not deleted and Experian has continued to show the payments as late as if they were still open accounts. 
The first creditor is, XXXX XXXX, account XXXX. The second account is XXXX XXXX, account XXXX. The XXXX XXXX account was paid off in XX/XX/XXXX. The XXXX XXXX  account was paid off in XX/XX/XXXX. Please note that both of these accounts were paid off LONG before the XXXX  XXXX was filed. 
The impact of this is causing my PAYMENT HISTORY to show as FAIR when is should show as EXCELLENT. All accounts opened AFTER THE XXXX was XXXX on XX/XX/XXXX have been paid on a current basis with no late payments. THE CASE # is XXXX XXXX XXXX. 
Other then continuing to send disputes I have not been able to get through to a human being.
Product: Mortgage

In 2014, I received a permanent loan modification on my mortgagewith Nationstar upon satisfying my XXXX consecutive trial modificationpayments. At the end of making those payments, I had funds left in asuspense account which amounted to {$1300.00}. It is myunderstanding that according to the Securities Instrument, thatthese funds were supposed to be applied to interest and principalbalance first. I requested that the suspense funds be applied in thisprescribed manner. However, Nationstar took it upon themselves toapply the suspense account funds to my escrow instead, without myknowledge or consent. At that time I was represent by legal counsel, namely, XXXX XXXX XXXX of Delaware, in XXXX, DE, who drafted and submitted a " Notice of Error '' to Nationstar on mybehalf. To date, there has been no resolution to rectify the misappliedfunds. The Notice of Error clearly demonstrated Nationstar 's blatantdisregard and violation of the protocol set forth by the SecuritiesInstrument as it applies to the allocation of suspense funds. Inaddition, I was promised that my first contractual payment ( postmodification ) would be made from the suspense account. Since mynew payment amount was approximately {$1100.00}, I would have alittle more than {$200.00} left in suspense, which was to applied toward thefollowing month 's payment, for which I would make up the difference. 
It was further agreed upon that I would be notified of the amount ofthat difference payment. Being that none of this came to fruition, Iwas left in a position to have to pay and subsequently becamedelinquent! My credit has suffered and I have incurred late paymentfees trying to get caught up and remain current. Nationstar has beenvirtually non-responsive and uncooperative to my attorney 's demandsand numerous requests for relief and rectification this situation.
Product: Credit reporting

i have been disputing a file for over a year now with XXXX and experian and XXXX, XXXX has been the only company to comply. i contacted XXXX on many occasions informing them i was also recording the call and they would flip out in protest about it as if i dont also reserve the right to record the call as they do for " quality intrent purposes ''. i have made them aware on multiple occasions that XXXX companies XXXX and XXXX had been inproperly reporting records on my reports and i want them removed immediately. i have even in goodwill attempt sent certified letters, made phone calls while recording the call myself for retainment, and had pleaded to get these accounts off my record as they are not mine. XXXX has been the only XXXX to remove them after finding they were not mine in their investiogations but XXXX and experian still havent complied, i have even contacted the companies and requested debt validation forms, " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act an the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting ''validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' is what i write in essense as well as quoting the violations they are comitting, '' *defamation *negligent enablement of identity fraud *violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) *violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. '' i have been very formal and yet these items still remain and they just continuously disopute rather then delete, the only reply i got back from XXXX has been that the are not obligated to supply me with the requested information, and they even use a provision of my name which violates websters ninth new collegiate which states XXXX grammer shall holds no provisions over names. i would like these accounts removed at once this has gone on long over a year now and these companies fail to comply with FDCPA, AND FCRA. verizon just flat out ignores me and when i call they hang up on me after transfering me 6 times
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX, I began looking into my credit report because I wanted to make sure I was credit ready for loans. I reviewed my report and it was 90 % flawless. The only thing on my report that was derogatory was a paid collection that was reporting across all three credit bureaus. The only problem with that, is that it did not belong to me. The account said that it was a collection for a XXXX XXXX XXXX. Neither me, my wife, nor any of my children have ever been to XXXX XXXX XXXX. I 've never even heard of them. I swiftly disputed the account with all three credit bureaus. Within 30 days of my dispute I received a notice from both XXXX XXXX and XXXX  showing the account had in fact been erroneous and deleted from my credit report. I did not receive a similar letter from Equifax. I received no letter at all from Equifax. It has now been nearly 4 months and I have yet to receive any notification of any kind from Equifax. This is not the only time this has happened in my househould. My wife had the same problem from Equifax and she started the process long before I did. She started in XXXX of 2016. She even attempted numerous times to no avail. Ultimately she had to contact you and file a complaint on XX/XX/XXXX of this year before Equifax decided to actually respond and delete accounts that did not belong to her and had been deleted by the other 2 credit bureaus months prior. I do not feel like waiting 7 months. Because of what my wife went trough, I did research on this matter and found out that the F.C.R.A. only gives Equifax 30 days to complete a reasonable investigation as well as mail me written results of the investigation. It 's been more than enough time and I will not put up with any lame excuses from Equifax stating that they felt the letter came from a credit repair company so they ignored it. If they do not delete the account from my credit report I will sue them as this has literally cost me plenty of business opportunities as I am a business owner and need my credit to complete large transactions.
Product: Credit card or prepaid card

To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud. 

They recently claimed they found not fraud on my account which is inconsistent to what I have originally reported to them. My phone was lost with my wallet, my virtual card is on that phone. How can you not find fraudulent activities on my card when that happened?? 
Moreover, I don't have access to this email address XXXX anymore because it was hacked into when I lost my phone. 

Again I received no communications from XXXX to its day. No reasons given as to why they closed my account either.
Product: Debt collection

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Kinum , Inc. Account # XXXXReference # XXXX, Kinum, Inc. Account XXXX U601975D77****Reference # XXXX, Kinum, Inc. Account # XXXX Reference XXXX 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 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 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Product: Credit card or prepaid card

Because I was vacationing outside the U.S. I sent money via bank bill pay to XXXXhree credit card companies in advance of receiving their bill. Two of the three were happy to receive money in advance of that money being due. CHASE however did not recognize that pre-payment as being toward the next statement I was to receive, and could not tell me how it was processed ( even though they did acknowledge receiving it. ). So in their accounting I did not pay that bill, which was less than what I sent them, and are charging me fees as past due. What kind of policy is that??? Money in advance doesnt work? 
I went through 2 Chase representatives and one supervisor to no avail. Please help a consumer who tried and did the right thing. Thank you, XXXX XXXX
Product: Credit card or prepaid card

I am Capital One Venture card customer with a {$30000.00} credit limit. I make large payments and use capital one to take advantage of their Miles reward program. I barely use capital one travel and recently have nee using it to get the miles. I reserved a hotel and accidently put in the incorrect date. When I reviewed my email and realized days later that I did that in error I tried contacting the credit card company. they told me to contact capital one travel so I did. Well the first rep that helped me was very rude and not helpful at all. she told me I couldn't get a refund because it was non-refundable, I explained to her all I wanted to do was put in the correct date. She still wasn't trying to help. I decided to call the hotel myself. The hotel said they would refund me the money as long as i had a new reservation that showed on my account, but that i would have to do it with capital one travel and theyh would contact hotel and reverse the charge. Icalled Capital one back and explained to them and told them what they had to do and this rep was a little more helpful but still did the wrong thing. she requested a refund and the hotel denied it. She did say someone woul call me in 48 hours and 2 weeks pASSED AND NO ONE CALLED ME. So i decided to call back again and thats when i found out the hotel denied the refund and i explained to them that of coursethey were going to deny it. because its non refundable at that point i escalate the problem and got a supervisor who somewhat helped me. I called the hotel again and they told me the same thing. Well we did it again and the sup informed me to make sure i reserve a refundable transaction this time to avoid having the problem. Well, the hotel denied my request because they said what if we refund the customer their money and they cancel their reservation. So then i decide to place a dispute with he credit card and that was rejected. so no matter what way i lost almost a thousand dollars due incompetence. The hotel also informed me that their penalty is only ne night but the credit card kept all my money. I feel i am a very good customer with very good history and make my payments on time. Capital one travel also uses expedia who is very good with their customer service but capital one travel was horrible and worst experience ever. I am a very good loyal customer for the huge bank not to want to help me. When they give thousands of miles away to get someone over to be a customer but couldnt help me with my travel issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was reported 30 days late XX/XX/2019 but account was paid. Creditor agreed to remove delinquent reporting with all credit bureaus but has yet to provide an update to XXXX   and Equifax. I would like the delinquent remark removed from my account and to reflect accurately on XXXX and Equifax.
Product: Debt collection

Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.
Product: Debt collection

XXXX has reported your account as over or at your credit limit. Experian and this company is not trying to work this situation I ask them to verify the information send me a contract on validate the debt owe in they hit me with im over the limited I also gave a police report on the debt it was also remove in put back on by ExperianFor example, in a copyright infringement lawsuit, section 504 of the Copyright Act provides that the copyright owner may elect, at any time before final judgment is rendered, to recover, instead of actual damages and profits, an award of statutory damages for all infringements involved in the actionin a sum of not less than {$750.00} or more than {$30000.00} as the court considers just. In a case where the copyright owner sustains the burden of proving, and the court finds, that infringement was committed willfully, the court in its discretion may increase the award of statutory damages to a sum of not more than {$150000.00}. In a case where the infringer sustains the burden of proving, and the court finds, that such infringer was not aware and had no reason to believe that his or her acts constituted an infringement of copyright, the court in its discretion may reduce the award of statutory damages to a sum of not less than {$200.00}.