23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have XXXX charges I have disputed twice with no resolution. Both charges were with XXXX different merchants both billed to a chase card ending in XXXX. 

The first was a hotel charge for XXXX XXXX XXXX XXXXXXXX ga on XX/XX/XXXX. For XXXX. The second was a XXXXXXXX XXXX charge on XX/XX/XXXX for XXXX. 

I did stay at both hotels and used points and had no charge for the room. I also had free breakfast at both. Parking was free at XXXX XXXX XXXX. XXXX had a charge but waived all my parking charges. I did not charge anything to my room on either merchant. 

I have tried to dispute these twice with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 public records that were appearing on my XXXX  credit report. My repeated disputes have gone unresolved since XXXX of this year. I am now requesting further assistance from an outside source. I am requesting to have two public records immediately removed from credit file. XXXX  originally deleted the two public records on XX/XX/19 from my credit file. However on XX/XX/19, both public records were reinserted without the proper legal notice being mailed to me. Per FCRA Section 611, if any information has been deleted from a consumers file is reinserted, a consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion that the information was reinserted. I was not indicated via mail nor electronic delivery that the two public records were reinserted. I have been disputing this information every 30 days since XXXX and I have gotten no where. In fact I have spoke to several XXXX  dispute resolution specialists, who each give significantly different responses pertaining to the investigation. I feel as if the consumer reporting agency, XXXX  is purposely not removing incorrect information. This is discrimination and illegal.This is causing significant damage to my credit file and my ability to obtain credit. I am requesting to have both bankruptcies, chapter XXXX and XXXX removed, in addition to all accounts that are associated with the bankruptcies, to be removed. My reason to dispute this is that all the information appearing on my credit file pertaining to the public records is false. The address to the court house in XXXX XXXX of TN is incorrect, the case number is not a valid case number and XXXX sent fraudulent investigation results via mail stating they verified via directly with Court, who sent a response denying such. I contacted the XXXX County XXXX XXXX here in XXXX, TN who indicating that the bankruptcy court can not report any information to the credit bureaus as it is illegal. Thus, I can not believe any information that XXXX sends as a part of my re investigations, because they have used illegal practices. Please require XXXX to remove the bankruptcies immediately.
Product: Mortgage

Due to the loss of Employment and Covid 19 in 2019, we got behind on our mortgage payments. We are currently approx. {$15000.00} behind. We have been granted a forbearance but now it's expired and my multiple requests for modification have been denied after I've made the last 4 payments reducing the original amount from {$20000.00}.
Product: Bank account or service

hsbc needs to clear this off my cr report, this was settle since 2011,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered multiple inaccuracies in my credit report from Experian. I immediately disputed these errors, citing FCRA violations. The bureau failed to properly investigate and correct the issues : Account XXXX  XXXX ( XXXX ) was reported as opened on XX/XX/XXXX with a last payment in XX/XX/XXXX, despite my FTC Identity Theft Report filed on XX/XX/XXXX. This violates 15 U.S.C. 1681c-2. 
Experian failed to remove the XXXX  XXXX account after my initial dispute on XX/XX/XXXX, as evidenced by its continued presence in the XX/XX/XXXX report, violating FCRA XXXX ( a ). 
A XXXX XXXX  XXXX account remains on my XXXX report despite my dispute, breaching 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
An obsolete XXXX XXXX  XXXX account opened in XX/XX/XXXX exceeding the 7-year reporting limit for charge-offs is still present, violating 15 U.S.C. 1681c ( a ) ( 4 ). 
I sent certified dispute letters on XX/XX/XXXX and XX/XX/XXXX, but Experian failed to respond within the mandated 30-day timeframe. Their inaction has severely impacted my credit score and financial opportunities.
Product: Credit card or prepaid card

Hello, on XX/XX/XXXX I made a payment to XXXX XXXX for {$1000.00} using my new PNC Cash Rewards card. The purchase was meant to meet the {$1000.00} requirement within the first 3 billing cycles to receive a {$100.00} cash back rewards offer. I also assumed that the {$1000.00} would get a 1 % kickback ( on normal rewards ). I noticed that the rewards had n't posted to my account, so I called PNC. A representative advised that my {$1000.00} purchase did n't qualify for the rewards, which I contested. I was then sent to a supervisor, who also refused to work with me. When I mentioned that I was going to file a CFPB complaint, he escalated me to XXXX in the escalations department. XXXX advised me that he would advocate on my behalf and work towards making an " exception '' for my {$1000.00} purchase ( he made no promises ). He also gave me his phone number, XXXX, and told me he would follow up with me shortly. Well, it 's 15 days later, XX/XX/XXXX, and I have n't heard back. I 've called him several times and left him several messages, and have not received a return call. My {$100.00} reward still has not posted. I 've used other cards for a similar purchase and have never had an issue in the past. I read the terms for the rewards and my purchase does not fall under any restrictions. PNC has their merchant code flagged incorrectly. All around, this has been a very bad experience with PNC.
Product: Debt collection

A notice of cease and desist, as well as a request for proof of contract sent to Performant Recovery , Inc on XX/XX/2019. However, they refuse to respond. Instead harassing and contacting me everyday a couple of times a day.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I ordered XXXX LTC ( Litecoin, Price per coin : {$150.00} ) via my linked bank account to coinbase Inc. for {$1700.00} USD, and XXXX ETH ( Ethereum, Price per coin : {$470.00} ) via this same payment method for {$2000.00} USD. On XX/XX/XXXX, I ordered XXXXXXXX ETH ( Ethereum, Price per coin : {$460.00} ) via same payment method for {$1200.00} USD. The money for these cryptocurrencies was withdrawn from my bank account on XX/XX/XXXX. Usually, the coins take 7 days to be deposited to my coinbase account. However, the three orders were canceled consecutively by Coinbase Inc a day before the scheduled delivery. I tried calling the customer service line in more than five different occasions, and there was no positive response from them, I have also sent couple of emails and created complain tickets, all to no avail. 
They have not delivered my coins, and they are still holding the money I paid for these coins. 
Since then, the prices of these coins have risen to : Litecoin, Price per coin : {$360.00} ; and Ethereum, Price per coin : {$840.00} as at the time of this complaint. 
Also, my account has been temporarily suspended from buying anything on Coinbase.
Product: Mortgage

I have been a victim of Select Portfolio Servicing. The problem started when I received a notice that my property was being sold for back taxes. I received a notice that my property was being sold at a scavenger sale in XXXX XXXX. Upon me learning that my property was being sold I contacted Select Portfolio Servicing asking why my property was being sold when I have been sending my mortgage payments for the last eight years on time. Please see correspondence dated XX/XX/XXXX. Inside the correspondence you will see copy of the checks that were cashed by Select Portfolio Servicing. Upon further investigation I received correspondence dated XX/XX/XXXX stating that the checks were never cashed and returned to me because the mortgage was released eight years ago. I then contacted XXXX  XXXX which is my banking institution and they provided me a letter dated XX/XX/XXXX showing that Select Portfolio Servicing was cashing all my checks a total of 88 checks totaling over {$88000.00}. Select Portfolio Servicing has engaged in serious fraud by cashing my checks and not paying the property taxes as required. On XX/XX/XXXX I received a notification that my property taxes were sold in the scavenger sale and the redemption period is up on XX/XX/XXXX. I am a XXXX XXXX XXXX that has been victimized by this servicer and I respectfully request a complete and thorough investigation into their misconduct and their violation of Illinois Deceptive Practice Business Act, violation of Truth in Lending they mysteriously stated that they returned all my checks when in fact I have proof that they cashed all the mortgage payments knowing that the mortgage was released in XXXX. I never received any notification from the XXXX stating that the mortgage was released back in XXXX. For the last 7 years they have been cashing my mortgage payments and never paid any of the property taxes and insurance. I am great danger of losing my property and requesting assistance from your agency and seek and return of the {$88000.00} in mortgage payments that they were not entitled to cash so that I can redeem my property that was sold because of delinquent taxes. Select Portfolio Servicing knowingly and intentionally with a deliberate indifference were cashing my checks knowing that they were not entitled to those payments.
Product: Debt collection

ALLY FINANCE, XXXX, XXXX Amount {$14000.00} via phone requested the following ; requested original written documentations that I gave to permit this info on my credit profile I disputed to both XXXX and XXXX 15 U.S. Code 1681 a2 specifing I did not give them permission.
Product: Credit card

Purchased an item in XXXX and never received a bill. They stated we requested paperless. That was not the case. We never received a paper bill or a bill to my email account. They removed some fees but not the high interest charge. The also closed my account for delinquency. Again, I never received a paper or paperless bill. I received a paper notice that I was delinquent. That was my first knowledge of the open bill. After multiple phone calls they wound not remove the interest charges. To resolve the issue I paid {$89.00} for a {$48.00} item. I was then told I may owe accrued interest even after I just paid them. 

A sweater was purchased at Banana Republic in XXXX for {$48.00}. We spoke with Barclay credit card company on XX/XX/2024.
Product: Checking or savings account

I use a number of financial management applications that leverage fully legal financial aggregation services to pull my checking, savings, and credit account information together. This is imperative to budgeting for my family. Over the course of the last two months, Capital One has taken an active role in blocking my ability to use these 3rd-party services with my data stored in Capital One 's systems. I am filing this complaint in response to discovering that this was not just impacting me, but all Capital One customers -- My financial data is my own and I should be permitted to use my data however I so choose, not just in the prescribed, highly restricted access Capital One offers. In calls with Customer Service, I was told that this restriction is put in place for my own protection, however that is not Capital One 's place to be able to make that distinction -- I get to choose where I bank, how I bank, and with whom I share my banking information.
Product: Credit card

I opened a Apple card account in XX/XX/XXXX with a credit limit of XXXX USD In XX/XX/XXXX I spent XXXX USD using this Apple Cards Credit. I made payments of XXXX USD on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX. The Items that I purchased for XXXX that I initially used this card credit was returned to the Apple card by the merchant because I did not keep the products. These payment caused my credit card to become have a XXXX USD credit available plus XXXX over within the account. I was then notified that credit limit was increased to XXXX USD without applying or agreeing to it. I contacted the Apple Card Specialist to decrease the credit balance back to XXXX USD because I have spent XXXX USD and was charged interest of 24.24 % XXXX on that amount. They said that they could decrease the balance to XXXX USD but I would still owe XXXX USD and that I would continue to be charged interest on the XXXX that I paid to the account that was not borrowed as credit. I disagree that I should be paying interest on that money that XXXX USD and consider that it should be treated or seen if anything as more more of an investment because I am sure that they since used it for investing.I also did not agree to any terms for a percentage of what i would receive for them having possession of this XXXX USD that was in this account. 

The company has now reduced the line of credit to XXXX USD but has refused to remove the balance of XXXX USD that is be regarded as money they are owed payment on with interest. This money is not borrowed money from the line of credit that they initiated and is in fact my own money that was not a part of the contract. They are in violation of the contract agreement.
Product: Debt collection

I keep getting a call from phone # XXXX and the debt does not belong to me and I want them to stop calling my cell phone.
Product: Debt collection

Automated Collections (XXXX) turned my account over to the Credit Bureau on XX/XX/XXXX. The two items were for XXXX each from a XXXX  that saw my daughter in XX/XX/XXXX. At that time my wife and I were separated and the kids lived with her, in XX/XX/XXXX my wife and I divorced. I never was told about these invoices. Once, I was made aware of  these charges by the collection agency I immediately contacted the collection agency and paid both invoices for XXXXXXXX each and was told that they would resolve the issue with the Credit Bureau. This has not been resolved and is negatively affecting my credit/score. I have always paid my bills on time. Please help..
Product: Credit reporting, credit repair services, or other personal consumer reports

First I would like to comment My credit report states that I was late on XX/XX/ XXXX XXXX XXXXXX/XX/ XXXX. I was not late on either month in 2022. 

In XXXX I was injured and I required XXXX XXXX on XX/XX/XXXX to repair a XXXX XXXX XXXX XXXX I made a payment of {$330.00} on the XXXX XXXX  XXXX which was {$26.00} less than my actual payment of {$350.00}. I was unable to pay the full payment at the time because I was waiting for my XXXX XXXX payments to come in the mail from California. I live in XXXX They did not put the money in my account. Rather mailed a paper check to me every week. Capital One auto finance assessed me a {$17.00} late fee. I paid XXXX on XX/XX/XXXX including {$17.00} late fee along with the {$26.00} remaining payment for my XXXX payment. 

Capital One auto finance made an error. Instead of applying XXXX towards the late fee they assessed, they applied it toward interest paid. The {$25.00} was also applied towards interest paid. The credit report states that I am 30 days late {$26.00} in XXXX. I was not XXXX days late. 

I was having difficulty with my recovery after the XXXX and in XXXX I made a phone call to let them know that I was having difficulty with my payment because the XXXX XXXX insurance company was reinstating my XXXX for an additional 6 weeks and again it was taking time to process and mail those checks from California. 

I called Capital One auto finance on the 25th day of the cycle. I asked him if there was any opportunity to skip a payment. The representative put me on hold and he returned and said that since I was a good customer and because of my hardship they had a program for me. The representative told me he needed to make a recorded statement of why I needed to skip a payment. The representative put me on hold again. When he returned he told me that the program available for me was to take my XXXX payment splitted into three payments over XXXX, XXXXXXXX XXXX  XXXX. My payment would go from {$350.00} to XXXX. And my new due date would be on the XXXX  of each month for the next 3 months. I was told not to make a payment on the XXXX. After XX/XX/XXXX passed I was assessed a {$17.00} late fee. I made my payment on the XXXX XXXX  XXXX as I was told. Because I was a sister {$17.00} late fee. I was very afraid that I was going to be assess this fee every month for the next 3 months. 

Capital One auto finance agreed that my due date was XX/XX/XXXX but they charge me a late fee and marked me late anyway. I have always been a good customer and I could not believe that they were treating me like this. If they didn't have a program for me they shouldn't have offered it and if they weren't going to stick with what they promised, they shouldn't have offered it to me. 

I'm trying to purchase a home and this is the only thing on my credit report that is affecting my score and my ability to purchase a home. 
I am a XXXX XXXX XXXX connected XXXX veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX Equifax reported from XXXX XXXXXXXX XXXX stating the following : ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : > 119 days or > 4 paymnts past due BALANCE : USD {$0.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX What does it mean? 
We monitor your credit report ( s ) and alert you when new credit activity is detected. If you do not recognize the activity, the alert could signal potential fraud. 

What should I do? 
Review the date and alert details carefully. If you recognize the activity, theres nothing you need to do. If the activity is unfamiliar, we recommend checking your credit report and score for other unexpected changes. Call us if you dont recognize the activity. 

This while stating my home was sold on XXXX this account is closed as well as the following HELOC against my home is also closed!! : Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

FLAG THIS ALERT ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX Both of these accounts are said by XXXX XXXX XXXXXXXX XXXX, XXXX  to be close as to be against my ONE home supposedly sold on XXXX. Both of these accounts are supposed to be CLOSED BUT INSTEAD THE ACCOUNT NUMBERS HAVE BEEN SWITCHED AROUND TO LOOK LIKE THEY ARE STILL OPEN. THIS IS FRAUD!!! but this illegal false information is being posted on my credit bureau reports. This needs to be reported to the IRS for many crimes by XXXX XXXX XXXX XXXX XXXX 
This was an ILLEGAL auction with the use of falsified forged mortgage And promissory note documents. There are NO required original documents needed to Legally foreclose but XXXX XXXX XXXX XXXX XXXX refuses to follow the laws required to be legal and now are trying to commit tax evasion and money laundering by hiding what they are doing with these fake reports. This information is NOT in litigation as it occurred AFTER the litigation was filed and ONLY that which was involved in that filing is applicable in the present Appeals case. Nothing since then including this compliant information is in litigation. NONE of this is in litigation!! This was NOT a Legal valid foreclosure sale only a scam to terrorize me out of my home.
Product: Credit reporting or other personal consumer reports

Equifax , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  ( Case No. XXXX ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files.

Account Name : XXXX XXXX XXXX/ Balance : XXXX XXXXXXXX Opened : XXXX. XXXX, XXXX Identity Theft Account Name : XXXX XXXX/ Balance : XXXX XXXXXXXX Opened : XXXX XXXX, XXXX Identity Theft Account Name : XXXX XXXX Balance : XXXX XXXX Opened : XX/XX/XXXX, XXXX Identity Theft Account Name : XXXX XXXX XXXX Balance : {$840.00} /Opened : XXXX XXXXXXXX XXXX XXXX / Identity Theft It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.
Product: Credit reporting or other personal consumer reports

I recently requested to remove 3 delinquencies from my auto loan with Capital one for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Congress recently passed a law to protect consumers from being late. 15 USC 1666B ( a ). A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. With the unprecedented times and the rising cost of living I admit that I have faced financial hardship. I am trying my best to repair my credit to put myself in a better situation to provide a home for my XXXX children. If I am able to remove these 3 late payments it would be helpful. I not only have an auto loan with Capital one but I have several other accounts with them as well.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - Received an email from my XXXX XXXX account stating that Bank of America checked my credit report in regard to a new credit card or loan. XX/XX/year> - I have notified XXXX and they issued a Fraud Alert and XXXX XXXX Department issued a security freeze on my identity. XXXX suggested I contact CFPB to report this issue. They also suggested I contact Bank of America. I will do that as soon as I submit this report. 

XX/XX/year> - Received an email and text alert from my XXXX XXXX XXXX asking if I charged {$41.00} to XXXX XXXX  from a location in XXXX? I contacted XXXX XXXX and they closed out my charge card and have issued me a new card. They stated XXXX XXXX tried 3 times to charge the {$41.00}.