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

In XXXX of 2019 we were notified via email that there were upwards of {$2000.00} in charges on our account. The purchases were made online and picked up in person at a XXXX Best Buy. 1. we were out of town then and never ordered or picked up these products. 2. With a pick up order of $ 2000+ they SHOULD ALWAYS check ID on the person picking up. 

Obviously we reported these charges as fraud. Best Buy sent it over to their fraud department for investigation. After multiple calls and jumping through hoops they finally agreed that it was fraud, and we were told over the phone that ALL CHARGES WERE DEEMED FRAUD AND ANY CHARGES, AND FEES RELATED TO THE PURCHASES WOULD BE REMOVED. 

We received a letter from Best Buy on XX/XX/2019 saying " We are writing to inform you that we completed the investigation on your My Best Buy Credit Card Account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 

I was so relieved to finally get this letter after getting the go around every time we called them and re-explaining the issue. Such a headache. BUT little did I know even though the letter said it was fixed and that XXXX, XXXX, XXXX  XXXX would all be updated. They were not. 

We recently pulled our credit while trying to get a home and THE CHARGES STILL REMAIN AND HAVE NEGATIVELY IMPACTED MY VERY HIGH CREDIT SCORE. I have never had any late payments or anything negative reported on any of my credit cards until this happened. 

I have continued to contact Best Buy and am always given excuses and I swear the call center doesn't even understand what I am trying to explain most of the time. I called today and they are closed due to Covid 19. I have reported disputes 3 times to XXXX  with proof of my letter from Best Buy. However when they look into it and contact Best Buy Citi Credit Card they are told, nope! The account is closed but fees and interest rate still applies! I AM NEVER PURCHASING FROM BEST BUY AGAIN. THIS HAS BEEN SUCH A HEADACHE AND HAS BEEN GOING ON MORE THAN A YEAR NOW. WE HAVE BEEN MORE THAN REASONABLE BUT NOW THAT IT IS EFFECTING THE LOAN ON OUR HOME THIS IS NOT OKAY! I NEED HELP FIXING THIS FOR GOOD. PLEASE PLEASE HELP! 

THANK YOU!
Product: Bank account or service

I subscribe to a credit monitoring service and was recently alerted that a hard credit inquiry from XXXX/XXXX had been registered on my XXXX credit report. After doing some initial research, it seems that other consumers have identified this bank as XXXX of the lenders behind the PayPal " BillMeLater '' feature. While I am a PayPal customer, I did not sign up for this feature nor did I authorize them to pull my credit. I have disputed the inquiry with XXXX. I want to make sure this inquiry is reversed and no account is opened as a result to prevent fraudulent use of a financial account established using my identity.
Product: Mortgage

I refinanced a mortgage in XXXX and signed an escrow waiver for property taxes, homeowner 's and flood insurance. I prefer to pay my own. The mortgage was sold twice in rapid succession, ending up with JP Morgan Chase. Chase told me in XX/XX/XXXX that they were starting an escrow account for the flood insurance, and sent me a statement with a new, higher mortgage payment. I told them that I had signed an escrow waiver. They replied that they would delete the escrow account. A few months later, Chase said that the escrow account would be reinstated because of NFIP rules. I repeated my earlier statement regarding the escrow waiver, and reminded them that I did not use the NFIP, I bought private market flood insurance. Again, they informed me that the escrow account would be deleted. Once more, Chase informed me that the escrow account had been reviewed, and would be reinstated because of RESPA rules. I pointed out that RESPA had nothing to do with the issue. Chase then informed me that the escrow account would stand because the Biggert-Waters Flood Insurance Reform Act of XXXX  says that after XXXX, loans secured by property or a mobile home in a flood area had to have flood insurance escrowed. We are at an impasse. If their Biggert-Waters Act excuse is valid, why was I allowed to sign an escrow waiver in XXXX? Can a mortgage company change the terms of a mortgage they have bought? If I allow this, what's stopping them from demanding escrow for my property taxes and homeowner 's insurance? For the record, this is a fixed-rate mortgage, so no increases are to be expected. I have never had a late payment or been uninsured, so this is not a case of force-placed insurance. Chase did not share their " escrow analysis '' with me, ( the payment they imposed is woefully inadequate to cover my insurance ) and they have not explained how renewal and payment of my flood insurance policy is to be carried out - I believe that IS a RESPA requirement. They have only reminded me to send them a copy " when the policy is renewed. '' If I'm renewing the insurance, why are they collecting the money? Throughout this entire debacle, I have been making my regular, ORIGINAL mortgage payments, and have alerted them each month that i am NOT paying the escrow amount until I have valid answers to my questions. I will be happy to provide whatever documentation you require ; at this point, I am only sending my escrow waiver because I'm not sure if you want all their letters. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I lost my home XX/XX/2017 because I couldn't get approved for a loan modification
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Experian is reporting an account that I never had with XXXX XXXX XXXX. XXXX. This has been disputed several times and it has been disputed several times. I have never had an account with XXXX
Product: Debt collection

Saw on credit score. I was not aware of the debt. Was supposed to be resolved by XXXX XXXX. Keep getting threats from collectors they will take my car and house.
Product: Debt collection

Requested this to be disputed and has not been resolved in a timely manner!
Product: Checking or savings account

This is regarding two accounts : Capital One 360 Checking ( XXXX ) and Capital One 360 Performance Savings ( XXXX ). 

My wife and I sent written, notarized closure requests dated XXXX XX/XX/2023 via XXXX XXXX Mail to Capital One at XXXX Capital One XXXX, XXXX, VA XXXX and Capital One, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX ( forwarded to XXXX XXXX, NV ). XXXX tracking reports these requests were received by Capital One on XXXX XXXX and XXXX XXXX, respectively. 

We mailed these requests to the addresses given on Capital One 's website ( https : //www.capitalone.com/help-center/contact-us/bank-account-support/, https : //www.capitalone.com/about/corporate-information/corporate-offices/ ) and as given on our bank statements. 

We received no acknowledgement/response from Capital One to either the given email or mailing address as on file with our account ( s ), though we continue to receive emailed, automated statement notices and a great deal of phishing email impersonating Capital One. 

We sent follow-up requests via XXXX XXXX mail dated XXXX XX/XX/2023 to Capital One Bank/Financial Corp. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX received XXXX XXXX ) and to XXXX Capital One XXXX XXXX, VA XXXX XXXX received XXXX XXXX ). 

To date, we have received no acknowledgement/response, queries, outreach or guidance from Capital One with regard to our closure request to either the email or home/mailing address provided and as on file with our account ( s ). For this reason, and because we continue to receive only automated account notices from Capital One, we suspect our closure request has not been processed.

We feel we have given Capital One a more than reasonable amount of time to process our closure request and to remit written confirmation that our checking and savings accounts have been closed. Because Capital One has failed to communicate anything whatsoever to us in regards to this closure request, we are reaching out to the CFPB for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

TOYOTA MOTOR CREDIT PUT LATE PAYMENTS ON MY CREDIT REPORT WHEN IT WAS THEIR FAULT BECAUSE THE PORTAL WASN'T WORKING CORRECTLY AND I HAD IT ON AUTOPAY.
Product: Debt collection

A Certified/Return Mail was sent to this creditor, LVNV Funding LLC requesting that the account # XXXX for the amount of {$680.00} they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. I reached out to them in XX/XX/2019   and my effort to have them explain the legitimacy of the debt they are purporting that I owe them was blatantly ignored. LVNV Funding LLC must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with deliberate speed per the FCRA and the FDCPA. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX In accordance to The Fair Credit Reporting Act, the accounts listed above 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Product: Debt collection

This phone number has made repeated calls since XXXX XXXX XXXX XXXX XXXX 
This date is a Sunday, and also called on XXXX XX/XX/XXXX, XX/XX/XXXX. On these Sundays this number called at XXXX XXXX XXXX and XXXX. Between XX/XX/XXXX XXXX this number called seven times. All these calls were made without anybody leaving a message on answering machine nor caller ID. 
A message was first left on answering machine on XXXX XXXX XXXX XXXX XXXX XXXX XXXXhen again on XXXX XXXX XXXX XXXX XXXX These are the only messages left, and the first time identifying that they were calling from Ally Services. 
Between XXXX XXXX XXXX XXXX XXXX, they have called nine times at various hours and only identifying themselves twice. 
On XXXX XXXX  they called aXXXX XXXX XXXX, I answered and told them to stop calling especially on Sundays ; and I was going to file a complaint. I did inquire what the call was about and they said it was about an auto loan. 
I'm the cosigner on the auto.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotective furthermore their dispute resolutions process was unfair and deceptive as they did not comply with errors resolution requirements under the electronic fund transfer act at ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

Re : Loan # XXXX Dear Sir or Madam : The reason for this letter is to report that I am in the middle of a loan modification and also a foreclosure for my home, which was filed unknowingly against me by Nationstar Mortgage. The scheduled sale of my property is set for XX/XX/2016, which I was not aware of. 

Most importantly, I was uninformed and relying on Nationstar Mortgage representative 's verbal promise that stated : " We will not foreclose on your property while under the process of obtaining a loan modification. '' Furthermore, Nationstar Mortgage purchased my mortgage from XXXX over two years and the loan has ballooned with numerous outstanding fees tacked onto the account each month. So, I am requesting that the mortgage company forward me the information listed below. 

Please forward an itemized breakdown of principal and balance amounts pertaining to the loan. I am also requesting the complete details and contact information and an audit of account by outside source. I greatly appreciate your assistance in this matter and look forward to your prompt response. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking my credit report and found that I have accounts opened in my name and XXXX collection I was only XXXX at the time these accounts where open and I did not give my consent nor did I open these accounts. I contacted all three credit bureaus and they verified the information as true. The following accounts I did not open and they are either fraud or someone else information is on my credit report. The following accounts need to be removed and investigated as soon as possible. 
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 XXXXXXXX I reached out to all credit bureaus and they sent back information being verified without information on how it was verified because I don't understand how that can be so because I did not open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

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

Delete these accounts
Product: Credit reporting or other personal consumer reports

I'm sick & tired of having to go back & forth with these people about INACCURATE INFORMATION ON MY CREDIT PROFILE! NOW I SEE THE XXXX XXXX HAS CHANGED TO A LOCKBOX COMPANY AND STILL REPORTING WRONG INFORMATION! WHY DO YOU THE CFPB CONTINUE TO ALLOW THIS TO HAPPEN?? MY BALANCE IS CONSTANTLY FLUCTUATING ON MY REPORT WITH AMOUNTS THEY ARE JUST CHOOSING TO COME UP WITH! THIS IS EXACTLY WHY I CLOSED MY ACCOUNT! THEY KEEP PRETENDING TO PROVIDE ME WITH THE SUPPOSED INFORMATION BUT YET TO DO SO!! MY NEXT STEP IS A LAWSUIT CAUSE ITS RIDICULOUS THAT YOU ALL CAN JUST DO WHATEVER YOU WANT EVEN WHEN ITS WRONG! MY BALANCE HAS NEVER BEEN {$3400.00}!! HOW CAN YOU CONTINUE TO DO THIS?? IT STATES I MADE A {$1300.00} PAYMENTS SO HOW CAN IT GO UP FROM WHAT WAS PREVIOUSLY REPORTED IF I CLOSED THE ACCOUNT & CONTINUE TO MAKE PAYMENTS?? I HAVE PROOF MY BALANCE IS {$2800.00} & WILL ONLY GO DOWN CAUSE I MAKE MY PAYMENTS ON TIME!! IF LOCKBOX IS OVER IT NOW WHY DONT IK WTH THEY ARE & HOW TO GET IN TOUCH WITH THEM! THATS NOT WHO I ORIGINALLY OPENED MY ACCOUNT WITH & DONE BUSINESS WITH! IM XXXX & HAVE A XXXX XXXX & THIS IS & HAS CAUSED EMOTIONAL, XXXX XXXX XXXX & FINANCIAL DISTRESS UPON ME! IM PROVIDING PROOF OF EVERYTHING I'VE STATED EVEN SHOWING THE DATES! 
MY BALANCE IS ONLY {$2800.00}!! NO WAY IT CAN BE OR EVER BEEN WHAT's REPORTED! 

XXXX XXXX, XXXX & EXPERIAN HAS STILL YET TO SHOW & PROVIDE ME WITH DOCUMENTATION STATING HOW THEY'RE COMING UP WITH ALL THESE AMOUNTS OF BS BALANCES XX/XX/XXXX To whom it may concern. This is ridiculous & I expected better from you Experian, especially knowing how horrible XXXX XXXX are. I don't understand how you can previously update my account balance for this XXXX XXXX to one thing & then turn around & increase the balance. That doesn't make sense whatsoever ESPECIALLY knowing that I closed my account with this company because of ALL the problems Ive had with them along with thousands of other consumers. My balance has NEVER been {$3400.00}. The amount you had updated last month for the {$3100.00} was correct for then but you increased it when I made multiple payments as you even stated in your notes so how does that even make sense whatsoever?

Im enclosing proof of my for balance, as well as what it was prior to you changing it to a higher amount dated yesterday. None of that's correct. My CURRENT BALANCE IS {$2800.00} & it's ONLY GOING TO DECREASE NOT GO UP BECAUSE IVE CLOSED IT AS YOU SEE & I ALWAYS MAKE MY PAYMENTS ON TIME AGAIN AS YOU SEE! PLEASE QUIT PLAYING IN MY FACE & WITH MY CREDIT PROFILE OR I WILL FILE ANOTHER COMPLAINT WITH THE CFPB AS. WELL AS A LAWSUIT FOR INACCURATE INFORMATION!! 
PLEASE UPDATE MY BALANCE & CREDIT REPORT ACCORDINGLY & THATs WITH A BALANCE OF {$2800.00}!!! 


PLEASE & THANKS SO MUCH, XXXX XXXX XXXX
Product: Mortgage

My husband XXXX XXXX ( successor in interest ) and I ( his spouse ) applied in the fall of XXXX for the HAF program ( state of Texas ) due to falling behind on mortgage payments due to the Covid-19 pandemic. It has taken several months for approval but Midland Mortgage finally sent a letter to HAF that they needed {$14000.00} to bring the loan current. The principal balance currently is {$14000.00}.

HAF sent me a letter on XX/XX/XXXX confirming approval and advising a payment of {$14000.00} was sent to Midland Mortgage. Midland Mortgage received and noted the loan with " applied funds '' but DID NOT POST MY PAYMENT. I called Midland Mortgage on XX/XX/XXXX and spoke to a customer service representative. I requested the late fee balance be waived and asked them to post my payment. I was told that they wouldn't waive my late fees and that they needed instructions from HAF on how to apply the payment. So I contacted HAF and spoke to a representative. I told them that Midland Mortgage didn't post my payment and needed instructions on how to apply the payment. The representative told me that they are supposed to apply it to all the missed payments and late escrows. She sent a message to my case worker. It is now XX/XX/XXXX and my payment is still not posted. I new statement has generated with a larger balance due and fees and interest continue to accumulate. I called Midland last night and told them to apply my payment and they advised me that it takes 30 days to post the payment. They received the payment on XX/XX/XXXX. They noted it as " applied funds '' and then on XX/XX/XXXX they removed the payment completely. The payment is no longer visible when I check my loan information on line and they have not posted my payment. HAF told me that they need to contact the " loan servicing support team '' on how to apply the payment. I am certain that Midland Mortgage already knows how to apply the payment for individuals in my situation. I can not be the only homeowner approved for assistance under the HAF program.
Product: Debt collection

On XX/XX/year> someone was fraudulent using my information and running my credit without me knowing I didn't approve for anyone to run my credit my information did get stolen with all my identity in it so I don't know was someone running my credit trying to get items in my name I did contact the people and let them know that it wasn't me now all these inquiries are impacting me to purchase a home and brought my credit score way down someone been using my identity without my permission and once I get to the bottom of this I would like to presue charges because this is wrong and I do wan na file charges on the person as well I surly hope that you guys help me along the way
Product: Credit reporting, credit repair services, or other personal consumer reports

-I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.
Product: Student loan

I was going to school for one year and graduated in XX/XX/1984 and I believe that I fraud was happening because it was a one year program and to this day, they taking money from my XXXX and we sent all paperwork to the FTC, and they said that you would be able to help me.
Product: Money transfer, virtual currency, or money service

Cash app is the company my account was robbed hacked then closed with no explanation or no type of refund of my funds
Product: Credit reporting or other personal consumer reports

I have been trying for three months to get this collection accusation off of my report! Since XXXX, XXXX XXXX XXXX is alleging that I owe a debt that was originally with XXXX. I have been in contact with XXXX directly and verified that there has never been a debt that I owe to them and the information that XXXX XXXX XXXX has is invalid. I provided screenshots of my conversation with XXXX to Experian verifying this debt is invalid and I still have not been able to get them to agree and delete this collection from my profile. They continue to claim that they have investigated and verified the information to be accurate. This is clearly FALSE!!! 

This alleged debt has already been disputed and deleted from my report with a different collection agency who also did not have any right to attempt collection. I do not know how XXXX XXXX XXXX collected this inaccurate information, but it has done extreme harm to my credit profile and credit score. I now have lost faith that this false debt will not be picked up by some other agency in the future, repeating the same damage all over again. 

The Experian Report number is XXXX THIS MUST BE DELETED AND FIXED IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with Experian to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1.  XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3. XXXX XXXX XXXX Account # : XXXX I am a victim of id theft and Experian has taken its slow time in removing these fraudulent accounts and Experian has also violated my rights and broken the law 605B.