23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of 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 Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accounts have violated my rights. Pursuant to 15 USC 1681 section 602 A states I have right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting can not furnish accounts without my written instructions. I am requesting the original copy of the agreement and terms and condition. Failure to comply will forfeit your claim and will require you to delete all the list of items above. You are required to do what I am asking and block these trans actions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
Product: Mortgage

We have a XXXX Mortgage with Loan Depot, We received funding from WA State to help us catch up on our mortgage payments. I have a debilitating illness and have been unemployed so we were running short on income. We paid the mortgage but sometimes was late but only for last few months. We finally caught up. Meanwhile we applied for help with Wa State, Wa State gave the lender funds to apply to the mortgage ONLY which would have brought us up to cover more than half of XXXX. Our Lender applied the addition funds to escrow instead, stating we were behind on escrow for the amount they took. We have NEVER been behind on escrow, every month our escrow and insurance and taxes is included in our mortgage payment. On every monthly statement there shows an actual credit in the escrow after the mortgage payment is received.They claim they are justified in keeping the funds and now expect us to pay XXXX in full on our own and they will keep the additional funds in escrow. We ask them to provide proof where the escrow was owed and they're giving us the runaround. This company has also tried to make our payments late by refusing our payment even when it was on time. When we were behind we applied for hardship assistance through Loan Depot first and they denied us because they said XXXX doesn't allow Hardship assistance on their mortgage accounts. They told us all we could was to quick XXXX the home over to them. We can not afford to refinance with another bank because our mortgage payment would end up trippling because right now our interest is at 2.9 % fixed. Every other loam would increase up to 6 %.
Product: Student loan

On XX/XX/XXXX of this year, I decided to pay off the total balance of my signature plus loan to a total of {$6600.00}. I wanted to pay off this balance because my APR was 12.5 % and I wanted this off the books. After waiting over a week for this transaction to clear my account, I went onto my Navient account mind to see that reversed my payment and charged my the full months interest and then deducted my monthly recurring amount of {$100.00}. I called Navient to resolve quickly, and they apologized for the issue and came to the conclusion that there was a glitch and that their computer tried to pull the funds from another account I had on file. My pushback was that I have never had another bank account associated with my Navient account. I was charged {$70.00} in interest and then paid the remaining balance off in full over the phone, and I will be waiting 3-5 days for that payment to clear. I am sure I am not the only one that this has happened too. And the blatant corruption and abuse to student borrowers need to stop NOW!
Product: Mortgage

This past XX/XX/2021, I was forced to file a complaint against Banco Popular de Puerto Rico in relation to a mortgage loan. In short, the bank miscalculated the monthly payment amount and refused to correct it despite my best efforts to get them to do so. In the meantime, I continued to make the payments as indicated by the bank despite having informed them that the amounts billed were incorrect and after having to file a complaint with CFPB because of it. 

On XX/XX/2021, Banco Popular 's XXXX XXXX XXXX XXXX, Escrow Analysis Supervisor, Mortgage Servicing Division, replied to the complaint indicating, among other things : " We apologize for any inconvenience this situation may have caused you and trust that this response addresses the issues presented in your complaint. BPPR carefully reviewed your allegations, as well as its own records, and determined to reimburse the amount of {$570.00} related to payments you completed in XXXX and XXXX associated to your mortgage insurance. [ ... ] We trust that the preceding response addresses the issue presented in the referenced complaint. Should you have any further questions, please do not hesitate to contact the Escrow Administration department at ( XXXX ) XXXX. '' ( See copy of BPPR 's response attached. ) Based on the said response I, in turn, indicated that, subject to verifying receipt of the reimbursement check, I was satisfied with the same. The complaint was closed. 

Since then, 34 days have passed and I have not received the reimbursement check. I tried reaching Ms. XXXX XXXX XXXX XXXX at the number provided in her response but it turns out that number is for a fax machine at the bank that no one answers. The number provided is a " dead end ''. After much time and effort navigating through customer service and even the legal division and executive offices of the bank, I was able to leave a message for Ms. XXXX and she eventually called me back. She indicated she does not know what happened and that she suspects the check got lost. 

However, during that same time I have timely received notice of the payment due on the mortgage at the same address listed for the account and to which the check should have been and was allegedly addressed. ( See attached. ) I am yet again forced to file a complaint due to the bank 's inaction and obstinate refusal to address and correct their own mistakes.
Product: Credit card or prepaid card

Synchrony Bank closed my Amazon Store Card on XXXX I did not request account closure and I am not in default. In the statement period from XXXX XXXX XXXX I made purchases of {$18000.00} in total on Amazon. With 5 % back and bonus rewards, I earned rewards of {$940.00}. Nevertheless, as Synchrony Bank closed my account, they also revoked my rewards immediately. No grace period is given for rewards redemption.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEPTEDXXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 

16. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Experian, has chosen to ignore and deny the FCRA Section 611 ( a ) ( 2 ), FCRA Section 611 ( a ) ( 1 ) ( A ), FCRA Section 605B, FCRA 609 ( e ), 15 USC 1611, FDCPA 809 ( b ). Furthermore to ignore and deny my rights of being a Victim of Identity Theft. Experian continues to violate FCRA by re-reporting an account that has already been Deleted and Removed. Experian has taken the law into their own hands to be bigger than Federal Law that governs them.
Product: Credit card or prepaid card

I was in the process of selling my home and buying a new home. A very stressful and highly agitated time in my life, eating away at my time, life and energy. I needed to find a mover. Most movers at the time weren't available due to the summer season. I came across an ad on the internet about a moving company, I called the number and spoke to what I believed was an actual moving company. They told me that they could move me when all the well known movers couldn't, I was desperately needing to move due to my house closing at the end XXXX, when I contacted them at the end of XXXX. The move date was over a month in advance. Most of my transaction conversations were done on the phone. I was trying to juggle working at my job while this was all happening and fielding a lot of calls from work, realtors and now this moving company, which the moving brokers kept calling. Long story short, I believed them to be movers, I gave them my credit card number as a down payment of {$5300.00}, but they were not movers, they were brokers. I only found out because I was too busy to read the contract due to my limited time, they had told me some one was going to reach out to me in 3 to 4 days to solidify the move, when they did not, I got concerned I was scammed, and went to look at their contract to see, yes, I was scammed, and no one called me, therefore mitigating their UNCONSCIONABLE Contract. I was shock to find out they weren't movers, more shocked to find they had when I believe to be a highly unethical contract, and researched on XXXX and the XXXX XXXX XXXX showed me that this is a very dirty business doing this to hundreds to thousands of people. I went about cancelling this move with these scammers, thieves, and went directly to my bank to cancel and dispute the transaction because I wasn't going to be utilizing them. This contract is UNCONSCIONABLE- All this is what I went through with these movers : Undue influence ; XXXX ; Unequal bargaining power ; Unfair surprise ; or Limiting warranty. 
My Bank, Wells Fargo, had took over 6 months to give me an answer for the dispute. They claim because I signed this contract that I am stuck with the {$5300.00}, even though this horrible moving brokers did NOTHING for me! They did not find me any movers, I found my own. They did nothing for that {$5300.00} that they STOLE from me, and my bank Wells Fargo has allowed these scammers to do this. 
NO SERVICES WERE RENDERED! NONE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX  XXXX Balance - ; XXXX XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXXXXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX and Im writing this letter regarding a scam transaction through a wells Fargo credit card. 
Last year on XX/XX/2022 I purchased a 1st class upgrade ticket from XXXX to XXXX XXXX from XXXX XXXX through a wells Fargo credit card. 
after paying the {$1100.00} I didn't see the upgrade on the app so I called XXXX XXXX to make sure everything went through and the representative told me the upgrade will show shortly as a business class in the connection flight from XXXX XXXX to XXXX, so I informed the representative that this not was shown on the notification on the app it should be first class for the whole flight and he can review the phone call I made to them before purchasing to go over the details, the representative ignored me then I called wells customer service and informed them what happened and they told me they cant do anything at the moment, since the transaction still pending and they will dispute it when it's processed. 
After 10 days I had to travel and the airlines forced me to get in business class in the connection and the bank dispute the amount in XXXX and charged it back in XX/XX/2022 and since then wells refused to dispute it again saying that the merchant provided proof of using the service and ignored that I informed them it was a scam after 15 min from the purchase and 10 days from the travel date. 
Below is some supporting Info : Case # XXXX Account # XXXX Thanks, XXXX
Product: Credit reporting

I was denied credit with XXXX bank on XXXX XXXXXX/XX/2015 for a loan. I received a letter notifying me that due to the Equifax report this is why I did not get the loan. I tried to submit on line, XXXX to get my free report, but this came up, " Please Note Online Delivery UnavailableAt this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX. 
Print this Page '' I called the XXXX number and followed all the prompts and at the end was told that I needed to enter a credit card and pay XXXX for a report or XXXX for a report. 
This is pretty good, they can arrange anything they want to put out there for creditors to see whether it is right or wrong. If you try to get your report, which is supposed to be free if you are denied credit, they charge you. So you could be a victim of identity theft and Equifax does everything to help keep the info from the victim. I tried to reach a real person which you can not. All they want is a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX transunion received a dispute from XXXX XXXX XXXX XXXX. The investigation stated you verified these accounts as being reported accurate. Verifiable has a legal meaning and refers to a copy of the actual document I signed to open the account. You have not provided me a copy of my original signed documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). On XX/XX/XXXX you received a certified letter for Method of verification that requires 15 days. You failed to provide method of verification as required under 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. XXXX is not 100 % verification. You pasted this deadline of 15 days and must delete all accounts disputed.
Product: Credit card or prepaid card

Around XX/XX/XXXX I received a letter in the mail from JP Morgan Chase letting me know all of my checking and saving accounts will be closed and the company chose to end relationship with me, they didnt mention anything about my personal or business credit cards will be closed as well, I tried to reach out to JP Morgan many times and no one gave me a clear answer regarding my accounts being closed. 
I have been with Chase since XXXX and them closing my 5 total credit cards with them really hurt my credit and placed me in a bad position when I was trying to pay for my lunch at Panera, the young lady at the register asked me if this was my wallet or I found it somewhere because I tried to pay with many credit cards and all got declined. 
I have been getting my paycheck really late because my employer uses Chase for direct deposit and because I dont have chase anymore I have to wait 4 business days to get my paycheck. 
Lastly I had almost XXXX points with all of my chase credit cards that I had to take cash for which is only {$8000.00} if I would have used them on travel I couldve got over {$30000.00}.
Product: Credit card or prepaid card

I made a payment for {$510.00} on XX/XX/XXXX. Since then I have spoke to the company in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX to report that the payment was received and accepted by the company but not applied to my balance. I submitted documents that supported this claim. My credit card is frozen, and my account is reported to my credit report as delinquent despite this not being the case.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card or prepaid card

I made a cross country move and charged the moving bill to my credit card on XX/XX/XXXX. The amount was over {$9000.00} and my credit limit is {$12000.00}. I made an {$11000.00} payment on XX/XX/XXXX by logging in to my credit card account and choosing " pay from bank account ''. I received notification on XX/XX/XXXX that the payment had been successfully made and credited to my account. On XX/XX/XXXX I attempted a charge with my credit card and it was declined. I phoned the credit card company and was informed that my card was declined because I was over my spending limit. While on the call, I logged in to my bank account and informed the credit card representative that my checking account shows the payment was withdrawn and paid to CitiBank Advantage on XX/XX/XXXX. I was then informed that Citi had placed a hold on my payment to prevent fraud. I inquired how often fraud happened by someone fraudulently paying off someone elses credit card. This was not to prevent fraud. It was to earn interest for Citi on my payment amount while freezing my account and not allowing me to make charges. My credit card statement was issued on XX/XX/XXXX and shows the payment of {$11000.00} to my account. I was still told that my account was over the spending limit and therefore could not be used until XX/XX/XXXX. This is unacceptable and yet they have refused to do anything about it.
Product: Credit reporting or other personal consumer reports

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. 

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

At this time TransUnion has denied me the ability to TIMELY dispute an erroneous inquiry reported to them by XXXX, and they have posted the erroneous report so as to cause damage to my public record. Every effort to submit a dispute through TransUnion 's website was to no avail, they have it RIGGED! Also, take note that TransUnion never sends a Code to my email. And even worse, their webpage blatantly denies one the opportunity to 'start a dispute '!!! See the attachments.
Product: Credit reporting or other personal consumer reports

I filled out an application for an American Express business credit card for my company, not for me. But I was surprised that they made a hard inquiry on my name or on my credit report. 
I asked them about the reason for the hard inquiry on my credit report, and I did not ask for it under my name, but for the name of my company. They did not tell me that they would use my name and information, and they did not warn me about hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion won't remove negative items from my report, I called several times and provided documentations, yet I keep getting the same answer we verified but won't explain how. I was informed that Items will remain on my credit report for 7 years. Today I was informed that XXXX XXXX XXXX confirmed the account is accurate yet didn't provide proof no copies of the purchase contract that they legally own this debt or that's even mine. or copies of all the statement of the account. Congress passed the FCRA Laws which allows you to permanently remove negative items from your credit report that are 2 years old using pre written dispute letters. You can remove these following items legally Collections Late Payments Medical Bills Repossessions Evictions Charge offs Bankruptcies. HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS AND BANKRUPTCYS 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. XXXX XXXX XXXX ( NMLS ID : XXXX ) Per NMLS CONSOMER ACCESS there not even licensed to operate in the state of California. Therefore, it needs to be removed from my account immediately. How long before a debt becomes uncollectible in California? four years The statute of limitations on debt in California is four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment.