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

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from XXXXXX/XX/XXXX XXXX Opened on XX/XX/XXXX, XXXX XXXXXX/XX/XXXX Opened on XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX Opened on XX/XX/XXXX, and unauthorized Inquiries : XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XXXX XXXX  transferred my mortgage loan to a new servicer, Rushmore, on XX/XX/2020. 

I have completed a Borrower 's Assistance Application at Rushmore and was told on XX/XX/2020 by XXXX by telephone that she transferred my application to underwriting. 

Subsequently, Rushmore has not sent written notice to confirm my modification application status.
Product: Credit card

I looked at my credit report and found fraudulent accounts on my report. It is affecting my ability to obtain credit.
Product: Consumer Loan

I have a credit card debt that was settled since 2009. A judgement has been recorded. I have a satisfaction letter but Portfolio refuses to record the judgement satisfaction. I have told them that I was in the middle of selling my home and that I could not because of the lien recorded. They refuse to give me a timeline for when this can be resolved.
Product: Credit reporting or other personal consumer reports

During the COVID Pandemic I was the victim of identity theft as were many of us. Needless to say I began reaching out via phone and US Mail to TRANSUNION, XXXX, and XXXX. Despite my efforts to protect my identity and my non-public personal information the aforementioned agencies not only allowed my information to be used, misused, and abused but after I reached out there were still a staggering amount of inquiries added to my credit report at an alarming rate and attack the accuracy as I humbly requested they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my consumer report and saw inaccurate and illegal information being reported and Pursuant to section 15 usc 1681a under the exclusion section number B states that anything extended or authurized from a credit card should be excluded from a credit report. According to definitions section 15 usc 1602 ( i ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit.This is meaning a credit card from a bank of any form is not allowed on my consumer report and in fact they are illegally reporting information to my consumer report. This information can not be verified or accurate unless the company interviews with neighbors, friends, or associates but however such information shall not include specific factual information on a consumer credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, according to section ( e ) of 1681a definitions. I am in disbelief of this matter and my ability to obtain credit has been hurt because this company has not followed the laws that has been set in place.
Product: Credit card or prepaid card

Capital One credit card changed my utilization credit reporting date from the XXXX to the XXXX without properly notifying me of this change. I usually pay my balance off by the XXXX of the month so when my utilization is reported on the XXXX it would reflect a XXXX balance. This has been my practice since I had the card these past 4 years. XX/XX/2021, I paid my credit card to a XXXX balance so it would be reported paid on the XXXX. Well. I then charged my card on the XXXX and Capital One reported it to the credit repositories and my score dropped 30 points! I called customer service to fix this problem and they refused. The supervisor kept repeating herself stating that they reported correctly so no changes can be made. I kept telling her that the issue is you reported it on the XXXX instead of the XXXX which caused me this issue but nonetheless. She refused to help me. I am sure they are getting multiple complaints like this from their customers. They claimed they sent me an email advising me of the change but I never received it. Everybody knows that email communication is not always guaranteed to go through. I could have had server issues, etc that day. Bottom line is. I was never advised of such a change to my utilization and for this I want my credit corrected. I worked too hard to restore my credit just for an incompetent company to ruin it.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following fraudulent accounts and inquiries that remain on my credit reports with XXXX, Equifax, and XXXX. Despite my previous dispute and the submission of an identity theft report, these items have not been removed, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and continues to harm my credit profile. 

The following accounts must be removed immediately : XXXX XXXX ( Account : XXXX ) XXXX, Equifax XXXX XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX ( Account : XXXX ) XXXX, Equifax, XXXX XXXX, the following unauthorized inquiries should be deleted as they were made without my authorization : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX CARD ( XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block fraudulent information from my credit report by providing an identity theft report, which has already been submitted. The failure to remove these items is a direct violation of federal law and my consumer rights. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against XXXX for failing to properly investigate consumer disputes and reinserting inaccurate information into credit reports. Your failure to comply with my dispute request suggests non-compliance with federal regulations. 

I demand the immediate deletion of the above-listed fraudulent accounts and inquiries. If these items are not removed, I will escalate my complaint to the CFPB and pursue legal remedies. Please provide written confirmation that these items have been deleted from my credit reports within the legally required timeframe.
Product: Mortgage

My mortgage lender has sent me three ( 3 ) different 1099 claiming different amounts on my mortgage interest. As a result, my 2020 taxes were filed with the first one I received indicating I made {$35.00} in interest. Now, I have to file an amended return and my Cpa is going to charge me {$200.00} for this service. Nationstar needs to pay for this since it was clearly their error NOT mine.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX Balance : {$2.00}, XXXX XXXX  XXXX Balance XXXX {$4.00}, XXXX XXXX XXXX XXXX Balance : {$4.00}, XXXX
Product: Bank account or service

I BELIEVE THAT MY ACCOUNTS AT THE WELLS FARGO BANK HAVE BEEN UNLAWFULLY USURPED AND DEVALUED. I WOULD LIKE TO ENSURE THAT NO MONEY IS LOST EVEN AT BANK CLOSURE. I AM HOPING THAT NO MONEY IS LOST DUE TO TRANSFER, TRANSPORT OR ANY MOVEMENT ON THE CASE.
Product: Credit card or prepaid card

RBFCU migrated their credit cards to a new card and card servicing platform. My prior statements to the migration are not available on the new platform. They did not disclose in the card migration information sent out that my old statements would not be able. If they had I would have downloaded them prior to the migration. Only statements post migration are available online. 

I have spoken with their customer service several times resulting in no action.
Product: Checking or savings account

My XX/XX/XXXX statement showed a closing balance of {$100.00} on this account. When I ACH transferred that {$100.00} out to another bank, the transfer was refused by Peoples United Bank. Subsequently I received a statement from them showing a {$12.00} Service Charge which reduced the account balance to {$88.00}.
This account has been in existence for decades, from long before Peoples Bank took over the local bank. There has never been a monthly service charge before, and there has never been any information received from the bank about the implementation of such a charge.
I wrote the bank regarding this ( see attached ) but have only received a notice from them indicating that the account has been charged another {$37.00} fee for the overdraft. It instructs me to cover the overdraft as soon as possible and to sign up for overdraft protection.
Because of their reversal of the {$100.00} ACH transfer, the account still has funds in it and there is no overdraft to cover.
I am filing this complaint because the bank was not authorized to levy a {$12.00} Service Charge in the first place, and that the fees they and another bank have levied are all due to their improper application of the {$12.00} fee.
The bank to which I made the ACH transfer has also charged me {$25.00} because Peoples reversed the ACH transfer claiming insufficient funds.
I want your help in having 1 ) Peoples rescind the two fees ( {$12.00} & {$37.00} ) and to reimburse me the {$25.00} fee levied by the other bank. I request that they send me a check for the {$100.00} that was in the account plus the {$25.00} fee from the other bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

2. Account Name : XXXXXX/XX/XXXXAccount Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

3. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Debt collection

I am writing to seek your assistance with an issue involving XXXX XXXX XXXX, XXXX XXXX XXXX, and Moore Law Group, which has significantly impacted me both financially and emotionally. 

I was previously enrolled in a program with XXXX XXXX XXXX, during which XXXX of my accounts was taken to court. XXXX XXXX XXXX, working as part of XXXX XXXX XXXX, was representing me in this matter. However, after being unable to reach a proper agreement with the agency involved, I decided to remove the account from XXXX XXXX XXXX representation. Shortly thereafter, I settled directly with Moore Law Group and have been making regular payments for over a year. 

Recently, I attempted to contact Moore Law Group to negotiate a lump-sum payment to resolve the account. However, I discovered that XXXX XXXX XXXX did not revoke the Power of Attorney ( POA ) they had filed with Moore Law Group. As a result, every time I contact Moore Law Group, they refuse to speak with me or provide any assistance. 

I have made multiple efforts to resolve this issue. XXXX XXXX XXXX has sent me a letter indicating that the POA has been revoked, but Moore Law Group will not accept the letter because it is on XXXX XXXX XXXX letterhead and not issued directly by XXXX XXXX XXXX. 

I have repeatedly contacted XXXX XXXX XXXX to obtain the necessary revocation of POA. Each time, I am told that a paralegal will assist me, but no one follows through. I even reached out to XXXX XXXX, the lead attorney at XXXX XXXX XXXX, who assured me she would assist. However, I am still unable to make any progress, as Moore Law Group continues to refuse to engage with me.

This situation has left me in a state of complete frustration and helplessness. I can not obtain basic information about my account balance, negotiate a settlement, or make any progress toward resolving the debt. This has caused significant financial strain and emotional distress. 

I feel that I have exhausted all options and am now turning to the CFPB for assistance in addressing this matter. I respectfully request your help in ensuring that XXXX XXXX XXXX issues the proper revocation of the Power of Attorney to Moore Law Group so that I can regain control over my account and resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice I have an account that is too old and another account that needs to be updated. Please remove XXXX XXXX account XXXX ( 15 years ) and update XXXX XXXX balance XXXX ( that account was paid in full, balance is XXXX )
Product: Credit card

I had a credit card 'Barclaycard XXXX XXXX XXXX which had XXXX miles in it which were collected by using the card. 

The company closed my account due to non usage of the card and I can not redeem my miles. 

There was no miles expiry date on the redemption page and the company is not allowing me to redeem miles
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint against this erroneous information 4 times already and every time Transunion has fail to provide the proper files to verify the accounts being disputed. I demand the First initial contract with my signature on them that you Transition have on file before reporting them on my consumer file. 

XXXX Submitted on XX/XX/2022 to TransUnion Consumer Solutions XXXX XXXX on XX/XX/2022 to TransUnion Consumer Solutions XXXX XXXX XXXX XX/XX/2022 to TransUnion Consumer Solutions XXXX Submitted on XX/XX/2022 to TransUnion Consumer Solutions My credit report File Number XXXX XXXX XXXX so you don't reply as if you can't locate it.
Product: Checking or savings account

I have been a XXXX XXXX and I received a wisely card with my direct deposits in XXXX. I worked through XXXX and got direct deposits on the wisely card. I have some direct deposit set up on my card but it is not my main card. On XX/XX/XXXX, I went to XXXX and attempted to make a transaction for XXXX $ and it was declined. Once I got into the car I went on the wisely app and immediately called the service line. There were 5 unauthorized transactions. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. All transaction were unauthorized and none were flagged by the Institution. Customer services locked my card, issued another one and said I would receive a letter to dispute to help the investigation. I never received any such letter. On XX/XX/XXXX I filed a report with XXXX XXXX police department and received a case number. On XX/XX/XXXX I received a letter from wisely by Adp cardholder dispute department saying that the investigation is finalized and no credit will be issued. I immediately called the customer service department and they said I would need to write a letter to reopen the investigation. I spoke to XXXX and the call center is in the XXXX. I worked hard for my money and I would greatly appreciate if I can get it back!
Product: Credit card

Today, I logged into my Capital One Account to pay my XXXX credit cards. Upon logging in, I received a notice both my accounts were restricted. I called into Capital One to inquire into this, but was not given any information for the cause. Just told I would need to send in XXXX sets of very sensitive information. Including my ID, Social Security Card, and unredacted XXXX party bank statement, showing the full account number. 

This is highly unusual, and represents a major security risk. While, I have no problem verifying my identity, and no problem providing my drivers license, and verifying my identity through more secure methods, which do not represent such a security risk, I am not willing to provide Capital One with my full bank statements and enough data to allow anyone who might intercept or view such documents with so much sensitive information putting my other accounts in danger, or taking the risk of someone using this data to open accounts w/o my knowledge or approval. 

I've never had a bank request this much information, usually there is a way to verify via txt message, answering security questions, or other methods that do not fully compromise my identity, giving the bank unrestricted access. 

Especially not when I haven't even received written notice, any explanations, or documentation of any kind regarding this unknown issue.
Product: Credit reporting or other personal consumer reports

I spoke with an XXXX Supervisor on or around XX/XX/XXXX at XXXXXXXX XXXX EST. I requested that XXXX remove the Non-mailable address of XXXX XXXX XXXX XXXX XXXX from my Consumer report ; I can not receive mail at the above-listed address. The XXXX agent refused my request after I informed him he was violating my rights. XXXX is willfully reporting inaccurate information, violating my rights, and is non-compliant with the Privacy Act of 1974. XXXX XXXX XXXX and NAVY FEDERAL CREDIT UNION 's terms and conditions of both Bank 's state that they will not report to a non-third-party affiliate.
Product: Credit card

Subject : Formal Complaint Regarding Credit Card Account and Missing Funds Dear Sir/Madam, I am writing to formally lodge a complaint regarding an error with my credit card account and the subsequent handling of my funds. 

Several years ago, I had a credit card account with Bank of America, which I used for a year before closing it. Despite closing the account, the card continued to appear under my checking account, although it was inactive. This situation persisted for years. 

About a year ago, I opened a new credit card account with Bank of America and began using it. A few months ago, I made a payment of {$200.00} toward my credit card balance. Since my new credit card account did not appear on my online banking page and only the old, closed account was visible, I mistakenly sent the payment to the old account. Despite the account being closed, the bank accepted this transaction and deducted {$200.00} from my checking account. 

A month ago, I visited a Bank of America branch to resolve this issue. The customer service representative assured me that I would receive my {$200.00} back within XXXX days. He also asked me to log into my account on my laptop and then deleted all information related to my old credit card from my account, which I did not request. 

Today, I visited another Bank of America branch to follow up on this issue. However, XXXX XXXX, the bank representative, informed me that I need to provide information about my old credit card account to resolve the issue. Since the information was deleted by the previous representative, I am unable to provide it. I believe the bank should have records of this account and should be able to assist me in retrieving my funds without requiring information that was deleted by your staff. 

I request your immediate assistance in locating my {$200.00} and refunding it to me as soon as possible. This situation has caused significant inconvenience and frustration, and I expect prompt action to rectify this error. 

Please contact me at email XXXX to confirm receipt of this complaint and provide an update on the resolution process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit card or prepaid card

Apple credit card managed by Goldman Saks was used to purchase Apple MacBook Pro 13 '' notebook on XX/XX/XXXX at Apple Store online. The amount was {$1600.00} and {$150.00} sales tax as 2 separate transactions. An order was never created. 
Apple Customer Care admitted that it is a known problem happening for a new Apple credit card but was assured that these 2 charges would be automatically dropped from my account in 2-3 days. 
These are still active charges after almost a month, and a number of calls between Apple Store Customer Care and Goldman Saks Support managing this card for Apple did not address the issue. 
Only yesterday after I escalated issue at Goldman Saks Apple Card Support its manager XXXX finally admitted that it is a known problem for this card. 
She created a case # XXXX on XX/XX/20 to remove these 2 charges. 
But when I asked when these illegal charges would be removed she put me on along wait to consult somebody else, and returned back saying it would take another 30 days to investigate this contradicting that she clearly saw that no order was associated with these 2 charges. She neither sent me email about this issue nor would send me mail about it. 

Currently there are 2 charges : {$1600.00} and {$1700.00} I used this card for a recognized {$1600.00} charge. {$150.00} is interest charge from that not created by Apple Store order.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting inaccurate information to my credit profile violating the FCRA guidelines as a consumer also the account is identity theft and reporting fraud to my credit profile which is a violation of the FCRA the company can not provide proof of verification I am not responsible for this account the account was deleted and reinserted atfer five days without my knowledge that is also a violation of the FCRA I would like a full investigation and I would like to be provided directly with proof I am responsible for this a debt also I would like this account block and deleted from my credit profile permanently.