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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  Date : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I called Bank of America, with what I thought was a simple question, 45 minutes later, the young woman is telling me to call a fraud department of B of America the next day between XXXX & XXXX CST. I called constantly for an hour no answer. I called back on the XXXX number and I spoke with someone who had no clue about what I had assumed was a simple question. Here 's the question " I said my car company XXXX is refunding me {$300.00} for a courtesy car and the Account is deactivated and the card is changed. '' One woman went off on a crazy exchange saying to me did you give XXXX the money and I had no idea where that came from. So, I spoke with 4 people and no one could come close to answering this seemingly simple question about my account. I went initially to be concerned to being outright afraid. How can they handle my Banking needs if they are unable to answer a simple question?
Product: Credit card

XX/XX/year> I purchased a swing crib from XXXX  XX/XX/XXXX or XXXX I sent a form on the XXXX  website that the product doesn't work the baby just falls to one side and it seems like a safety hazard. 

XX/XX/XXXX they replied saying I can adjust and they would give me XXXX % off for the order. 

XX/XX/XXXX I replied saying I would just like to return it I tried the lowest setting and it was still an issue XX/XX/XXXX we went back and forth they wanted me to pay to return it and I didn't want to pay anything as they had a satisfaction guaranteed clause. I said this was a cause fr me to do a chargeback on my credit card. They didn't reply so I disputed the charge with capital one. 

XX/XX/XXXX capital one refunded me XX/XX/XXXX XXXX replied saying they would cover half the shipping but I was already going to just do a chargeback with capital one. 

XX/XX/XXXX XXXX  reached out and said they received the chargeback and the payment is frozen if agree to cancel the dispute they can give me a full refund. 

XX/XX/XXXX I replied yes proceed XX/XX/XXXX they replied once it shows the dispute is cancelled we can refund you. 

XX/XX/XXXX capital one said the merchant had responded and that the case would close XX/XX/year> XX/XX/XXXX I emailed XXXX saying the case was closed to please proceed with the refund they didn't reply XX/XX/XXXX I called and explained the situation and was told to upload some stuff and then wait to see if they refunded if not call back and reopen. 

XX/XX/XXXX I call and say they haven't refunded me still they say to upload some documents and call later after XXXX XX/XX/XXXX i call they say they need more time XX/XX/XXXX i call they say they need more time XX/XX/XXXX I called and have to escalate to the manager he was extremely combative and rude. He tells me that there is nothing they can do as we are outside of the XX/XX/year> deadline I find this ridiculous that this is the case as I was told on XX/XX/year> to wait and XXXX other people I has contact with beforehand did not tell me this. He also said them saying they would refund me doesn't mean they will refund me to the card so that doesn't mean anything. I find this ridiculous as it's obvious that the refund will go back to the card unless specified otherwise.
Product: Credit card or prepaid card

In 2016 I applied for a Capital One Saks Mastercard. I was advised that the product was going through a change. As such, I was approved for a Saks store brand card by Capital One until the product change was completed. I was advised that I would be upgraded to the Mastercard in which I originally applied. Capital One has now indicated that I would need to cancel the existing Saks store brand card it approved and re-apply for the Saks Mastercard. Not only does this contradict the bank 's initial disclosures upon acceptance of the Saks store brand card, re-application for the Mastercard in store is not only impossible given our current climate but it would involve a new inquiry on my credit.
Product: Vehicle loan or lease

I normally pay my car loan on my first check of the month, which is usually within the 10 day grace period of my contract. The day after the loan is due, I get harassing collection calls. They leave voicemails daily and keep calling after the voicemails are left. I will pick up the phone and they hang up on me. This harassment continues until the bill gets paid irregardless of me speaking to them and making an arrangement.
Product: Mortgage

I originally had bought a condo here in XXXX in XX/XX/XXXX with an interest only XXXX loan. The XXXX % was a 5-yr ARM and the XXXX % was a Heloc. I had used a loan officer in XX/XX/XXXX to deal with the bank at the time ( XXXX was first then XXXX then XXXX XXXX XXXX and now Nationstar ) which was XXXX XXXX XXXX. They told us no as I did not qualify for any programs at the time even tho I was never late and had high credit score. At 5-yrs I contacted them myself to same end. Then with the rates so low it adjusted in half and continued to remain low with each adjustment at every 6 months. Then I retired XX/XX/XXXX and XX/XX/XXXX they sent letter saying they were charging me XXXX dollars each month towards principal along with the continuing XXXX plus dollars interest. I have paid at least XXXX dollars interest only on the loan. I called them after receiving the letter only to be told i had XXXX options. Lower rate which I was already at lowest or extend term of loan but that it would cause me to have higher rate which would wash out savings. So they told me to best stay at where I was. I paid the principal only for XX/XX/XXXX then just stopped paying both banks, Nationstar and XXXX. I know Nationstar has several lawsuits against them thus far. No harrassment as of yet, but My loan is going into default then foreclosure soon. I am contemplating seriously Chapter XXXX Bankrupcy. My credit was at XXXX plus or minus til this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Loan # XXXX -I have disputed this account multiple times and it continues to be removed then 2 months later re-appear on my report then changes an amount or date. Nothing has been consistent and they continue to report and change dates that are not wrong. When I first sent a letter to dispute, I disclosed that I didn't even open an account in XXXX. XXXX  Loan # XXXX continues to find some small loop hole to be able to report and its deceitful and prolonging my ability to purchase a home. I know this should be removed because it has been previously, then when I check my credit 2 months later it re-appears without in notice to me and has a different number and amounts. I want this account removed immediately from my credit report. Especially since this account has not showed back up on XXXX from dispute.Dates of letters regarding this account : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. XXXX XXXX XXXX still report incorrect and negative items although they said they would stop collection actions. XXXX XXXX has sent me over 130 harassing letters which I have not opened and returned to sender. XXXX XXXX, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to Transunion took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX  : I had an issue with XXXX XXXX regarding money I added to my XXXX XXXX account to use for online purchases. When I added the money, I was never informed that I would need a XXXX ID to use the service. I was able to add the money without any issues, but when I tried to use it, I was told that I needed to verify my identity. 

Since I dont have a XXXX ID, I decided to wait and call XXXX the next day to speak with a representative and see what could be done to get my money back. However, I was shocked when they told me that I wouldnt be able to get my money back because I dont have a XXXX ID. 

All I want is to get my {$20.00} back because, honestly, XXXX not interested in using XXXX XXXX or XXXX XXXX anymore. On top of that, they already banned my account, so XXXX cant use it at all. They are making it very difficult for me to get my money back just because I dont have a XXXX ID, and I dont think its fair to have to wait indefinitely and leave my money stuck there with no way to access it.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I logged into EquifaxXXXX and no history is pulling up on my credit report. I pay {$19.00} a month for the Equifax services with identity theft insurance and restoration services. My data has been compromised and I am a victim of identity theft. Attached are supporting documentation ( ID etc ) to complete investigation. 

The identity theft restorative services that I pay for comes with : Social Media Monitoring, Device Protection, Parental Controls, VPN, & Password XXXX XXXX searches the XXXX XXXX for your personal data Credit alerts help you detect fraud faster ID Restoration Specialists help you recover from ID theft Up to {$1.00} XXXX in ID theft XXXX to help you recover from ID fraud The identity theft plan I pay for is suppose to help with : Protect Your Identity Device Protection Help protect devices from ransomware attacks and phishing attempts, and block dangerous websites. 

Identity Restoration " a dedicated Identity Restoration Specialist '' to help with " the financial cost of restoring your identity '' which can be high - we reimburse many different out-of-pocket expenses. Up to {$1.00} XXXX  in Identity Theft Insurance- when it comes to monies owed, everything is done to prevent me from accessing reimbursement - a form of financial abuses. 

Monitor Your Credit and Identity Equifax Credit Monitoring with Alerts Credit Monitoring with Alerts Receive email alerts about new credit inquiries and credit accounts on your Equifax credit reportXXXX to help spot signs of fraud. You can also be alerted to changes to your Equifax credit XXXX. 

Updated Equifax Credit Report. Updated Equifax Credit ReportXXXX Your Equifax credit report is updated every time you log in, up to once daily. 

Updated Equifax Credit Score. Updated Equifax XXXX XXXX. Updated Equifax Credit ScoreXXXX Your Equifax credit score is updated every time you log in, up to once daily. Your credit report is a summary of your credit history, as reported to Equifax. Youll see your most updated Equifax credit score that lenders may use when reviewing credit applications.

Lock your Equifax credit report to help prevent new or additional credit from being opened in your name. 

I received the " Remedying The Effects Of Identity Theft ''. Fraud alerts were placed on my Equifax file back in XXXX as well as extended alerts in XXXX. I was also a part of two data breaches with Equifax over the years. 

Being Billed for Services Not Rendered - Equifax XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

At the time this account was opened I was incarcerated from XXXX until XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Wells Fargo account reporting on XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with Wells Fargo and XXXX  and they have failed to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there are Addresses seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The following Addresses were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

On XXXX XXXX, XXXX I contacted my loan servicing company Mr. Cooper to ask what were my options regarding a loan modification because my apartment building was affected by hurricane Irma. The associate asked me what I could afford to pay and we agreed upon XXXX$1000.00}. My monthly payment is {$3400.00}. She said that I could have a forbearance payment for a 3 month time frame. I paid the {$1000.00} that day online as I usually do. On XXXX XXXX a representative from Mr. Cooper called and informed me that my lender did not accept the forbearance agreement and now I am expected to pay the full amount. I was notified 6 days before the end of the month that I would need to pay the remaining {$2400.00} before the end of the month or it will show up as a late payment on my credit. I actually talked to several associates and some said that my account was still coded as being in forbearance, but the last associate told me on XXXX that if I did not pay the remaining balance by XXXX that my credit would be negatively affected. I am waiting for an associate from XXXX XXXXXXXX ( the lender ) to return my call. What kind of ethical business practice is it for the servicer to tell me I am in forbearance and the to tell me 6 days before the end of the month that I am not ; while forcing to come up with extra money that I do not have in order to not affect my credit? I have never been late on a payment and I feel like this is deceit of the utmost level. Its almost like holding me hostage for the sake of not ruining my credit. There was a statement on the site that stated I would pay {$1000.00} for 3 months but that statement has now been removed, as well as the statement that showed my {$1000.00} payment with no balance owing. It has been replaced with the statement that I have attached below. If you read the small print it still makes reference to a forbearance amount. I have attached the statement below. Unfortunately I receive all correspondence with them electronically.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted chase bank due to fraud on my account. Chase told me not to worry and then sent out a new card. Come XXXX XXXX XXXX I notice an unauthorized charge from XXXX and they tell me it somehow processed on my old card and not to worry because I would not be responsible for this charge. XX/XX/XXXX I get a letter stating that I told them this charge was valid and that is a flat out lie. The charge was for XXXX which is a significant amount. My fear is that now I need to get legal representation because they say had an investigation but never asked me for any information. Everytime I call I am hung up on or transferred and transferred and transferred and then that person will tell me not to worry and that I am not responsible for those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # Caine and Weiner company has violated my rights. 

15 USC1681 section 602 states I have the rights to privacy.

15 USC1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

I had XXXX XXXX on my vehicle and it is 100 % paid off from XXXX .This account was a result of an unpaid insurance bill for a car that is no longer serviceable and gone forever and its unfair to me and my current financial hardship. My vehicle was declared a total loss, I lost everything. My job. My place to stay. My insurance agent said I was 100 % covered during the time of my accident. My claim took a outstanding time to handle and Im exercising my rights to have this account removed for various reasons, it affecting my ability to get another car because lenders wont lend to me because of the collection, violating my rights, and I did not consent to do business with craine wiener company in any way. I want this account removed immediately from my credit report so that I can have a chance to rehabilitate my self and get another vehicle please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance : {$7900.00}, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance : {$3000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a charge dispute with my credit card issuer, Chase Bank regarding a charge made on XX/XX/XXXX with XXXX XXXX XXXX, under chargeback reason code 30. ( Failure of XXXX XXXX XXXX to provide service as stated in their service contract to me. 

I received acknowledgement of my dispute from Chase shortly thereafter, however on XX/XX/XXXX, I was advised by Chase that the dispute was closed due to no response from me to phone calls or letters mailed to me. I advised the Chase CSA 'XXXX '' that I never received no phone calls or correspondence from Chase through the pending dispute. XXXX advised me to resubmit the complaint requesting the dispute be opened. 

On XX/XX/XXXX, I resubmitted the dispute to Chase. 

Today, XX/XX/XXXX, I telephoned Chase for a update, since I never received any correspondence or update regarding the re-opening of this dispute. 

The Chase CSA ' XXXX ' advised that Chase did receive the dispute and it has been assigned and they are waiting for a response from the merchant. 

I asked if they ever received a response from the merchant since I initially opened the dispute on XX/XX/XXXX. He could not provide an answer. I asked XXXX, why Chase is not acknowledging my complaint received as required by law. he could not give me an answer. I asked XXXX if they have record of the aledgedly phone calls or letters mailed to me prior to Chase closing the dispute. He could not provide an answer. 

I believe Chase is not servicing this dispute in the time constraints required by credit protection law and request an intervention by the CFPB in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I stated to Equifax over and over that this account is not mines its a fraudulent account i files police reports and identity theft report and they have yet to remove it from my credit! 

XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX