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

Today I called Capital One regarding my credit card acct at XXXX and spoke with XXXX . I was asking about possibly getting my APR lowered and was told that " as a financial institution, Capital One does not lower APRs '' and that I am subjected to variable rates. I thought it was up to their discretion as an institution regarding APRs and lowering them if asked, etc. Please advise. Thank you.
Product: Mortgage

My mother passed away on XX/XX/2021 and I was named personal representative for the account. I contacted Wells Fargo in XXXX to ask what documentation they needed to change the address on the account to mine since we were selling the house. They told me they needed a written request to change the address, the death certificate for Mom and the document showing I was named personal representative for her estate. This information was provided on XX/XX/2021 and I received a letter from Wells Fargo on XX/XX/2021 that they had received the information and would start reviewing. 

We sold the house on XX/XX/XXXX and Wells Fargo received the payoff on XX/XX/2021. The new owners received the payoff acknowledgment letter from Wells Fargo so I called to ask why the address had not been changed yet. I was then informed that the request came under the Successors in Interest rules and could take up to 45 days to review. The employee did confirm that all required information was received, but had not been reviewed. I knew an escrow check was owed to Mom 's estate and asked them not to mail to the address on file since we no longer own that house. They could not agree to this and would not confirm if an escrow refund was due ( although I was able to obtain this information through their automated system ). I was told the review would be completed by XX/XX/2021. 

On XX/XX/2021, I received a letter stating they needed additional time and the review would be completed by XX/XX/2021. I called on XX/XX/2021 to inquire about the status and after speaking with 5 employees ( each transfer supposedly to someone who could resolve this issue ), I still don't have a resolution. They told me " their hands were tied '', " the delay was due to COVID '', " they are not sure when it will be resolved '', etc. They continue to tell me they can't give me information on Mom 's loan because " the account hasn't been updated to authorize me ''. While I understand the need to confirm the information, I don't understand why they haven't reviewed the information within the last XXXX months, but continue to mail information to strangers although I have asked them several times to stop mailing to that address. Based on their automated system, they mailed the escrow refund check on XX/XX/XXXX, but the new owners indicate they did not receive it ( but could have cashed it - I don't know these people ). I have a huge issue with WF continuing to mail personal information to strangers while insisting they are protecting mom 's information. 

I feel like WF is using COVID as an excuse to not comply with the Successors In Interest rules. They received full payoff and did not lose any money on this account so I don't think they care about helping me.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CEDIT REPORTING ACT, THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC UNDER 15 USC 1681. 

XXXX XXXX XXXX : ACCOUNT # XXXX 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AFENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHR ADVERE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT SEVEN YEARS.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF GTHE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

ATTACHED ARE CURRENT REPORTS FROM ALL THREE BUREAUS SHOWING DATE OF LAST ACTIVITY RECORDED INACCURATELY. THE XX/XX/scrub>30/60/90 LATE PAYMENT RECORDS ARE DIFFERENT AND INACCURATE. XXXX SHOWS CURRENT PAYMENT STATUS AS 60 DAYS. XXXX REPORTS IT AS 30 DAYS. EXPERIAN REPORTS THIS SAME STATUS AS AGREED. EACH OF THE THREE REPORT PAYMENT HISTORY OF SAME ACCOUNT DIFFERENTLY. XXXX 75 %, XXXX 100 %, AND EXPERIAN 80 %. AGAIN, FOR THE SAME ACCOUNT. 

I am writing to urgently dispute inaccuracies on my credit reports with XXXX, XXXX, and Experian. These inaccuracies are critically damaging my finances and severely affecting my ability to purchase a new home for my family. 

The inaccurate information is causing significant harm to my credit score and, consequently, my financial stability. I request that all three credit bureaus promptly investigate and correct these inaccuracies to reflect my true credit history. 

Your immediate attention to this matter is greatly appreciated.
Product: Mortgage

MY Mortgage was sold to BSI on 1XX/XX/2021. I received a delinquent notice from my City Tax office seeking property tax payment as BSI has not pay the property taxes. I sent the company an email notifying the collection notice and seeking a call back. I received a password protected letter from BSI only stating that this was an attempt to collect a debt rather than paying the taxes that they owe. I am seeking your advice and intervention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$7400.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Subject : Unauthorized Credit Inquiry and Request for Wet Signature Copy I am writing to bring to your attention a matter of significant concern regarding an unauthorized credit inquiry on my credit report. 

On [ date of the inquiry ], an inquiry was made on my credit report without my authorization. According to the Social Security Administration and relevant guidelines, you are required to obtain Form SSA-89, which authorizes the release of my Social Security Number verification. I have not given consent for this inquiry, and I believe it may have been conducted without proper authorization. 

To resolve this issue, I am formally requesting the following : 1. Proof of Authorization : Please provide the original Form SSA-89 with the wet signature that I signed, authorizing this credit inquiry.

2. Investigation and Removal : Conduct a thorough investigation into this unauthorized inquiry and take the necessary steps to remove it from my credit report if it is found to be unauthorized.

3. Confirmation of Compliance : Provide confirmation that all procedures were followed correctly as per the Fair Credit Reporting Act ( FCRA ).

This situation is extremely serious and constitutes potential identity theft. I never signed the form in question, and I am deeply concerned about the unauthorized access to my credit information.

Please provide the requested documentation within 3 days of receipt of this letter. Failure to address this matter promptly will result in me escalating the issue, which may include filing a complaint with considering legal action for identity theft and unauthorized access to my credit information. 

Thank you for your prompt attention to this serious matter. I look forward to your immediate response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Product: Mortgage

First Home Mortgage claims not to have received my mortgage payment, despite my bank showing that payment was received and deposited into their account. Instead of investigating this matter on their own, First Home Mortgage required me to do all of the legwork to prove that they had cashed my check. They do not accept emailed images of the canceled check, requiring faxed materials instead. If a check has been cashed by a lending institution, it should not be the borrower 's obligation to demonstrate that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account that belongs to a business they keep reporting it to my credit and I'm not the owner
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
FAMILY SUPPORT DIVISION # XXXX account is reporting 120 DAYS LATE on XX/XX/XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the FAMILY SUPPORT DIVISION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of FAMILY SUPPORT DIVISION WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged 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 showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

Asset care LLC is reporting a medical debt collections account on my report. This is a breach of my privacy, further more a violation of the FCRA to report false and incorrect information. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018, I was giving an offer for a credit loan from Upstart through XXXX XXXX in 2018 and it clearly stated this offer will not effect my credit and the inquiry will be a SOFT inquiry. The process took less than an hour and I was approved with the money in my account. Recently I ran my credit to find out the Upstart inquiry was not a SOFT but rather a HARD inquiry and it showed on multiple credit agencies. On XX/XX/XXXX I contacted Upstart regarding this issue and in fact they confirmed that the offer was made with SOFT inquiry however when it came time to finalize the loan they did a HARD inquiry. 
I asked the question why was I not told about the changes prior and the representative said : it was written on line # 13 of the disclosure statement. Since most of not all consumer do not read every single line of the disclosure and only look the apparent concerns like the payments, interest rate, amount of payments, it makes this business practice very misleading. It would have been more transparent from Upstart to disclose the HARD inquiry procedure the same way they disclosed the SOFT inquiry from the get go.
Product: Student loan

Since around XX/XX/XXXX, I have probably received well over XXXX phone calls for people trying to collect an XXXX bill for a XXXX. I am not that person. 

I have filed well over XXXX complaints with the Federal Bureau of Investigation regarding the hanus crime of robo calling. you guessed it they used a f'in machine to call my house. I would argue the volume of calls violates the Fair Debt Collection Practices Act, and every single call violates the Telephone Protection Act of 1991. 

Recently I was mailed a complete list of every single payment or wage garnishment XXXX has made including his XXXX contract i am thinking that must violate some type of privacy law. 

XXXX has never lived with me, nor have I ever met the guy, but I think he gets more mail to my home than i do. 

I do indeed owe Federal Student Loans I get enough robo calls about my own XXXX loan. Never mind this guys.
Product: Vehicle loan or lease

I AM struggling to pay my car loan and they are going to take my car from me on XX/XX/2023 if I don't pay the full amount of {$900.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised in XX/XX/2022. My information is on the dark web. My information has been breached by several companies including XXXX, and XXXX XXXX XXXX, XXXX. Since then the individual with my information has opened several accounts in my name. They had a utility account in Arizona, a townhouse in my name in Arizona, and renters insurance. The most recent account that has shown up on my credit report is with XXXX XXXXXXXX, at home address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  They opened the account in XXXX. 
They have also tried to get furniture in my name. I check my soft inquiries and see that they are still actively attempting to use my credit file. 

I have contacted EXPERIAN and they will not suppress the fraudulent information within 4 business days per 15-US Code 1681c-2 The Experian upload system is difficult to use and will not allow me to upload documents. I have sent them these documents several times and I do not have a vehicle to get to the post office. EXPERIAN creates multiple hurdles for victims of identity theft which makes it very emotionally stressful and difficult to remove fraudulent information from my credit report. This is impacting my ability to purchase a home for my family.
Product: Debt collection

XXXX XXXX XXXX, as the supposed duly appointed Trustee for Deed of Trust recorded XXXX/XXXX/XXXX in Book XXXX, Page XXXX of the Official Records in the office of the County Recorder of XXXX County, is trying to foreclose based upon loan modification documents that were forged by Wachovia/Wells Fargo Bank whose primary objective has been to force all XXXX Pick-a-Payment loan borrowers into foreclosure since at least XX/XX/XXXX. 

The XXXX County Recorder 's office has no records of any transfers or re-assignments of either the original Beneficiary or Trustee. The Beneficiary that is still in place is XXXX XXXX XXXX. The Trustee still in place is XXXX XXXX XXXX XXXX XXXX XXXX, a California Corporation. 

I have checked with XXXX, XXXX XXXX and XXXX Servicer ID for the current ownership of the loan being foreclosed upon. XXXX and XXXX XXXX both deny ownership via their online verification system. XXXX ServicerID also has no record of this loan onn it 's online database. 

XXXX XXXX XXXX and Wells Fargo will not produce documents verifying the current legal Beneficiary or Trustee when requested. XXXX XXXX XXXX will not respond at all, other than to send multiple copies of the Notice of Trustee Sale with an updated sale date.
Product: Mortgage

I have been working with SoFi since XXXX for a home refinance. I started this process and selected their company as they offered a competitive rate ( historic lows ) and low closing costs. I would have selected another bank in fact if their closing costs they represented were actually accurate to what they then modified throughout the process - as their rate was not the lowest. Since XXXX, I am still in the closing process, and have in fact had my closing scheduled and canceled Bc of disorganization or what appears now to be discriminatory behavior on their end. The amount of documentation, and verified, credit cards information, multiple credit runs, employment verification over and over this 5 month process has been unimaginable. I have complied in every attempt to make this work, but it appears this bank does not want to proceed with this refinance for some reasons. I have excellent credit, payment history and employment, so there is no reason this loan should be denied. Im at a loss and frustrated that i have not been afforded the opportunity to get a more competitive rate in the market Bc of the actions of this company. The have lied throughout the processes making it impossible for me to move on to another institution to take advantages of the rates in a timely manner. As they will see from my document history I provided nearly all documents in less than 3 days keeping the process moving. The screen shot attached shows my compliance since XXXX and my showing as XX/XX/XXXX ( even though its 2 days away and they requested 2 more documents today and have not scheduled a closing ).
Product: Debt collection

this debt, original creditor capital one account XXXX was settled in full with a partial payment with the original creditor capital one, they cashed the check submitted which noted partial payment for payment in full on it, the origins creditor subsequently a few days after cashing the check illegally sold the debt to XXXX  XXXX XXXX who has all the pertinent information but illegally leaves the trsdeline on my credit reports
Product: Mortgage

The money source, as well as the original lender of this loan -- '' XXXX XXXX '' -- -. Since XXXX of the year 2020, has repeatedly made changes to my account without my consent. After 2 years of complaints to the each company, ALL my complaints were ignored. Now, my ability to obtain credit has been hindered/ restricted due to the fact that changes were made to my account -WITHOUT MY CONSENT. My mortgage account was put into forbearance without my permission. Now because of these companies actions, I am unable to obtain any new credit account. I have enclosed proof of my application for new credit which was denied based solely on the actions of these companies.
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE FRAUDULENT inquires ON MY ACCOUNT IVE FILED A FTC REPORT. FTC Report Number XXXX THESE ARE HIGHLY AFFECTING MY CHANCES AT NEW CREDIT PLEASE REMOVE ASAP UNDER 15 USCODE 1681c-2- BLOCKING OF INFORMATION RESULTING FROM IDENTITY THEFT. 
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: Debt collection

I filed a dispute stating the debt XXXX XXXX XXXX XXXX XXXX was trying to collect was not valid. I furnished them with the email requesting cancellation of the membership and conflicting amounts that were claimed to be owed within the allotted time frame via certified mail. This company reported this debt without an investigation or any communication after my dispute was sent. They did not even report it as disputed. Which is illegal.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.