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

A charge in the amount of {$310.00} happened on X/XX/17 on my Amazon Chase card. I agreed to pay the merchant {$60.00} US dollars not {$310.00} dollars for a silver bracelet in XXXX. The clerk performed the rate conversion in front of me ( twice ) and assured me the price charged would be {$60.00}. There was a miscommunication between the clerk and the cashier. I was charged a different amount than what was agreed upon. The cashier swiped my card for a different amount than what the item cost, which is incorrect. I filed a dispute within a few days of the transaction and issued a temporary credit which was later reversed. The merchant submitted a receipt to Chase with the incorrect amount on it. I have tried to speak with various people in the Chase dispute department. The last person that I spoke to was the Credit dispute Manager on X/XX/17. The Credit Dispute Manager was not able to provide me the merchants phone number, website, description of the item purchased and the address of this merchant. She claimed to not have that information on file. The receipt the merchant provided as evidence also does not have that information. I mentioned to the Customer Dispute manager that I would like to contact the merchant and ship back the bracelet for a possible refund. Chase has denied my initial claim due to receiving the merchants receipt and me not having any other evidence to submit. The only thing the Customer Dispute manager told me to do was to send another letter to re-dispute this outcome of this investigation. They would also not state if they even had an appeal process, so I just mailed them a certified letter opposing their decision.
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. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 
2. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
3. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
4. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
5. Identity Theft XXXX  XXXX Account Number : XXXX  As A Consumer By Law This account Must Be Removed Immediately. 
6. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
7. Identity Theft A L XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
9. Identity Theft XXXX Account XXXX : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Capital One Financial Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - 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: Credit card or prepaid card

During the week of XX/XX/XXXX, my husband asked me to fill out a credit card application for him for an American Express Platinum business card. The app was done on line, using his name and business. However, when I received the card it was made out to me instead. This was not a preapproved form. This was from their website.

I have been trying for 2 days to fix this.

I was transferred to 10 different people.

I was told I used the wrong phone number to reach them and then they gave me the same phone number I had dialed.

I was told the name couldn't be changed for 6 months.

I had to explain the problem to each person and then I was told I had the wrong department I was asked my social security number and my husbands several times and then they would transfer me.

The last 3 people I talked to I told them I was fed up and just wanted to cancel the card, and they would just keep transferring me. I finally hung up because he was going to transfer me again.

The card had an offer of XXXX miles but that ended on XX/XX/XXXX.

And I still have to figure out how to cancel the card so I am not billed their fee., I have never had such horrible customer service except maybe from XXXX XXXX .

In completing this form it asks if someone else is involved and are they an additional card holder or is it a joint account. It is neither, it was to be a credit card in his name only.
Product: Payday loan, title loan, or personal loan

I applied for a {$500.00} loan. I was approved by CashnetUSA. They deposited {$420.00} into my checking acct. {$75.00} of the loan went to CashnetUSA for fee. I have been paying monthly ( since XX/XX/2021 ) on this loan by electronic payment debited from my checking account. I have paid a total of over {$800.00} through monthly payments for a {$420.00} loan and my balance owed on the loan as of today is {$420.00}. I basically have paid this loan down by {$4.00}, but yet have paid over {$800.00} towards the balance. This is absolutely unacceptable to do this to a person.
Product: Debt collection

for weeks sev.x a day.Wo n't lv.msg or identify. I picked up once & said if they wont dentify, send a letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I do not recognese these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

US Department of Education continues to report inaccurate information on student loan debt. I have contacted every possible department, third party lender, and available number, and no one will help me. This has destroyed my life and credit. I can not get housing! I can not get housing! I can not get housing! They don't even have the correct loan servicer listed on the web site to make a payment! I have had to track down where to actually pay! I have written proof they should not be reporting borrowers right now, and the continue to UPDATE my CREDIT REPORT AS DELINQUENT!
Product: Credit reporting or other personal consumer reports

I have repeatedly raised concerns with XXXX regarding inaccuracies persisting in my credit report, despite numerous notifications you ( XXXX ) continue to report this inaccurate information. This situation not only appears to be grossly unfair but also runs afoul of the law. As stipulated in 15 U.S. Code 1681 ( b ), reporting agencies are mandated to adopt reasonable procedures for the fair and equitable treatment of consumers concerning the confidentiality, accuracy, relevancy, and proper utilization of information. 

The ramifications of this inaccurate reporting are severely hindering my ability to move forward in life with my family. I have explicitly communicated to ( XXXX, XXXX, or XXXX ) that I do not consent to the inclusion of this flawed personal information in my consumer report and they need to be deleted because of inconsistent information. This stands in clear violation of both 15 U.S. Code 1681 and 15 U.S. Code 1681c2. I insist that you ( XXXX ) take immediate and decisive action to block and delete the specified personal information from being reported on my consumer profile within four days of receiving this notice. I anticipate your prompt response and resolution of this matter, recognizing the gravity of the situation. 

You are required to do what I am asking and block and delete the mentioned accounts in my attached letter from being reported to my consumer report within 4 days from the date of the receipt of this notice. This request is not being made in error and I will be contacting both of the other bureaus ( XXXX XXXX XXXX ) that are also in violation of reporting this account inaccurately.
Product: Money transfer, virtual currency, or money service

In 2022 I had my account hacked what was my savings my account was my personal info was put on the dark web and now I'm having to have my credit fixed lost over {$5000.00} dealing with Cashapp
Product: Checking or savings account

In XX/XX/2020 I started receiving account statements from SunTrust XXXX XXXX, TN ) but I never opened an account with them. Now I am receiving notices that I owe {$17.00} for processing fees ... again, I never opened the account and do not want the account. I have tried to close the account with no success.
Product: Vehicle loan or lease

Installment Loan Statement billing address change request is being ignored by Citizens One. 

It took months for Citizens One to address an error in the first billing address. They forgot to include the apartment number. 

When Citizens One made the apartment number correction I received my first installment loan statement and I returned the bottom portion with a checkmark in the box for address change request. I also completed the backside with the new address. 

Many requests for the address change was made to Citizens One. The last request was made via email on XX/XX/2020 at XXXX XXXX EDT. As of today no response to this email from Citizens One and I have not received an installment loan statement at the new address.
Product: Credit card or prepaid card

ON XX/XX/2022 we went to XXXX attended the presentation. XXXX XXXX ( different name on the credit card statement ) try to sell us membership ( said that it was not time share ). The price was too high, we were told we have 2 years to cancel with full refund. later found out that was not true. It's only XXXX days to cancel. This is fraud, and now they don't want to cancel the contract saying that I signed the contract. This is another lie because they emailed the contract on the wrong e-mail address, so I never received the contract. When they send me the signed contract i see that they used my signature ( fraudulently ) to put everywhere in the contract that I never received. 

The name showing on the credit card as a merchant is " Loyalty travel destination '' but the name where to send payment and correspondence is " XXXX XXXX XXXX ''. The business card shows " club sunset '' and the place is called " XXXX XXXX '' who knows how mayny more names there are.
Product: Mortgage

Dear Mr. Cooper, I am writing to express my frustration and disappointment regarding the ongoing issues I have been experiencing with your company in regards to our application to assume a VA home loan. I would like to provide a detailed account of what has transpired thus far, in the hopes that it will help resolve the situation. 

The initial communication regarding this matter took place on XX/XX/XXXX, when my husband submitted all the required documents and information as requested for the VA home loan assumption. Following this, he continued to provide clarification and additional information via email on XX/XX/XXXX, and again on XX/XX/XXXX. My husband resubmitted important information via email earlier this month ( XX/XX/XXXX ). 

Despite our repeated attempts to engage with your company, we have encountered numerous obstacles and challenges throughout the loan assumption process. Both my husband and the sellers have made multiple phone calls to Mr. Cooper, but unfortunately, these efforts have been met with inconsistent and unreliable assistance. Often times, calls get disconnected, leaving us confused and without resolution. 

I want to emphasize that we are not looking to file a complaint against your company. Our main objective is to ensure that our application to assume the VA home loan is seen and processed in a timely manner. We meet all the prerequisites for the loan assumption and are eager to continue this process. We have been cooperative every single time and have always been super efficient in terms of being responsive to any requests or inquiries. We believe we are ideal candidates for this process, as we have thoroughly studied what Mr. Cooper looks for when approving applicants and have provided them with all the required documents twice. 

We kindly request your immediate attention to this matter and ask that you prioritize the processing of our application. We understand that unforeseen circumstances may arise, but we would greatly appreciate regular updates and clear communication throughout the process. Your prompt action in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. We look forward to a positive resolution and a smooth continuation of the loan assumption process. 

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

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I was contacted by National Check Resolution on XX/XX/19 screaming at me and threatening to sue me or damage my credit if I did not pay immediately! I was terrified so I agreed to settle the debt for {$1000.00} dollars beginning on XX/XX/19 paying {$75.00} every 2 weeks. They took payments on the following dates all in the amount of {$75.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last payment should have been on XX/XX/19 in the amount of {$55.00}. No payment should have been taken after XX/XX/19 as the debt was satisfied.
Product: Vehicle loan or lease

I lost my job at the end of XXXX due to COVID-19. The only financial assistance Ford Credit is offering is in the form of deferring one payment with a {$98.00} fee. That doesn't help the situation whatsoever, it only makes it worse. It seems to me that it's only a way for Ford Credit to get more revenue while taking advantage of a global pandemic and people losing their jobs.
Product: Credit reporting or other personal consumer reports

This complaint is regarding the handling of my credit report dispute. Despite providing clear explanations of the errors in my credit report, Experian has failed to conduct a thorough investigation, as required by the Fair Credit Reporting Act ( FCRA ). The errors I have disputed are significant and have impacted my credit score and overall financial health. However, the investigation process was neither comprehensive nor compliant with the legal obligations Experian has under the FCRA to ensure that all information reported is accurate and complete. 
I have not received any substantial response or update regarding the status of my dispute, nor have I been provided with a detailed explanation of the findings or the steps Experian took to investigate these errors. This lack of follow-up and failure to correct inaccuracies is not only a violation of the FCRA but has also caused unnecessary harm to my creditworthiness. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Please see COMPLAINT ID : XXXX and XXXX for reference to the described errors.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. I previously requested XXXX XXXX XXXX to validate the account in question. However, they have failed to provide sufficient documentation, such as proof of the original creditor, account details, or any agreement linking me to this debt. 

According to the FDCPA, if a debt can not be validated, it must not be reported or pursued for collection. Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies are legally required to delete unvalidated or inaccurate accounts from a consumers credit report. Reporting unvalidated information violates these federal laws and causes undue harm to my credit profile. 

Since XXXX XXXX XXXX has not validated this account, I am requesting its immediate deletion from my credit report in compliance with these laws. Failure to remove this unvalidated account constitutes a violation of the FDCPA and FCRA, which protect consumers from inaccurate reporting and unlawful collection practices.
Product: Debt collection

I had a loan with regional finance and I try to pay off the loan the loan never went down neither did the principal of the interest, they threatened to take me to court I did tell them that I would pay what was actually owed but seems like they did not want to work that out it has destroyed my credit
Product: Debt collection

DUVERA EASY PAY : No Finance Lenders License : charges 145 % Interest after the debt is paid off ; DUVERA EASY PAY LOCATED IN XXXX XXXX
Product: Mortgage

After paying mortgage insurance premiums for 6 months on my mortgage loan, I contacted United Wholesale Mortgage on XX/XX/21 and asked them to remove the mortgage insurance. The purchase price for my home was $ XXXX. The home, at the time, was worth $ XXXX $ XXXX. I provided my mortgage statement, an XXXX, and showed that I could make the payments for 6 months. UWM refused to remove the mortgage insurance on XX/XX/21. They said that I needed to prove that I had done enough work to the house to merit what was already plain as day : that the LTV  should not be based on the purchase price. I should mention that the XXXX that I provided was obtained directly from their website. OR that I needed to wait to " season '' my home 2 years before they would consider *charging me for an appraisal* in order to get my PMI removed OR I could pay {$36000.00} off on my loan to get the fraudulent LTV adjusted XXXX 
The point of mortgage insurance, I thought, was to protect the lender from losing money on the home if I failed to make payments. I proved beyond a shadow of a doubt that in the event that my mortgage foreclosed, UWM would *profit*. I wrote back to them on XX/XX/21 stating again that the equity in the home more than covered any risk involved. UWM wrote me back on XX/XX/21 stating that " We must adhere to investor guidelines as it relates to the removal of PMI. '' UWM also completely botched up my escrow account, first telling me I had an overage and sending me a check for the excess, then raising my mortgage by almost {$500.00} per month after they realized that they do not know how to do math or properly account for property taxes. California property taxes are always reassessed when a person purchases a home. The property tax rate is based on a percentage of the assessed value ( which, by the way, is assessed at over $ XXXX so, again, the PMI is unnecessary ). Yet UWM completely failed to account for this ( obvious ) fact and set up my escrow account with the previous owners ' property tax bill.
Product: Credit reporting or other personal consumer reports

I have had my student loans discharged and have been provided with a notification from the Department of Education validating that my student loans have been discharged. 

I have been advised by The Department of Education that all three major credit bureaus have been notified of the discharge and that my credit report would be updated showing that the student loan account have been deleted and removed.

I have attempted to have the student loan account removed directly via multiple disputes with the individual credit bureaus, however, the student loans remain listed on my personal credit report which is impacting my overall credit rating.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.