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

After reviewing my credit report I sent a letter requesting TransUnion to review my accounts and sent me a written description of results. TransUnion replied with accounts verified and or updated. I called TransUnion on the phone and discussed how nothing was resolved and they filed another dispute for me over the phone. The results were the same, verified or updated with nothing changed on my credit report and NO written description as requested on how the accounts were verified. According to 15 USC 1681i7 TransUnion has violated my rights on XXXX separate accusations now. I would like these accounts removed under the Fair Credit Protection Laws. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Please have these accounts removed off my credit report.
Product: Vehicle loan or lease

I been paying XXXX normal car payment and im still being charged late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I check my credit score with XXXX yesterday and it was XXXX. I checked it today and it is reading as XXXX, with as to why it went down 23 points in one day. 

Also their is a XXXX/XXXX  account that is showing up as a public record when it is not. It is a credit card debt that has been resolved. 

I suspect fraud on my account because my information was breached in XX/XX/XXXX while working at XXXX XXXX, GA. I feel that the person who was abusing me gathered my information and corrupted my report, by reaching out to my former tenants and asking them to report untrue information. This is to create a boundary for me to make it difficult for me to progress XXXX XXXX XXXX reported that I owed them money as well as XXXX housing authority. Now every time I apply for an apartment it comes from these other sources that I owe these leasing companies. 

I've never been evicted, but these companies are reporting that I have. Now I'm XXXX because of their recklessness. Please help me resolve these issues by reaching out to XX/XX/XXXX, XX/XX/XXXX, Transunion, XXXX Housing Authority, XXXX/XXXX, XXXX XXXX XXXX, and Virginia Treasury Department, Please reach out to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and other leasing reporting agencies to have these incorrect items removed? The information that they have about my rental and credit history is suspected fraud on there part for reporting incorrect information.
Product: Mortgage

the following has occurred : 1. the notice of payment arrived on XXXX XXXX XXXX that was due on XXXX XXXX, XXXX for payment increase effective XXXX XXXXXXXX.and interest rate increase arrived five weeks late. chase bank has not given me the required 60 day notice of change in mortgage payment amount as required by cfpb regulations and us federa respa law. 
2. chase has not provided at least XXXX and one half years of missing mortgage statements for my XXXX different mortgage account numbers mortgage and refusing my request that mortgage statements be mailed to me. 
3, chase refused to give me a detailed escrow accounting sta tement since XXXX showing all charges including XXXX unapproved or authorized by me property appraisals at {$250.00} each as well as property preservation charges while they maintain dual tracking and mortgage foreclosure files on me. their employees have sent me documents showing chase tried to get nationstar to foreclose on me despite never being behind. other docs from chase show over {$21000.00} of unapplied payments and {$46000.00} of reverals of applied payments and escrow funds while chase demanded I pay mortgage payments XXXX and three times for the same month and year. the docs may also indicate that chase manufactured defaults by not applying paymnts in order to file tax free mortgage default insurance claims with XXXX or other carriers for falsified by chase allegedly mortgage defauls three times for the face value of the mortgage instrument or over {$1.00} million. since XXXX and o ther taxpayer federal funds were used by chase to support these activies it appears that major violations of XXXX federal laws were broken filing these false claims for fraudulent mortgage defaults. chase is currently doing allegedly its best to cover up all these activities and is still running multiple sets of accounting records on computers to allegedly perpetrate this interstate mortgage servicing accounting fraud for which the Occ fined chaes over {$45.00} million dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to these banks to check to see if I wouldve been able to be approved for a vehicle and I told the lenders to not run my credit for these possible inquiries but they ran my credit without my knowledge or permission, violating my Fair Credit Reporting Act right to privacy.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding the information on my credit report. After reviewing my credit report, I noticed that there are late payments listed on my account, and I would like to request either their removal or correction. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of late payments on my credit report. I have attached supporting documentation, including bank statements and payment records, to illustrate that these late payments are not accurate. 

COMENITYCB/MYPLACERWDS XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITYCB/MYPLACERWDS customer service I kindly request that you investigate this matter and, if appropriate, remove or correct the late payments from my credit report. I am committed to maintaining a positive credit history, and the accurate representation of my financial status is crucial for my financial well-being. 

Thank you for your time and assistance in rectifying this matter. I am confident that we can work together to ensure the accuracy of my credit report.
Product: Vehicle loan or lease

More than XXXX months ago, I requested the adjustment to my debts that I have with 1st Bank, in Puerto Rico. They said that the documents that I sent, which was XXXX documents, were under a supervisor and after they check the documents, they will adjust the interest rate. The adjustment that I am talking about is the Service Member Civil Relief Act ( SMCRA ). Im still waiting for that adjustment, and I also have all the information of the people that Ive been talking to know if my accounts are adjusted. 
I have XXXX accounts with them.
Product: Debt collection

This information was shared illegally ( third party ) without my informed and expressed consent
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX Santander consumer USA XXXX XXXX 2024. XXXXXXXX XXXX XXXX XXXX XXXX2024
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX2024
XXXX XXXX XXXX XXXX2024
XXXX XXXX XXXX XXXX XXXX2024 XXXX  Santander consumer USA XXXX XXXX2024
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I clearly listed the disputed accounts and detailed the violations affecting my consumer report in each correspondence. 

It has been over 30 days since my initial dispute submissions, and I have yet to receive a response from any of the bureaus. 

Attached are copies of all the letters sent for your reference. 

Please address this matter promptly.
Product: Mortgage

I am doing the short sale and was on dispute value due to huge repair and damage per inspection. Lender had sent appraiser come out on XX/XX/2018 and appraisal report date XX/XX/2018 with value is {$510000.00} and current offer was {$510000.00}. They said offer is submitted for approval. Meanwhile, current buyer had backed out due to they cant move on with contract due to a lot of repair and they cant handle. We got another offer with same price to submitted to lender and the lender still come back asking {$650000.00} while dispute value based on inspection report include damage and come out last 30 days. I could not understand if the lender will help us out to avoid foreclosure or not. They dont practice in right place and take advantage of us and want to foreclose over helping us avoid it. I attached the appraisal report date on XX/XX/2018 for review. The value is true and cant change just for 30 days and market is so slow down and the lender is very ridiculous.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent {$50.00} to my mother through Paypal. I sent the payment to my mothers cellphone and put the details in Paypal so that they could send her the money to her cellphone. My mother never received a text or notice on her Paypal account that the money was received. When I checked my account Paypal had sent the money to another person with an email that I do not know. I have been appealing to Paypal to refund the money that they sent it error and they have denied my request repeatedly. I opened another request to have the money sent to my mother and Paypal not only denied my request, but also blocked me from gaining access to the account again. My payment is now due and I Paypal is saying that I must pay this amount that this was my error and I have lost the money. I sent an email to the person that received the money in error and that person is also refusing to refund my money that Paypal sent her in error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Capital One sent me checks to use, with all kinds of information saying that the money used would be at 0 % interest rate for 18 months. Now I have received my statement and there is a {$340.00} fee showing for using the 0 % check. It might have been somewhere in the XXXX pages of small print, but that 's fraud, or stealing my money. You ca n't advertise 0 % for the check, and then hide the fact that instead of interest you 're charging a " fee ''. I want my {$340.00} back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, 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 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 I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Debt collection

On XX/XX/2022 at around XXXX I got a call from from a lady at XXXX ( XXXX ) XXXX. She said I owed a debt and to call this number XXXX ( XXXX ) XXXX. The man that answered insisted I owe XXXX dollars to Citibank which I have no recollection of and is not on my XXXX XXXX. He was hostile and hung up on me twice when trying to ask questions. What Im most concerned about is he knew my whole social security and my address
Product: Credit card or prepaid card

On XX/XX/2021, I purchased a Round Trip ticket from XXXX XXXX with my Capital One Credit Card in the amount of {$170.00}. 

On XX/XX/2021, I arrived at the airport. After refusing additional sales, the rep checked me in at XXXX. With the help from the airport staff, I was able to make it to the gate a few mins earlier than the boarding time. But XXXX refused to let me board the plane. Therefore I had to purchase another ticket immediately with XXXX XXXX in the amount of {$150.00} to keep up with my trip schedule. 

On XX/XX/2021, I was returning from XXXX, the XXXX staff told me that I needed to purchase another ticket on my own device because I missed my initial flight. How absurd? Thus I spent another {$140.00} for a returning flight, paid via Capital One credit card. 

I called capital one to dispute the transaction in the total amount of {$300.00} ( {$150.00} + {$140.00} ), Capital One issued a temp credit. 

On XX/XX/2021, Capital One took away the credit because the merchant responded that I didn't cancel the ticket and no show therefore I am not eligible to receive a refund. This response is completely irrelevant to my dispute claim. 

On XX/XX/2021, my attorney submitted the rebuttal letter requested by Capital One along with the evidence of a check-in voucher to prove that I showed up but XXXX didn't let me board the plane. 

On XX/XX/2021, Capital One sent a letter that they can not assist further and the decision has been made in favor of the merchant, even though the merchant didn't even provide any valid response. 

In XXXX, I filed my initial complaint against Capital One through CFPB. One month later, Capital One responded with a request of Power of Attorney, and then CFPB closed the complaint. I have no clue what capital one and CFPB are doing. I'm happy to copy and paste everything I just wrote continually until we solve this matter.
Product: Credit card

Im reaching out due to issues Im having with my account ending in XXXX. In XXXX I was in the process of refinancing my home to consolidate all of my credit card balances that accrued due to unforeseen health issues. During this process I suffered XXXX XXXXXXXX on XX/XX/XXXX at XXXX XXXX XXXX. Once I had my ability of speech, and limited mobility back I tried to take back over my bills my sister and mother were handling for me with limited access to my accounts. I called AMEX to enroll in their financial relief program until I was out of the hospital and done with XXXXXXXX XXXX. During my enrollment in the program the representative did not disclose if I paid my bill ahead of the autopay date that AMEX will still take a second payment out. I pay all my bills once the statement comes out with my first check. I did this the entire time enrolled in the program and never before did AMEX still go in to take another payment until last month. I called in immediately and requested the enrollment call to be pulled. I was told AMEX would investigate the matter and give me a call back. As usual I tried to make my payments for this month and noticed this account was not rectified. I called in numerous times the past few weeks. I spoke with a representative who gave me the reference number of XXXX. She admitted that in their investigation they were able to verify the enrollment rep never disclosed that to me and she tried to cover it up by saying we sent you a letter with all of the terms. This is absolutely disgusting by American Express because all parties including the enrollment representative was informed I was not at my physical residence to receive any mail as I was in the hospital during enrollment followed by XXXX XXXX away from my residence. I even offered supporting medical documentation which they all refused to justify their disgusting act. Im beyond appalled and disgusted by a company that even through the most difficult time in my life I still make sure my minimum payments are made. This is the first time in the XXXX years of being with American Express that my accounts werent paid in full as usual due to health issues and this is how Im treated. I know what to do now once my health is recovered seeing this is how you treat loyal customers. I keep calling in being transferred around to no end, with false promises that the unauthorized second payment for that statement period would be credit back to my card since this was an error on AMEXs end. Not a single representative follow through. Dealing with this company over such a trivial mistake they made, not even me has done nothing but raise my XXXX XXXX. If XXXXXXXX XXXX XXXX happens its due solely to this ongoing battle with Amex over this issue. Ive consulted my attorney after my last dealing with them today where I wasted over 2 hours of my life and only ended with my XXXX XXXX high and being transferred blindly for the millionth time!
Product: Mortgage

On XX/XX/2020 I suffered a water damage loss which was paid out by my insurance company for approx XXXX. The check was made out to both myself and Carrington Mortgage Services who recently purchased my mortgage from XXXX. Carrington deposited the check instead of returning it to me so I can cash it and pay out the Construction companies that are working. Instead they have made me acquire W9 's lien waivers, licenses etc from my contractors. 2 contractors did not think it was worth the hassle and walked away withdrawing their bids. It is now XX/XX/XXXX and my GC contractor have been waiting for additional funds for weeks and wants to stop working. I have 1 toilet and a shower with a slop sink in my kitchen. No usable kitchen for weeks!!! 

I have submitted inspections, asked for monies, some of which were denied causing me to lay out cash that I now need to live. My account owners voicemail does not work. the Supervisor I have been dealing with is on vacation. I have even spent money to send the a prepaid XXXX XXXX label to mail a check because they want to use the USPS 1st class mail form California. I have done everything I can to work with Carrington. I am now considering refinancing to get away from them. 

My Account Owners voicemail is not working, the supervisor is on vacation and I have spent over an hour so far today with 4 calls that have been incorrectly transferred and being disconnected waiting for another supervisor after 43 minutes. I am again on hold as I type this message. 

My family just wants our house back together from our loss " 3 MONTHS AGO '' PLEASE HELP US!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS XXXX XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX ___________________
Product: Credit reporting or other personal consumer reports

What happened : Unauthorized hard inquiries are appearing on my credit report, violating several provisions of the Fair Credit Reporting Act ( FCRA ).

Actions Taken : - Reviewed credit reports from all major bureaus.

- Identified unauthorized hard inquiries listed, a violation of 15 USC 1681b.

- Disputed inquiries with credit bureaus, as per 15 USC 1681i.

- Filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized inquiries.

Unauthorized Hard Inquiries : XXXX. XXXX  - Date : XXXX XXXX. XXXX XXXX - Date : XXXX XXXX. XXXX XXXX  - Date : XXXX Relevant USC Codes : - 15 USC 1681b : Permissible purposes of consumer reports.

- 15 USC 1681i : Procedures for handling disputed information.

- 15 USC 1681n : Civil liability for willful noncompliance.
Product: Checking or savings account

I received a call back from a lady that did not give me her name. She was very rude and refuse to look at my account even after I verified my account. She also refused to answer my questions that I had saying that the email she was sending to me would answer all my questions. The email I received did not answer any of my questions that I have. I'm at a lose as to why bank of America is refusing to discuss my account with me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XXXX