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

The child support payments that I receive are deposited on to a Eppicard debit card by the state of Wisconsin. On XX/XX/XXXX I checked the balance on my card and discovered that there were 42 fraudulent charges to XXXX XXXX totaling {$330.00} between XXXX and XX/XX/XXXX and that the card now had a negative balance. It was clear that the transactions were fraudulent because I don't have a XXXX XXXX  account and I normally don't use the debit card for any online purchases aside from one or two specific places that I trust. I immediately called the customer service number listed on the card website. After waiting on hold for 62 minutes my call was finally answered by a woman with Eppicard. I explained the issue with the fraudulent transactions and I was stunned when she responded by being rude and accusatory, basically telling me that these charges had to have come from me or someone else I know. After answering all her questions she said they would have to close the account and issue a new card but it would be a {$15.00} fee to expedite the card to me. She then told me she would mail out a " fraud questionnaire '' to me which I'd get in 3-4 days and have to mail back. It would then take them 45+ days to conclude an investigation into whether it was or was not fraud!?! In the mean time, I am out XXXX XXXX because of the fraudulent transactions and the NSF fees that EPPIcard tacked on to the account! I have never heard of a legitimate bank or credit card company that operates this way! You would think that a legitimate card company would have a more expedited way to investigate and identify fraudulent charges! Most legitimate companies would have flagged these transactions as fraud to begin with! I logged on to my account today and see that the new card number is listed, but the XXXX charges, and the NSF fees are still on there. They even processed the XXXX transactions that were listed as pending yesterday! I don't feel that this has been handled adequately at all and I don't have faith that EPPIcard will do a thorough fraud investigation.
Product: Checking or savings account

I had multiple fraud transactions on my account from companies that are not authorized too debit bofa closed my account after they issued me temp credit i went ahead and submitted police report too bofa too no avail they have not helped me or refuse too help its been over 7 months now when i call claims department they say the same thing still waiting for someone too look at claim very unacceptable this is my money thats been debited without authorization.
Product: Mortgage

Cardinal mortgage established a fully funded escrow account at the time the loan was conceived ( around XX/XX/2021 ) and subsequently neglected to pay the homeowners insurance. The lapse was noticed 2 - 3 months later and resulted in the cancellation of my homeowners policy. Hence, a new homeowners policy was created. This came at a higher premium for the exact coverage. Cardinal didnt assume any financial responsibility for their mistake. In addition, because of the lapse in coverage between XX/XX/2021 to XX/XX/2021, I had to buy insurance to cover those dates along with the normal annual premium. After paying for the coverage, my insurance agent and I called on three occasions to provide proof of insurance ( email/fax ) because Cardinal hadnt entered the 2 policies into their systems as stated by the previous representative ( the new annual policy and the policy that covered the lapse ). On XX/XX/2021, I received a letter stating that Cardinal had purchased insurance to protect their interests in the property. As a result of debiting my mortgage to pay for insurance that I did not need and shown that I already had ( three time prior ), Im concerned that Cardinal will withdraw this amount from my mortgage payment thereby creating an ongoing mortgage deficit to generate late payments + fees, as well as hurt my credit by misreporting on my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them DELETED. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code , imprisoned for not more than 2 years, or both. This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties. Sincerely, XXXX XXXX
Product: Mortgage

In    XXXX   XXXX     , my home experienced a   XXXX    due to a   XXXX   XXXX   XXXX   in the second story which destroyed my home. After much heartbreak and emotional distraught, we dealt with the  XXXX   XXXX  trying to underpay the minimum replaceable cost to restore the house. Finally, we settled on an amount and a check was paid out on   XXXX   XXXX   XXXX     for the approximate amount of {$78000.00} to me and my loan servicer,  Ocwen Financial Corp. I sent the check to Ocwen immediately to sign over the funds to me.      Ocwen has held my  XXXX  payout to restore my home since that date. We have an agreement that I will act as the  XXXX  to restore my house, so  Ocwen  is not needed as an intermediary point of contact.      Ocwen has released partial funding but is withholding the remainder of my funds of {$40000.00 } and another check for {$15000.00}. Because of this, I was forced to tap into my Home Equity Line of Credit to restore my home. I 'm now incurring interest fees and it 's extremely stressful and daunting.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

Open XX/XX/XXXX I had a installment loan that I couldnt afford anymore because my personal debt of income ratio started to get high and l was out of work for a while so the loan was default on and car repossessed XX/XX/XXXX with a balance of {$0.00} because the account was sold to another company.and it is still being reported on all 3 credit bureaus as negative. action taken I sent out letters through 3rd parties but nothing has not been resolved.
Product: Credit card

I presently have a credit card from Barclaycard and was originally promised if I transfer credit from another card to this one, it would be paid off in a timely manner but they keep raising the interest rate on me. They are charging me an interest rate of XXXX percent. Is this an unfair amount?
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX, I hope this message finds you well. I am reaching out to request specific information regarding one of the accounts listed on my credit report. At this time, I am not disputing the account but would like clarification on certain details to ensure the information is fully accurate. 

Account Information : Creditor Name / Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that you provide the following details for this account : 1. The Date of First Delinquency 2. The Date of Last Payment 3. The Date of Charge-Off Having access to this information is essential for my personal record-keeping and financial planning. I appreciate your help in providing these details as soon as possible. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit card

I have had a Chase Freedom card since 2007. My interest rate at the start was XXXX My credit was bad, I was lucky to get a card at all. Since them they have raised my credit limit three times, from {$4000.00} to {$13000.00}. I have made every payment on time as proved by my credit reports from all the reporting agencies. My last payment to them was {$9000.00} which left me a balance of {$760.00}. My credit score is XXXX. When I asked them to lower my rate. They said no. I pointed out my payment history, they said I had the lowest rate available at that time. On credit card sites, the highest rate listed for this card is 23.27 % I and paying XXXX points ABOVE that. Usury springs to mind.
Product: Credit reporting or other personal consumer reports

Credit Acceptance has reported my account late in XX/XX/2024. This information is inaccurate and should not be reporting late at all.
Product: Credit card or prepaid card

To whom it may concern, on XX/XX/2023, i made a XXXX payment to city bank on my city simplicity card XXXX. 
the transaction was supposed to cover XX/XX/2023 payment. Then on XX/XX/XXXX th I called to make my payment for XXXX and was told by the computer i was past due. Then i called back to speak to the customer service. Agent. who told me my bill wasn't generated. i asked to speak to a supervisor and got a lot of double talk which made me very upset. 
Then today XX/XX/XXXX i called back and requested to talk to someone and got more. she told me i was behind and didn't make my XXXX over XXXX dollars plus XXXX past due. 
I feel City bank made a mistake with my account. I have a stellar payment history. but they are unwilling to admit to it. not to mention giving me a bad report on my credit. 
please help me with my account XXXX XXXX
Product: Debt collection

I found out around XXXX time that strangers were ringing my doorbell asking for me. One appeared at my garage while I was inside and wanted to see my identification. I did not show it to them. My husband  asked who they were and they did not reveal any information. We received knocks on our front door late evenings and early mornings on Sunday and XXXX XXXX. They would ring the doorbell and knock and ring the door bell. They would wait outside of our house in their car. I was afraid to leave the house and my kids felt disturbed about all of the times they attempted to knock and ring the doorbell over and over. They were different people over multiple times of day. Recently, I was sent a solicitation in XXXX by a debt lawyer to help resolve a collection case that Velocity LLC has against me that I was unaware. The lawyer even provided the case number from XXXX XXXX XXXX Superior Court against me which I verified. I never received any type of court paperwork notifying me of this legal action from anyone. I believe what Velocity is doing is unlawful. I need some help in determining what they have done was illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX account that was opened XX/XX/XXXX. The account was closed XX/XX/XXXX. Because I never made payments on the account, I had a judgement against me. The judgement was satisfied after I made my final payment. XXXX XXXX, a representative from XXXX XXXX was over-seeing the account. After making my final payment in XX/XX/XXXX, he said that the information would be sent in the credit bureaus to update my report. I've been contacting Mr. XXXX since early this year ( XXXX ) to help with the corrections. Mr. XXXX then told me he didn't have any control of what would be updated with the bureaus. I contacted the 3 bureaus and they told me to contact XXXX XXXX. I contacted XXXX XXXX and they told me that they couldn't do anything about it. I've been experiencing the run arounds since XXXX of this year. I've contacted the Minnesota Attorney general 's office as well. I have yet to find help with this issue. The status on my credit report is not showing paid as it should be. It also shows that I still have a balance. I've written multiple letters to all 3 bureaus and nothing ever happened ( No response ). I've had the status to change on other items on my credit report accurately this year, but nothing has been done with the XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried fixing this issue with all three bureaus on this account because Account status reports as closed with a balance of {$2.00}, XXXX. Date last reported along with date last active has been re-aged. Payment history is reporting data by experian and XXXX yet missing data on date of last payment. I have not received any document stating that account has started its investigation yet account has been updated pushing back the date it should fall off this is not acceptable. This account is reported as close with a balance yet account is still reporting payments on payment history after account is closed this is not possible I previously wrote to bureaus asking to verify or delete immediately because account is reporting incorrectly. There is no way that account can be closed and yet reporting payments on a dead account.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account is involved in a litigation.

15 U.S. Code 1681B - Inquiries
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 {$1000.00}, {$5900.00}, {$8400.00}, {$720.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$720.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The items are listed below : 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My son was admitted into the XXXX twice this year back in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX which caused me to miss work and fall behind on my credit card. I have called XXXX XXXX in regards to my XXXX XXXX credit and asked for a goodwill adjustment and I have sent in goodwill letters. They have declined all request. I was effected by hurricane Irma and in need of a home. I am unable to be approved for a mortgage because of the late payments.
Product: Credit card

I had an unauthorized charge of {$1.00} appear on my dormant credit card on XXXX/XXXX/16. I contacted CITI and they removed the charge and cancelled the credit card. When they issued the new card the transaction was re-posted on XXXX to the new card. I have attempted to contact CITI on XXXX occasions and still have not been able to get the charge removed. 
This has been the most frustrating experience. I feel that CITI 's actions range from either utter incompetence to criminal theft. I believe that these actions are systemically imposed to frustrate consumers to the point that they give up on attempting to collect the money owed. 
Contacts : Called on XXXX at XXXX XXXX for XXXX minutes. Disputed re-posted charge at time when I noticed the {$1.00} charge had been re-posted to account. 
Called on XXXX at XXXX XXXX for XXXX minutes. Follow up call where I was informed that dispute was still in process and must have been written on paper on XXXX and was n't entered into system until XXXX. 
Called on XXXX at XXXX XXXX for XXXX minutes. I was advised to call internet security because the charges were showing as removed in the customer service system. 
Called internet security on XXXX at XXXX XXXX for XXXX minutes. I was advised that the removal of the fraudulent charge had been reversed with no reason. 
Called customer service on XXXX at XXXX XXXX for XXXX minutes. I cancelled account and was again promised for the 4th time that the charge would be removed. The customer service representative stated that the case had been sent over to internet security.
Product: Credit card or prepaid card

I had ordered a product for my XXXX seller store XXXX XXXX ... the company never got back to me about my order. I called several times. I called XXXX on XX/XX/XXXX to dispute and was told they would contact the company. As of today when I called XXXX nothing has been resolved.They could not get in contact with the vendor either she said. I asked the lady to remove the charge she refused.
Product: Vehicle loan or lease

I co-signed a loan with Harley Davidson for a used bike. Harley dealer did not honor factory warranty or the add'l warranty which was purchased. ( 2 statements refusing to do repairs ). Contract was agreed to be cancelled with voluntary surrender of bike. Requests for pick-up of bike took several months for Harley dealer to respond. During this period, collections began thru Harley Loan Servicing. When bike was finally retrieved, Harley 's contractor dropped bike and damaged it severely. WE have a tape of this happening. Harley then tried to hold us responsible for damages. All documentation has been presented to Harley Corporate representative, XXXX XXXX. I filed a dispute with credit reporting last year. I never received any info on results or investigation, or request for documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 45 days later, I have not received a accurate response. I have requested supporting documentation to support their reason to keep fraudulent information on my credit report and they have not sent me any investigation results supporting why these accounts are on my credit report. I am being taken advantage of by the credit bureaus and this information is being ignored.this is now my second complaint to try and resolve this matter. Section 611 ( a ) states that failure to investigate items within 30 days gives reason to immediately remove from my credit report. I demand these fraudulent accounts be deleted. My information was also impacted by the XXXX  and XXXX  breach as well. There are even creditors who are investigating and admitting the account is not mine. Which i have attached as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off and told the credit bureaus to investigate every piece of information on the account foXXXX XXXX XXXX XXXX account # XXXXThey stated my account were verified but how is that possible if they did not do the proper investigation according to the law. Also every piece of information on this account are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have credit report showing the inaccuracies.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/XXXX