23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have sent in Identity theft blocking packet including police report to all credit bureaus to remove the items that are n't mine. Now they have blocked my credit report and I ca n't pull it. I submitted the information via certified mail and all packets have been delivered and no response for equifax, XXXX.
Product: Credit card

Opened a dispute with Wells Fargo issued Visa credit card as below : Dispute Number : XXXX Date Posted : XX/XX/2024 Merchant Name : XXXX # XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated WF closed this dispute without due diligence of following up with the merchant ( XXXX ). 
WF did not look at the dispute until I contacted customer service.

They did not provide a temporary credit at any point of time.

In the conversation with the customer rep, they told me that I do not have any proof, inspite of sending them all the receipts.

They closed my dispute overnight without any follow up with the merchant about the overcharged amount.I extended the rental online and did not get a receipt for the amount which is different from the final amount that I was charged.I am not disputing the whole amount of XXXX was overcharged by {$82.00}. 

Customer rep insisted that they can not do anything and closed without doing their due diligence.
Product: Prepaid card

I have been trying to use the Amex gift cards for purchases online with different retailers that accept Amex. I was only able to use one lower value card, the rest keep getting declined ( they are higher value ). Amex has stated that their gift cards should be accepted everywhere where Amex cards are accepted - but that is a blatant lie and scam.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Bankruptcy Account Number : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One N.A. failure to deposit my direct deposit from my employer on XX/XX/year> at XXXX ct in the amount of {$2500.00} and any other incoming deposits. Capital One has cited technical issues, and my attempts to speak with a Capital One representative on the matter have been met with silence, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.

Thank you
Product: Credit card or prepaid card

Since XX/XX/2018, XXXX XXXX has been charging both our credit cards from Barclays and XXXX XXXX. However, we never used our credit cards at our local XXXX store but if any, we used cash or our XXXX debit card. There have been unauthorized charges going on for over a year which we only caught recently as they were small purchase amounts. However, this kept occurring even with cards reported as lost. Even with the new numbers XXXX was able to charge us. One charge occurred miles away from where I was sitting at dinner with friends and in possession of the card. At first, Barclays and XXXX XXXX did investigate and determine that those were fraudulent charges but since then they claim since it was used with chip cards, those charges must have been legitimate and basically tell us, the customer, that we are lying. 
We are outraged since theres no protection against the fraud and wrongful accusations.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute the inaccurate reporting of my payment status by XXXX XXXX XXXX, which has adversely affected my credit. Despite making my payments on time, XXXX XXXX XXXX has incorrectly reported that I was late. This reporting error has negatively impacted my ability to secure loans and other financial services. While I am aware of at least one instance where XXXX XXXX XXXX reported my payment inaccurately, I am uncertain if this has occurred on other occasions. I am requesting a thorough investigation into my account to identify any other potential inaccuracies
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I mailed XXXX, XXXX and Transunion my FTC Report. Also my License. I am a victim of identity theft. I have fraudulent accounts reporting on my consumer reports. I will be filing a civil suit to address the illegal activity from these credit agencies.
Product: Mortgage

1 ) I believe that my mortgage account with SLS is being mishandled and miscalculated. 
a XXXX My mortgage was with XXXX XXXX and my payments were {$490.00}. XXXX XXXX assigned my mortgage to SLS a few years ago ( maybe XXXX ago ). On the second year they raised the amount {$160.00}. They claim they miscalculated my property taxes. I understand that this could happen, but I believe their amounts are incorrect. 

b XXXX XXXX weeks ago I called them to let them know that I purchased cheaper home- owners insurance ( as a heads up ). And, two payments later my payment amount has NOT changed. 

c ) I have a XXXX {$30000.00} balloon. XXXX XXXX explained that the amount will not change or collect interest. But, after speaking to SLS rep that amount has changed. 
2 ) I am exhausted and unsatisfied with the whole process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is the subject of this complaint : 1. Trans Union was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however Trans Union icontinues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my two middle names. 4. There is an upper tier underscored XXXX followed by a capital XXXX in XXXX. 5. Trans Union i is erroneously reporting XXXX XXXX as late. This car payment has never been late. 6. Trans Union is reporting an XXXX XXXX past due balance of {$20000.00}, when the payment is not past due. 7.  Trans Union and XXXX XXXX are over reporting the current loan balance of {$17000.00}. 8. Trans Union i is reporting unauthorized hard credit inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. Trans Union is improperly reporting the XXXX  of Atlanta, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer. 10. Trans Union ioriginally removed negative reporting from XXXX XXXX XXXX XXXX and [ XXXX ] XXXX Account with respective balances of {$22.00}, XXXX ; {$5100.00} ; {$4200.00} ; {$3400.00} ; and {$2700.00} but have since replaced these negative accounts on my credit report.
Product: Credit card

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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I hired an attorney and paid a retainer of {$3700.00}. She sent me an authorization from on XX/XX/XXXX I gave authorization for XXXX which was charged. She did not do what I hired her for so we where having a correspondence about that and during that correspondence she then requested another XXXX ( which is the amount on the AMEX ). I told her to send the authorization form and once she completed the tasks I would sign and authorize the charge. She charged my card after we got off the phone and then sent me authorization. I did not know at the time she charged my card she still had not done what she was supposed to do. 


On XX/XX/XXXX I reached out to her about the issue and I find out she has charged my card without me authorizing or sending a authorization form -- sent her an email and specifically stated ( as reflected in the retainer agreement ) not to charge my card without written authorization. 

She had charged my card XXXX between XX/XX/XXXX and XX/XX/XXXX without a written authorization form. The previous charges that I did not dispute and paid off BOTH have written authorization ( see attached ). 

I contacted AmEx first in XXXX and then the claim was renewed several times over the next 2 years. I had another card a business card that was being paid on time with no issues the account was closed in XXXX because this XXXX on the green personal AmEx was not paid. When I explained to customer service they told me it was a mistake and I had to reapply for my platinum business AmEx card, they then had me reapply for a card I already had and declines my application and kept my account closed. 

Meanwhile they AmEx was reporting me late payments on the AmEx that had XXXX disputed outstanding payment. This dispute was never resolved despite me being advised multiple times over the three years that it would be resolved and having it removed from my statement from the time the unauthorized charge was made on the green AmEx for XXXX it was a personal AmEx I never used it again. That was the sole charge on it until the account was closed. 

Initially when I disputed this charge I told AMEX that the case was super easy because I did not authorize the XXXX and that the lawyer if she claims I did she should have an authorization form. Which she did not provide and could not provide because the charge was not authorized. Over the next two /three years they explained to different customer service people the same story and they would reverse the charge temporarily and then after about six months it would reappear. She never produced an authorization form for the charge. 

I have attached the two forms showing two charges authorized that were paid off the retainer agreement with attorney where I specifically crossed out auto credit card payments and signed and dated : 1. Email when the cc authorization was sent to me asking for XXXX showing that an authorization form was necessary to charge my card. 
2. Email also stating do not charge my card without written authorization.
Product: Debt collection

Merchants & Medical Credit Corporation at XXXX XXXX XXXX XXXX XXXX mi,48507 has been sending me collection notices in the amount of {$220.00} the collection has been reported as a pastdue balance.i do not know this company, i have never done any bussiness with this company, this company does not have a contract with my signature on it ... ....
Product: Prepaid card

US Bank will not allow me to close the account. They told me that if I close the account the funds would stay on the card and that I can not get a check or have the balance of the card transferred by ACH to my checking.
Product: Student loan

After being told I could not put my loan in forbearance or deferment and I was not able to have the student loan discharged in my bankruptcy, I have told them I can not make a payment. However, they are multiple times a day multiple days a week. If I answer, sometimes no one is there other times it takes forever for them to respond when I say hello. Even after that phone call the continue to call!!! The XXXX images uploaded are just my missed calls from this week!!! Monday being XX/XX/2022. This does not show all the times I answered! Its harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax for more than 90 days filing an inquiry ( s ) dispute clearly stating that the inquiries are " unathorized. '' not mine. The inquiry ( s ) by these creditors are inviolation of Permisdible Purpose vs ... a Hard Inquiry review of my credit report. I did not authorize any of these creditors to review my credit reports for credit Approval. Equifax has intentionally ignored my repeated dispute requestes by mail, and online. Equifax is simply mailing a standard form stating Eqyifax had received my dispute and has been reviewed- a review is not a dispute veriying the accuravcy of a disputed item reported on my credit report. Equifax simply sends a letter out stating contact the creditor. I have done so three times, and called and have been told by the creditor that they can not locate my information. Equifax has a duty to inveztigate any disputed item. Failure to remove the disputed items Equifax file file number XXXX dated XX/XX/XXXX constitutes vilations of FCRA Section 604 permissible Purpose reviews when checking credit history without consumer consent, but rather the pull being a Hard Inquiry, when it should have been a Permusdible Inquiry not seen by creditors. A 42 USC 1983 Civil Action will be filed for Non-Compliance for failing to remove the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late sending my payemnts to ..I wonder why Experian report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix 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

Payment is due theXXXX of each month payment was made theXXXX. Infiniti reported to credit reporting bureaus that account was 30 days late. It was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from XXXX XXXX which was totaled in XX/XX/2020 due to hurricane. The Insurance Company ( XXXX XXXX ) paid off the the pay-off amount that was requested by XXXX XXXX. XXXX kept falsely reporting that my account was still open and that I had a balance of more than XXXX , but it showed no late payments. When I asked Experian and XXXX to correct the information so my report would show that account as closed and as paid off as agreed, things took a disastrous turn and they changed to amount to XXXX $ but it also shows that I have been in late payment since XX/XX/2020. My score went down 96 points in one day because of the WRONG and FALSE adjustment. 

My account should show XXXX balance and should show Paid as agreed, and should NOT show any late payments. And should show that account as closed as well. 

I need this to be corrected so my score bounce back as it should be.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. I have been trying to obtain information of my credit file and I keep getting that it is suppress. My lenders can not see any type of file or report nor myself.This is starting to affect my livelihood. I have been dealing with this before my XXXX and it is still going on as I write this.I am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been trying to get a new car. I have all the documentations all my records. Everything has been processed and agreed-upon but my lender can not see my report therefore stopping me from being able to obtain a loan to get a new car for me and my unborn child before winter hits, I no longer can keep taking this anymore. Every time I call I keep getting the same answers or keep getting redirected to different departments. According to the FCRA The Fair Credit Reporting Act ( FCRA ) protects consumers ' personal information and governs how credit reporting agencies ( CRAs ) access and use consumer credit reports. The FCRA requires CRAs to : Provide consumers with their credit reports upon request Limit access to consumers ' credit information Investigate and correct disputed information Delete outdated information after a certain amount of time Remove consumers ' names from marketing lists upon request Add fraud and XXXX XXXX military alerts to consumers ' files upon request Provide consumers with their credit scores upon request Inform consumers of the information used to deny them credit and where it came from I will be filing a complaint to the consumer federal protection bureau. I will sue and take this to the media if I dont figure out a solution for myself XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$290.00} Balance updated XX/XX/2023 Original balance {$290.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX These hard inquiries are fraudulent and doesn't belong to me and need to be removed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my home in XXXX with Carrington mortgage. At the time of the refinance I didn't have an escrow with my mortgage. I was lead to believe after closing I could remove the escrow account. In XX/XX/XXXX I sent written request and evidence of prepaid home owners insurance. The request was denied. I was told the mortgage had to be 6 months old. I wouldn't be eligible until XX/XX/XXXX. On or about XX/XX/XXXX I called customer service and they told me I was eligible as of XX/XX/XXXX to close the escrow account. I faxed over the request and it was denied. Carrington said I was more than 30 days late and the account had to be bought current. I researched and found contrary information. I've called and spoken to customer service, the escalation team and the corporate office. No one has been able to provide the statues or regulation that support their decision. According to what I can find my escrow should have been closed back in XXXX. I am exempt from personal property tax because I am aXXXX XXXX XXXX XXXX veteran. My homeowner 's insurance was paid in full in XXXX of XXXX and will be paid again in full in XXXX of XXXX. I have no need for an escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$510.00} XXXX {$2500.00} XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX   XXXX $ XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$150.00} XXXX  XXXX  XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}
Product: Mortgage

This is hands down the worst mortgage company I have ever dealt with. I had not heard of them when they purchased my loan. They never contacted me, nor did my previous loan company. I continued to pay the original company for several months and then got collection notices from Flagstar for a loan I wasn't even aware of. In the transfer process, my homeowner 's insurance lapsed for non payment and Flagstar was a nightmare to deal with on that matter. I went without coverage for several months while they refused to apply my insurance payment from escrow.

They then claimed that they underestimated my escrow and my payment went up by 23 % month. I was never notified of this and was again turned over to collections. I called immediately and found that since my payment had changed, the former amount was considered a partial payment and that it had been applied to principle. I asked that they reapply that payment and I made up the difference immediately. They took my additional payment, applied it to principle and are now charging fees and attempting to collect a full month 's additional payment again.

Customer Service is incredibly poor trained and are rude and inexperienced.

I WILL ADVISE ANYONE NOT TO CHOOSE TO DO BUSINESS WITH THIS COMPANY!
Product: Student loan

I have two loans with Navient. My student loans have always been handled as two separate loans by every previous loan servicer. Navient claims that if I send a written letter with my payment they will credit the loans according to my instructions. I have done that each month since Navient took over my loan, and Navient refuses to follow my instructions and always credits the payments incorrectly. The problem is they are slowing down the repayment of my loans by doing this, and ultimately causing me to pay more interest because they do not want me to be able to accelerate the payments on one particular loan in order to pay it off earlier. They are liars. They promise me each month they will follow my written instructions which I send by Certified Mail, but they never do that. I even send two separate checks, but they ignore the checks and credit the payments as they please. This process takes me hours on the phone each month to get it corrected, and each month they try to cheat me again. They are in violation of the terms set forth in my promissory notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.