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

I live in XXXX. I am unable to enter my address or phone number ( international ) via website or app. I marked my preference to contact me via Email. I was unable to login to my account when I changed my password in XX/XX/XXXX and needed to contact Wells Fargo. I finally paid to get an international phone card to call in and get access to my account today. Got logged in and found out my credit card was closed due to a XXXX balance. They sent mail to my old address even though I clicked email for account related information. I called to get more information and they marked my complaint but was unable to reopen my card. This will now effect my credit score due  to their services on not being able to inform me prior to closing the account.
Product: Debt collection

I closed this account in XX/XX/XXXX after multiple calls about billing issues that happened the previous couple of months. On XX/XX/XXXX I spent over an hour and a half on the phone with them disputing a XXXX install fee for an installation that didnt happen and they just kept telling me I had to pay it. Then preceded to tell me that if I had telephone service I didnt need the internet but if I had internet I had to have telephone service and when I questioned that the agent said I supposedly called in on XX/XX/XXXX at XXXX and canceled my phone and when I asked what time did I call in and cancel my internet service he said there system didnt have a time stamp and when I repeated what he previously told me he said there system didnt have a date stamp. I asked to speak to his supervisor and when he got on the line I asked about the calls being recorded and told him if he went back to an hour and fifteen minutes he would hear the two conflicting stories the agent told me. He said ok then hung up on me. I called back and I let the first agent I spoke to know what happened and how upset I was about she transferred me to a agent named XXXX I explained all the issues I had with them and she said went ahead and closed the account and put credit on there to cover the install fee and the penalty fees for early termination so I didnt owe them anything. I received the final bills showing the credits and a XXXX balance. I thought it was all taken care of continued to receive junk mail from them saying they wanted me to come back. Then I received a collection letter from the first company in XX/XX/XXXX saying I owed XXXX  {$750.00} I called them and they said XXXX  closed my account in XX/XX/XXXX due to non payment I disputed it with them and called XXXX  directly and disputed it they couldnt tell me where the charges came from but I had to pay it. Then I received another collection letter from a different company in XX/XX/XXXX this time saying I owed XXXX  {$520.00} and they closed the account in XX/XX/XXXX I disputed it again. Then in XX/XX/XXXX I received another letter from a third collection company saying I owed XXXX  {$350.00} I called them and they said XXXX  close sed my account in XX/XX/XXXXand I told them this is the third company and I have disputed it each time and they keep changing the amount owed and now when they closed the account I paid the final bill minus the XXXX install fee and the agent put enough credit on my account to cover that and the early termination fees so I didnt owe them anything
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading.

This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.
Product: Mortgage

I have already submitted a complaint with the CFPB regarding a matter with Loan Depot and received an e mail stating the that company responded but I am not able to see their response when I sign onto CFPB. I DO NOT want this complaint closed until there is a resolution. 

Rather than repeat the entire story please retrieve my complaint against them and re-activate it or I will proceed to file new complaints until the matter is resolved. They " Pre Qualified '' me for a loan and then denied it after I spent over {$1100.00} to purchase my first home. They denied me for something that I was not even financially responsible for and I am livid, not only because they denied me the purchase of a home as a first time home buyer which they " Pre Qualified " me for and the {$1100.00} that I am out but the fact that they should have asked me about the concern/issue during the " pre qualification '' process. 

I will not leave this alone until there is an acceptable resolution.
Product: Checking or savings account

I was charged {$110.00} by XXXX on 3 separate occasions by XXXX and XXXX is still trying to charge me after I requested to cancel services and get a refund. I was trying to reactivate an old XXXX XXXX  that i had in the past and I was never able to get access back to my old store even though I had been charged {$110.00} on 3 different occasions from XXXX, so services were never rendered. 

I had to get my debit card replaced in order for XXXX to stop charging me. XXXX did not render services and I was unable to use their platform to sell merchandise as there were a lot of technical issues going on and ultimately I asked to cancel and get a refund which XXXX has refused. After disputing the charge with capital one, I was issued a temporary credit for all 3 charges of {$110.00}, but now the credit has been reversed for 1 of the charges of {$110.00} and has caused me to overdraft on my account. I fear that the other 2 charges will also be reversed and cause my account to go into an even deeper negative state. 

I asked XXXX to cancel and they refuse to cancel my account and keep trying to charge me. Capital One should be responsible and support their members when merchants are acting irresponsibly like this and trying to continuously charge them without account holders authorization or permission. 

I Wish To Be Contacted By Phone From Capital One, The Best Phone XXXX To Reach Me On Is XXXX.
Product: Debt collection

I have tried on several occasions to dispute a debt with XXXX XXXX XXXX that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware. I disputed the account with all 3 credit bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018. 

I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me. 

Lastly, this creditor has never made any contact with me via mail, phone or email until after the debt was disputed in XXXX. At that time I was asked about an alternate account with XXXX XXXX XXXX XXXX and XXXX XXXX. The bank advised they were already aware of Fraud activity but never closed the accounts and advised they had mailed communication I never received. Even after communication back in XXXX, I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.
Product: Credit card or prepaid card

The credit card XXXX XXXX financed by comenity bank I purchased a piece of Jewelry from XXXX XXXX, they advertised a 12 month interest promotional financing. The purchase amount was {$3700.00}, my first payment was due on XX/XX/XXXX. I signed for paperless statements, I made all payments before the due date each months, my payments ranged between {$250.00} and {$350.00}. The last payment I made was on XX/XX/XXXX of {$250.00} the balance after this payment is {$160.00}, which I scheduled on line. I was thinking my promotional interest free account ends XXXX XXXX On XX/XX/XXXX they charged me {$600.00}. They said the last statement reflected that the promotion is over early XXXX. THE LAST STATEMENT AVILABLE ONLINE WAS ON XX/XX/XXXX. They did not provide a statement for XXXX or XXXX. I tried to talk to them they said it's my fault I did not call to get the XXXX or XXXX statement and they will not wave the interest which the charged on the full balance. 
Can I get help with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

As you can see Ive disputed these inquiries in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the XXXX XXXX XXXX as on time in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they are reporting a 30 day late, then XX/XX/XXXX, a 60 day late and XX/XX/XXXX another 60 day late. You can't go from 60 day late to 60 day late. I contacted Experian regarding the inaccurate information in XX/XX/XXXX and then in XX/XX/XXXX and asked them to explain how I can have 60 day late back to back and still no response. I have asked Experian as they are required to report on accurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letter with all supporting documentation to Experian requesting them to update my personal information. In addition, I have requested three time from Experian, XXXX and XXXX to remove an collections account that states opened. I have been trying to compile and follow up with no response or actions being taken on my behalf
Product: Credit reporting or other personal consumer reports

I am aware that a charge-off is viewed as a certificate of indebtedness, making it taxable income and eligible for removal from records. With this understanding, and considering the appearance of this information across multiple credit bureau reports, I seek assistance in reviewing my situation again.

According to the Internal Revenue Service ( IRS ) Publication 4681, if a debt for which you are personally responsible is forgiven or discharged for less than the full amount owed, the remaining unpaid portion is considered canceled debt and must be included in your income. I am requesting an inquiry based on data from the XXXX major credit reporting agencies, which indicate a charged-off debt from XXXX XXXX XXXX XXXX reported on XX/XX/XXXX, totaling {$23000.00}. 
An authorized 1099-C form has already been submitted to the IRS, and I have copies available for verification. The amount listed on the form will be included in my income for the XXXX tax year. Therefore, the charged-off debt should be removed from the credit reports, as my credit history should not include income-related information. 
In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my personal information, as supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. XXXX XXXX XXXX qualifies as a financial institution under this statute.

Additionally, 15 USC 1681 section 604 highlights that consumer reporting agencies can only furnish a consumer report with the explicit written instructions of the consumer concerned. I have not provided consent for XXXX XXXX XXXX, Transunion, or XXXX to share this information, whether verbally, non-verbally, in writing, or otherwise. Any previous consent I may have given is now revoked.

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a third party without informing the consumer of their right to opt out. XXXX XXXX XXXX failed to inform me of my right to opt out. The account they are reporting without my permission constitutes an adverse item of information, which is prohibited under 15 USC 1681C ( a ) ( 5 ).

Also, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain procedures that prevent violations and limit the furnishing of reports to specific purposes.Experian, Transunion, and XXXX are failing to maintain reasonable procedures. Under 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I hereby choose to opt out.
Product: Mortgage

Good Morning, I contacted the City of XXXX on XX/XX/XXXXregarding the payment of my XX/XX/XXXX property taxes and they stated that have yet to receive them. I called Dovenmuehle Mortgage, Inc. to find out why my property taxes had n't been paid. I spoke to a XXXX XXXX and he explained that a check was sent out on XX/XX/XXXX to the City of XXXX, check # XXXX in the amount of {$2600.00}. I explained that they never received it and he said he would check into this matter. Not sure why I was told this as I elected the check be sent directly to me at the end of the year. I called Dovenmuehle back onXX/XX/XXXXand spoke to XXXX XXXX and she explained that a check was sent to me directly and I explained to her that I never received it ( she could n't provide a check number the amount or a date it was sent out ). She then explained that a work ordered was opened stopping the last check and a new one would be issued within three ( 3 ) days. 

I once again called Dovenmuehle Mortgage, Inc. onXX/XX/XXXX( 7 days later ) regarding the status of the " new '' check being issued to me. I was told that a new check was not processed yet, however they had to stop payment on the other check, so it 's taken a little longer. I was frustrated, so I entered their chat room hoping trying a different avenue in getting answers. I chatted with XXXX and he explained the same thing, a new check would be issued to me in 3-5 business days. I felt hopeful. 

I just contacted Dovenmuehle Mortgage, Inc. yet again today (XX/XX/XXXXXX/XX/XXXX ) and spoke to XXXX regarding this matter and yet again was told the check was " in process '' of getting created and sent out to me. I asked to speak to a supervisor and was connected to XXXX. XXXX explained that since they had to supposedly " two '' checks, this process is taking longer than usual. He added that since it was past XX/XX/XXXX, the check would now needing to be sent directly to the City of XXXX for processing. He said that the new check being sent to the City of XXXX would be processed by Friday XX/XX/XXXX. 

I have been chasing my property tax check from Dovenmuehle Mortgage , Inc. for over one month now and it 's very frustrating to say the least, especially since I pay my mortgage/escrow on time every month. This company is very unprofessional and should be ashamed how they handle their customer 's business. I am never given a consistent answer to any of my questions and it seems very odd that no one knows check numbers of these ghost checks and dates they were supposedly sent out. Very shady! I hope someone can assist in this matter. 

Regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was locked out of my credit report by transunion, XXXX and XXXX  while trying to do a dispute because they do not list my current employer.
Product: Credit reporting or other personal consumer reports

Principals rights were violated by XXXX XXXX XXXX in conjunction with Experian, XXXX, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. Information was reinserted on principal consumer report this erroneous tortuous act took effect on XX/XX/2023 in the amount {$720.00}.
Product: Credit reporting or other personal consumer reports

Capital One acct ending in XXXX is violating my rights as a consumer for this account is not my account XXXX XXXX XXXX. I have filed several complaints # XXXX # XXXX # XXXX on Capital one and has not verified that they have a contract agreement with my physical signature.This a violation of 18 U.S. Code 1341 - Frauds and XXXX I didn't give consent to this account for this isn't mine because there's proof of account is mines. For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices. Under 15 USC 1681B therefore I didnt give consent to Capital One to report any certificate of indebtedness to report as income. They are reporting to the credit Bureaus without my consent. Also Capital One, XXXX, XXXX has been selling and trading my ( debt ) securities on the secondary market and profiting without compensation. This also a violation of 18 U.S.C. 1348 XXXX XXXX Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of 25 years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 1348 itself. Also as for the inquiries I didn't give consent to the inquiries on my credit report to be reported
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly ( 60 ) days past due on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Product: Mortgage

Since XX/XX/XXXX I 've tried to get a loan modification through Loss and Mitigation at Caliber Home Loans. XX/XX/XXXX they close out my file and reopened it on XX/XX/XXXX again Caliber Home Loans closed out my account. I have sent them via email an application for the Loss and Mitigation process and other requested documents. Every time I phone them back I 'm told I need to send more documents that they did n't receive or claim was n't signed. On Thursday XX/XX/XXXX I sent them more documents. Time is of the essence since my property will be foreclosed on XX/XX/XXXX at XXXX XXXX, Colorado time. I would like to save my home as it is my primary residence.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # 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, 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 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: Money transfer, virtual currency, or money service

On XX/XX/year> my wife and I went into the bank and spoke with a customer service representative about depositing a cashier 's check in the amount of {$8500.00} from a local credit union. We were informed that the funds would be available next day. Later that day, they put a hold on the check until XX/XX/year>. On XX/XX/year>, we went back to the bank and spoke with the manager on duty. As she looked into the details more, she said that the reason for the hold was " confidential '' and that she could not release the funds, and our only option was to wait for the hold to be complete. They had no reasoning for the hold, and did not attempt to try to verify the funds or assist in any other way. We do not fall into the typical category for holding of cashier 's checks such as frequent overdrafts, etc.
Product: Debt collection

Wrong Amount On My Credit Report They Got XXXX But Thats The Wrong Amount
Product: Credit reporting or other personal consumer reports

Requested SageStream , LLC which is now part of XXXX XXXX to remove the following information from my Consumer Disclosure Report they have on file. 

SECTION 3 : Other Reported Personal Information 1 ) ADDRESSES : All the listed addresses below do not belong to me nor I have ever lived at any of them : 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. PHONE # : XXXX ( This phone number is not mine ) XXXX. Requesting that all of the below inquiries be removed my account as I have not applied for credit with any of the creditors nor do I have any type of account with these creditors ( A ) 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 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