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

On my Experian report I have credit card charge {$1600.00} from XXXX XXXX, open on XXXX XXXX fraud ( identity theft ), I know my cousin XXXX XXXX who lived in my home since XXXX until XXXX open this account and many other account as XXXX, XXXX, Store Credit , personal loan without any permission, And never request any credit with this company. 
I talk to XXXX XXXX and explained since XX/XX/XXXX they send me identity theft letters and I signed and send back to them and I send copy to Experian Also I reported to identitytheft.gov to report them I am victim Many time I spoke to Experian customer service and supervisor they didnt anything just each time stating to new dispute after 30 days same answer Please some one help me Again I am never request any credit from XXXX XXXX I ask never used any credit from XXXX XXXX  I am victim My cousin used my information also he lives with me almost 6 years and left to XXXX I have all his information if they request I can provide them
Product: Debt collection

This company has contacted me at all hours of the day mornings, and late nights they are continuing to ask me personal questions. They only say they are collecting on debt but refuse to give me any info on what or who they are collecting for. They ask me questions like what is my address, my SS #, and how to make a payment arrangement. I asked them to provide proof I have an account with them and the amount and how I owe them, but they have refused to provide that proof. The only way I found out who they are is because they placed two separate collections on my account. My score lowered by XXXX points so I pulled my report they have two collections on my account for the same date with two different amounts. I have begged them to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent four letters dated XX/XX/18 to Capital One disputing late payments and the accuracy of those late payments on four accounts. I was very detailed in my letters which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received four letters from Capital One stating that the accounts were reporting correctly, information on when I applied for the accounts, and placed a disagreement code with a resolution of dispute on my credit reports. After I received the letters from Capital One, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. These accounts were not marked in dispute. I received letter from Capital one dated XX/XX/18 stating again that these accounts had been properly validated. I sent another letter dated XX/XX/18 to Capital One detailing that they had not provided proper validation of reporting late payments and requested the late payments be removed. I received letters from Capital One dated XX/XX/18 and XX/XX/18 stating they had completed their investigation and the accounts were reporting correctly. I pulled my Experian report again on XX/XX/18 and these accounts had been marked " Account was in dispute-now resolved-reported by subscriber ''. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of these accounts dated XX/XX/18 and all three credit bureaus reported the late payments were valid, and marked my accounts " Account was in dispute-now resolved-reported by subscriber ''. Capital One has violated section 623 ( a ) ( 3 ) of the FCRA by not providing validation and not marking my accounts in dispute within 30 days. Please see attachments for all correspondence regarding this matter.
Product: Checking or savings account

I need complaint ID # XXXX reopened as you closed the case and the bank 's solution did not resolve the issue. XXXX XXXX Customer Service has informed me that the form KeyBank told me to have them fill out can not be filled out by them so the check can not be cancelled ( email pdf attached ). This includes XXXX 's timeline of KeyBank 's incompetence, negligence, and malfeasance. My $ XXXX is still just gone. My next step will be to contact and attorney and seek punitive damages at this point as, due to the ongoing stress in part caused by this issue, I underwent an emergency MRI on XX/XX/2022 to check for XXXX XXXX regrowth due to contralateral weakness in my left side that persists. The cause remains unknown but may be due to my XXXX.
Product: Checking or savings account

On XX/XX/2022, Wealthfront sent me an email saying that they wanted to close my account. The email did not state a reason, nor did it give the opportunity to address or respond to any perceived problem with my account. A reply email was ignored. 

After waiting approximately a week for a reply to my email, I sent another email asking for an explanation, only to receive a reply saying that their legal team made the determination, and that they refuse to provide a reason, again denying me any opportunity to address whatever problem they have with my account.
Product: Checking or savings account

I opened a fraud dispute through customer service, and due the high number of transactions the representative opened 3 different claim numbers XXXX - XXXX - XXXX All the transactions were made on XXXX I lost the card and as soon I noticed I proceed it to lock it through the app. 
Now I got 4 letter sayin that 3 claims were denied and one was approve.

It doesn't make any sense to have only some of the approved and the others denied. 
I called today XX/XX/XXXX to customer service, they transferred 3 times the phone calls, nobody could tell me any information about the case and on the fourth transfer the call was disconnected. I don't have time to waste speaking with low skill or not prepared representatives through the phone, my time Is expensive. 
So please explain why some of them were denied, some approved and reopen the case.
Product: Payday loan, title loan, personal loan, or advance loan

I sent written notice to XXXX, the email address listed in my contract with Explore Credit, via email revoking my authorization to automatically debit from my bank account on XX/XX/XXXX. As of today ( XX/XX/XXXX ), they continue to draft my account while giving me an increasing number of requirements to " start the revocation process '', initially asking my reasoning for wanting to stop, which I refused to provide as my personal finances are private and I am under no obligation to disclose that information. They requested clarification on whether or not the revocation was for a single payment or all payments, to which I replied all future payments. Most recently they asked for XXXX days of bank statements in XXXX format, a copy of my driver 's license, and a selfie as well as a written letter sent to their XXXX XXXX within XXXX days to " start the revocation process ''. Their exact words were " But this is the process for the revoking account without supportive documents we can't proceed to revoke the account ''. This is on XX/XX/XXXX, now over XXXX months after the initial written notice was sent. All during this time they have continued to draft my account in XXXX payments taken on the same day, in the amounts of {$57.00} and {$19.00}. These amounts were taken a total of XXXX times AFTER my written notice was sent. Those dates are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additionally, if they continue to disregard my repeated written notices, there will be another draft taken today ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keep reporting wrong information to my credit report and is refusing to send me the process of their investigation. I believe no investigation is been made as they keep reporting wrong information. 

please see attached letters been sent AND PROOF OF MY ID
Product: Credit card or prepaid card

Around XX/XX/2020 i XXXX XXXX XXXX opened a credit card account online with capital one bank and capital one approved me for a secured credit card and which i was excited to start my credit over again so at that time i sent capital one my security deposit for XXXX online then i got a letter from capital one bank on the XX/XX/2020 telling me that they need to talk to me about possibly fruad so i contacted them about their concerns and i also corporated with capital one bank giving them all the identifying information needed to get the restriction lifted twice first time they ask me for identification card pge bill and social card and i sent those to them and they confirm they received those items but them they stated to me that could not clear my id cause it was to knew and to call them back in a week i did that patiently waiting on capital one in the mist of all this iam dealing with XXXX and needing to use the card so i can get my medicine because i dont have enough cause i put the money into this account i am so XXXX  and iam asking that they please lift this and pay for my medicine that is XXXX because i should never been put threw this XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Federal Trade Commission, if an account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began is the correct delinquency date. This account has an incorrect day of first delinquency showing. The correct date is XX/XX/XXXX. 

For example the FTC states : XXXX XXXX credit card account becomes delinquent in XX/XX/XXXX. XXXX makes partial payments for the next five months, but never brings the account current. The creditor places the account for collection in XX/XX/XXXX. 
Because the account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when XXXX first became delinquent. The correct delinquency date is XX/XX/XXXX.
Product: Credit card

Companies have stolen and/or used my personal credit card information ( attached account ) without knowledge and/or consent. ( 15 USC 1602 ). Have unlawfully communicated same to affiliates absent knowledge, authorization or consent ( 15 USC 1692 ( c ) ). Requesting block. 15 usc 1681
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

For the second time, upon attempting to log into Navy Federal Credit Union's website to pay my auto loan a few days late, I've been presented with a sparse webpage that claims that I've been put into delinquent status, locked out of my account, and told that I must pay both this and next month's bills, all at once, to regain access. This is untrue; clicking through a small link lets you view your accounts, and to also view the actual amount that is late and due. To a casual observer, however, it would appear that one must pay twice the expected amount! This is misleading and unfair.
Product: Checking or savings account

Yes I do. I have a problem with account XXXX I XXXX XXXX  a wire and messed up last digit and it was returned so I rewired digitally again and it was cancelled so I did in branch and it was cancelled again and my account was closed for no reason I called prior to the second wire letting customer service know I messed up and was reissuing Some XXXX customer service agent called to say closing my accounts and says no one can do anything Subsequently they went after my business account which does XXXX  a year as retailation a week later after I contacted a friend very high up in Chase would wanted to my me to JP Morgan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the Experian credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Pmc will not let me link my account its mine and i should be able to link it amd/or make my own descio
Product: Checking or savings account

There was charges on my card that i did not authorize and i files clam, well i did get my money back on my card, and then they said i had to show and prove my idenity for them to issue me a new card. I sent them this information by fax and by email 4 different times, i called both parties and talked to a few mangers and one day they say we are speeding pricess up the next says re summit and i am so over this i dint issue my card unployment did told them call them they wont im just over trying to get a new card. 

aslo would not allow me to change my address the address on this account is XXXX XXXX XXXX XXXX XXXX NE, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response in my complaint # XXXX, XXXX, XXXX and Im the one who submitted a complaint on XX/XX/XXXX. These items XXXX XXXX XXXX ( Original Creditor : XXXX ) and XXXX  Date of Inquiry XX/XX/XXXX is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me
Product: Debt collection

As indicated in the complaint letter to XXXX, several sections of the FDCPA were violated. These violations were all clearly spelled out for the debt collector, with included references to the specific section of 15 U.S.C. s1692. There was a total of 19 FDCPA violations including the aforementioned false representation of an amount owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Trans union is reporting a score thats XXXX points lower than the other credit unions. This just happened while I was trying to get a loan. It cause my rates to go up. I want solid reasons why someone changed my score for absolutely no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a collection/chargeoff in the amount of {$64.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was previously removed from XXXX  and XXXX   however, Experian has re-aged this collection and added a new account number along with a new reporting date. This is a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate account information be reported on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report, I have contacted the bureau to remove this however, I have not  been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, Citibank Na., Best Buy add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

On XX/XX/year> I asked for the State of Louisiana XXXX benefits to be applied to our new mortgage. 
On XX/XX/year> I was denied. 
On XX/XX/year> I provided Freedom Mortgage a link to the State Statues regarding XXXX. 
On XX/XX/year> I received an incorrigible reply that spoke of XXXX XXXX, California and New Jersey. 
XX/XX/year> I requested my request be escalated to a supervisor and provided a written copy of the Louisiana State Statues for XXXX. In my message, I also indicated that I would be taking legal action according to my rights under the statue. I provided them with a written copy of that statue as well. 
On XX/XX/year> I received a message indicating I would receive a response by XX/XX/year>. 
On XX/XX/year> I received a letter, once again denying my request for XXXX benefits. 
I have called the mortgage company several times. Each time, the call center receptionist reads off the denial letter sent in XXXX. 
I have the right to Louisiana XXXX benefits as an XXXX XXXX XXXX of XXXX in the United States XXXX XXXX Freedom Mortgage is not a federally funded company. I have had no issues with any of my other banking institutions and credit card companies in applying these benefits. 
Please assist me in this matter. 
Thank you, XXXX
Product: Credit card or prepaid card

We pay off our credit card bill fully every month. 

We have autopayment to pay this credit card. 2 payments were taken and the bank refuses to send the other payment back in a timely manner. 

on XX/XX/2023, 2 payments of more than {$11000.00} ( {$22000.00} total ) were taken from our local bank to pay the credit card bill. 

the Bank, BoA, is saying that it could take 2 full months to return the money. We have called them and escalated the issue to supervisors with zero results. We need assistance to compel BoA to return our money. We do not understand why they can legally keep our money hostage for such a protracted time.
Product: Debt or credit management

I am writing this letter to try to come to a resolution with my mortgage company Rushmore servicing they are not honoring previous executed loan modifications, and portal claims from XX/XX/XXXX. Also, with prior modification that was not even needed at the time it was just recommended just in case they denied it for writing on the actual submit it notarized notification from, XX/XX/XXXX, after one of their service members had to do that to explain about a quick claim deed that the XXXX was not a part of the mortgage, and that will be fine and it was denied for writing on it which they said to do I will be uploading proof from the prior mortgage company right path mortgaging with is actually part of Rushmore under Mr. Cooper so they should already have this but not a difference. Theyre also claiming I owe months which were already paid stated in this letter from right path now due to this, theyre saying I dont have enough money for the partial claim when the funds were already there prior now due to their errors dating back for years. Im still going on with the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.
Product: Mortgage

My mortgage company is running me in circles. I have been trying to fix a problem with my escrow IMPOUNDS since XXXX. I have even elevated this to a supervisor named XXXX and it is still not corrected. This is ridiculous!! HELP HELP HELP I filed a complaint on XX/XX/XXXX with CFPB about this problem and it is still not fixed and no one at my mortgage company LOOKS at anything to see that what I am saying and what they are telling me is true. 

They re-ran an escrow statement using the same information that they used previously and the only reason i found out it is the same information is that i asked to see a copy. 
They are impounding me for taxes i paid and theirs are being refunded, even though they told me they are being refunded leading me to believe they are not charging me for the refund, they still are, but the people that work there can't even figure that out and tell me " it is our policy to have you on impounds ''. 

This is the worst service ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by the Equifax data breech and may have gotten into the wrong hands. Many unauthorized inquiries