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

I XXXX XXXX had a Capital One limit of {$3200.00}. I been subject to a fraudulent operation on which a Third Party XXXX XXXXXXXX XXXX XXXXXXXX XXXX, contracted me and made me purchase products using my capital one credit card without being reimbursed totally. 
During this fraudulent operation, XXXX XXXXXXXX XXXX XXXXXXXX XXXX made me purchase goods in excess of {$10000.00} with only partial reimbursement of {$5500.00}. 
Capital increased the credit limit without any warning to make aware me of the fraudulent operation. thus allowing account balance to exceed limit. Mi original credit limit is {$3200.00} Regards, XXXX XXXX
Product: Credit card or prepaid card

I never activated the account, I never used the account. I am not interested in the account. Thus, the account should be closed and reported to all major credit reporting repositories as " account closed by consumer ''.
Product: Mortgage

I am not in foreclosure. I also received a demand letter on or about XX/XX/XXXX, that my mortgage would be accelerated by XX/XX/XXXX if payment was not paid in full for the arrears. The XXXX, a federal agency, issued a ban on evictions until XXXX due to the XXXX Pandemic. 

I was not offered a solution as required under Executive Order from XXXX XXXX due to the XXXX Pandemic prior to these threatening notices. I feel that the notice taped to my front door was a threat to prematurely lock me out of my own home which is not legal under the laws of ANY state or federal entity. I feel that an additional threat to call my mortgage due on XX/XX/XXXX is another violation under the current order issued from the XXXX. 

I tried contacting the loan servicer who was not able to provide information to me regarding the XXXX XXXX notice to secure my property in the next few days. However, they did own the threat of calling my mortgage due by XX/XX/XXXX in spite of the Executive Order issued from the XXXX. 

Finally, I have force placed insurance on the property for which I am being charged. I have requested a copy of the actual policy on at least 3 occasions. I have not been provided a copy of the policy still. I received instead a copy of the declaration page only. I live in a hurricane corridor which began in XXXX and I am entitled to the actual policy for which I am being charged. I had issue with the declaration page because it describes the policy as " FIRE '' insurance coverage. I was not able to get the issue resolved by phone neither written requests to Selene Finance. I received a letter dated XX/XX/XXXX and again XX/XX/XXXX that my written requests had been received. I have yet to receive a copy of the policy for which I am being charged every month. Moreover, I do not believe that I have hurricane/ windstorm coverage or homeowners insurance coverage protection although XXXX continue to be charged. Hence I file these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card

I ordered a XXXX XXXX medication from XXXX on XX/XX/XXXX for {$440.00}. It was delivered XX/XX/XXXX. I decided I didnt want to continue with the medication so I cancelled my account. The problem is, is that the medication delivery was cancelled but the billing part wasnt. So I was still charged {$440.00} in XX/XX/XXXX and received no medication in XXXX and then again was charged XX/XX/XXXX the {$440.00} and again received no medication. So they owe me a refund for XX/XX/XXXX for {$440.00} and XX/XX/XXXX for {$440.00}. The delivery confirmation that the company provides Discover is from the initial legitimate order, ordered XX/XX/XXXX and delivered XX/XX/XXXX. Discover does not understand that the delivery and shipping information provided is incorrect and is from XXXX which does not prove that they sent me any medication for the month of XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with the fact that I submitted a complaint to the CFPB in regards to inaccurate reporting AND missing information in reference to XXXX and Transunion. These XXXX bureaus all advised that my credit report is true and accurate. I submitted documents with MISSING and INCONSISTENT information within the account information profile. I also submitted documents with INACCURATE and INCONSISTENT payment reporting between these XXXX bureau 's. This is violating federal law and I want these accounts reflected in the attached documents to be deleted due to the credit agencies listed above violating federal law and none of them rectifying this problem or I will seek litigation against them. I am very disappointed that a federal entity, such as the CFPB, would allow this type of inaccurate reporting from these companies stand. Furthermore, letting it stand when the complainant is in possession and also producing legitimate and tangible proof, such as a credit report with all of the reporting agency information listed. These credit reporting agencies are also under investigation under the United States Congress in reference to millions of consumers submitting disputes and them not being rectified as well as submitting complaints from the CFPB and nothing changing.
Product: Credit card

I work in the corporate office at Saks Fifth Avenue. My Saks credit account, ending XXXX, is in default after entering my updated XXXX checking account information into the SAKS Online system as well as made a payment though there even though no payment was due at the time -- the account on XXXX XXXX, in fact, reflected a credit of approximately {$100.00} in the Saks Online bill pay service. 

Then I signed in to update my account with my new banking information and made said payment with my new bank account to make sure it worked. When I got in today, five days later, I see I received an email that the payment did go through, although there are sufficient funds in my new XXXX checking account. This morning I 've called Captial One and XXXX XXXX Customer Service several times -- the first call, the operator, XXXX, could not locate my account at all. The second call was disconnected. The next few calls, the Customer Service rep suggested I speak with Saks , Inc. Human Resources and double-check that I entered the correct bank account #. I did everything asked by Saks , Inc. as well as Captial One Card Service representatives. I just signed in and re-entered my new bank account information, and YES, it says it is the same bank information entered last week. However, it will not allow me to use this information for the account, but this is my checking account. PLUS -- the account is now in default, Capital One has charged me fees, but I can not review the complete charges and I 'm being charged an interest rate of 24.24 % as well. As I try to recieve answers and help, my credit score will be affected, and if it is, will make it IMPOSSIBLE to maintain housing within the NY State. In fact, if this happens, I will be homeless, at least temporarily, until it is cleared with credit agencies, and restored to good standing. The last call ( of several on XXXX/XXXX/2016 ) with Captial One Services, I was transferred to " XXXX '' ( who would not give me her last name ). I 'm being forced to repeat this story several times as I 'm transferred, and during ONLY working hours, Now XXXX told me I need to speak to my bank, but would I like to " make a payment now? '' If I knew what I was paying for and could review the charges to my account to make sure my account security was not compromised, I would gladly make a payment. However, I can not view statements on the Online payment system -- or transaction history, it requires they be sent by mail only -- in which interest fees and late fees will accrue and my credit score will be affected. Any help you can provide is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act accounts XXXX XXXX XXXX, XXXX XXXXXXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXXXXXX, 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
Product: Debt collection

I have an eviction account that was sold to a collection agency at XXXX separate times and the CA is reporting the balance due as XXXX complete separate accounts. Let me explain, I lost my job a while back and was left moving back to my moms with no income, hence the eviction. After the eviction The apartment complex had XXXX bill for the amount of {$920.00} and sold it to the Collection Agency, a few months later I 'm assuming after final court fees were assessed another bill was sent but I still was with out work and unable to pay. So at that time that bill was also sold to the same collection agency for an amount of {$1600.00} ; this balance how ever already includes the original balance due of {$920.00} plus the fees. Now the collection agency Is reporting it as XXXX separate account for a total a balance due of {$2600.00}. 

I do n't have court documents as I moved out from the apartment, I do how ever have the XXXX bills and the proof of the XXXX balances from the CA from when I requested account verification. 

I was able to catch the mistake because the XXXX account verification from the CA came with a copy of my lease and statement ledger showing the accrual fees totaling {$920.00} acknowledging the XXXX debt. 

But at the same time the CA also sent me the XXXX bill with another copy of my lease and a copy of the same statement of ledger but this time they included the XXXX page of the ledger showing the continuation of accruals from where the XXXX bill left off of at {$920.00} for a total balanced owed of {$1600.00}. Now the CA is now reporting separate accounts for an entire total of {$2600.00}. 

You could imagine why I do n't want to agree to anything as I would be agreeing to pay a portion of this debt XXXX not to mention the havoc this is doing on my credit. 

I sent all copies to the XXXX credit bureaus XXXX are n't even reporting the debt but XXXX is and its still on there after they investigated. Now I believe this is because I requested a verification of accounts and not a correction of balances and reporting. I am also assuming the CA can verify the XXXX accounts because..well..they bought XXXX accounts to show proof of. 

This is where my dilemma is ... not sure what step to take next with out making things worse for myself. I also contacted a consumer attorney briefly over the phone and of course the cost of hiring one will be more than the debt itself. Any help is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX.. .. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing
Product: Debt collection

Macys has tried to collect on a debt that they have charged off wrote off. Therefore now making it illegal per the Fair Credit Reporting Act and the United States treasurey. A 1099-c must issue and debt that has been charged off as a profit loss against their insurance can not be livied against me to be paid. That's illegal and double dipping. Please remove this inaccuracy and delete it from my XXXX, XXXX and XXXX files and reports.
Product: Credit card

I had a Capital One Spark Business card. 

I received XXXX large credits from XXXX XXXX to the account from XXXX concerts cancelled during covid. XXXX was on XX/XX/XXXXXXXX  for {$3700.00} leaving a large negative balance in my account of {$2400.00} on my XX/XX/XXXX statement that was cancelled out to {$0.00} by my XX/XX/XXXX statement. I never received a check for this credit on my account. 

I then received a {$630.00} rewards credit on XX/XX/XXXX as well as a second large credit from XXXX XXXX on XX/XX/XXXX for {$1000.00}. I was issued a check for {$1500.00} and cashed it reflecting these XXXX credits. 

I filed a complaint with CFPB about the first large credit for {$2400.00} and never receiving the money despite Capital One cancelling out the negative balance from my account. They responded to that complaint with information about the second credit. But those are XXXX totally separate items.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Account : XXXX ( XXXX ) I am writing to formally dispute inaccuracies on my credit report which are in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). In particular, these inaccuracies pertain to reported late payments that should be reversed to reflect " Paid as Agreed. '' Per 15 U.S.C. 1637b, credit reporting agencies and furnishers are obligated to ensure the accurate reporting of consumer credit information. The inaccuracies in question are clear violations of this statute, as the information being reported does not accurately reflect my payment history. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to address this issue. The reported late payments must be promptly corrected to show " Paid as Agreed '' to ensure compliance with 15 U.S.C. 1637b and to protect my consumer rights. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX promised goods and services and took payment but neither services nor goods were provided. XXXX XXXX XXXX ignores calls and requests for a refund. 

Chase bank would not dispute the transaction. 

Date of inquiry : XX/XX/2024 Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX
Product: Payday loan, title loan, or personal loan

XXXX/XXXX/XXXX RIPPED ME OFF FOR OVER 6342.000.
Product: Credit reporting or other personal consumer reports

NOTICED A FRAUD ACCOUNT ON MY TRANSUNION REPORT,, HOW IS THIS COMPANY REPORITNG FRAUD ON MY REPORTS,,, THERE ARE 12 FRAUD INQURIES LISTED ALSO
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST. YOU MUST ANSWER AND EXPLAIN AFFIRMS UNLAWFUL TACTICS. CLOSING THIS COMPLAINT WILL ONLY LEAD TO ANOTHER. IF YOU CLOSE THAT ONE, I WILL OPEN ANOTHER AND WE CAN CONTINUE THE CYCLE UNTIL AFFIRM ADDRESSES THE FALSE INFORMATION IT KNOWINGLY REPORTED TO THE CRA. 

This is a follow up to a previous complaint ( # XXXX and XXXX ) that was opened, which the company made false and inaccurate statements in their response that now need to be resolved. Please see the previous complaint if additional context is needed. On XX/XX/XXXX, Affirm responded to complaint # XXXX, with several untruthful comments regarding previous communication from Affirm representatives. In their response, they wrote such things as " The email noted that this could take a minimum of 30 days to be reflected on XXXX XXXXXXXX XXXX credit report '' when in reality the email they are speaking of states " Please allow 3-5 days for this to update on your Experian Credit Report. '' They did however the next day in a new message make a different statement claiming to need 30 days to resolve the false reporting to the credit bureau. It has now been 30 days and they still have not removed the false information they knowingly reported to the CRA. Also in their response dated XX/XX/XXXX, the representative stated " At this time, Affirm would also like to confirm with XXXX XXXX the tradeline is in the process of being removed from his XXXX report. '' This statement is a blatant lie, since the very next day ( XX/XX/XXXX ) they responded to the disputed I initiated with XXXX validating the account including its status and balance as accurate. I have since made several attempts to contact Affirm which went unanswered, so today I attempted to reach someone over the phone. When I got through I asked to be transferred to a supervisor and spoke with XXXX and later with XXXX. Both bluntly acknowledge the company had lied in their response, as well as each and every time they committed to removing the trader line from my CR. They then told me that there was nothing else anyone was planning to do and that I just needed to live with the negative information on my CR. I was left astounded by Affirm 's arrogant, " we're above the law '' attitude.
Product: Credit card or prepaid card

1. In XX/XX/2022, I applied for and was issued the the XXXX XXXX XXXX ( XXXX ) by by First National Bank of Omaha ( FNBO ) 2. The XXXXFNBO promo email I received included special promos for the annual fee and premium awards fee. 3. I was charged erroneously for the annual fee, because I signed and obtained the XXXX credit card under the terms of, {$0.00} Intro Annual Fee for the 1st year. See enclosure. However, on XXXX I was charged {$20.00} for the annual fee. 4. Then I was charged erroneously for the premium awards fee, because I signed and obtained the XXXX credit card under the terms of, {$0.00} Premium Rewards fee for the 1st year. See enclosure. However, on XXXX  I was charged {$50.00} for the premium rewards fee. 5. I contacted four ( 4 ) times be postal mail and three ( 3 ) times by email and never received an affirmative response to my concern and complaint. 6. I was completely ignored and I suspect this is a wide and habitual practice of FNBO, to bilk fees out of unsuspecting customers and use promo emails to lure them. 7. I have all of the supporting documents and artifacts to support my claims. 8. First National Bank of Omaha XXXX XXXX XXXX XXXX, Nebraska, XXXX
Product: Mortgage

Upon the recommendations of both my realtor and my mortgage broker, I submitted a request for the removal of my Mortgage Insurance ( PMI ) approximately 6 months following the closing date on my home. I verified the required LTV ratio ( XXXX % or less ) for removal of PMI via my online account with the mortgage company ( " if you have good payment history [ true ], you may request cancellation of your PMI on or after the date the principal balance of your loan reaches 80 % of the original value of the property '' ). When I requested, in writing, the removal of the mortgage insurance ( prior to the appraisal ), the letter I received from the lender specifically stated " For loans originated less than five years ago [ true ], but open for at least two years [ false ], the LTV must be at or below XXXX %. If your loan was originated less than two years ago [ true ], generally it wo n't be eligible for PMI termination unless you are the original borrower on the mortgage [ true ] and significant improvements have been made to the property resulting in an increase in property value [ true - approx {$35000.00} invested in improvements, primarily in a new kitchen ]. '' I found this unclear and bit contradictory - did I need XXXX % LTV or XXXX % LTV? So I called and spoke with a representative from the mortgage company who confirmed for me that the loan-to-mortgage ratio needed to be at or below XXXX percent, following an appraisal of my home, in order for the mortgage insurance to be removed. Based on this information, I submitted a payment of {$390.00} for the bank to send an appraiser of their own ; they would not allow me to hire an independent appraiser ( I specifically asked due to the obvious bias a bank-hired appraiser was likely to have ). The appraiser spent less than 5 minutes on my property, and her appraisal ( {$250000.00} = {$22000.00} more than the selling price ) did not seem to reflect the combination of increasing property values in the XXXX and specifically XXXX XXXX areas, along with the significant investments we had made in improving the home. Regardless, this new appraisal brought me to an LTV of about XXXX %, which based on the information I had, I understood would remove the monthly PMI payment I 'm required to make. Only at this point did I learn that, according to the bank, I needed to meet an LTV of 75 %. Thus, I paid {$390.00} for an appraisal based on false information, and achieved no results or savings from it, and according to the bank I am still required to pay a monthly PMI of between $ XXXX-XXXX. I think it 's important to note that I have a perfect payment history. I pushed back and the bank did not agree with me regarding the removal of the PMI. Then, today I received a refund check based on XXXX and XXXX XXXX fraudulently advertising savings available via a fee-for-service payment program that I joined to reduce my total interest payments over the long-term. This immediately reminded me of the questionable practices surrounding my PMI and appraisal, and I feel I need to now report what is likely another area in which XXXX/CMC Funding is defrauding its customers.
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry on my credit report this morning, and I have no idea why it's there. I regularly review my credit report, but this time I found unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but it wasnt. The unauthorized inquiry persisted. Im extremely frustrated by this issue and request that the documents Ive sent be carefully reviewed so I wont have to worry about this happening again.
Product: Vehicle loan or lease

IIn XXXX of XXXX someone had used my persona information fraudulently to obtain an Auto Load Through Wells Fargo Auto. The address used was not my address, The signature is not my signature. And, at the time of the fraud I was not residing in the United States, I was residing in XXXX XXXX, more than XXXX time zones away on the other sides of the world. I currently live in XXXX and have resided in XXXX since XXXX. I rarely come back to the US. However, this account appears on my Credit History and as I have explained to Wells Fargo several times, the account is NOT mine, I didn't apply for or Open this account, I reside on the other side of the world, and I am unable to obtain a Police Report from a US Law Enforcement agency because I the account was applied for then charged off several years ago and no law enforcement agency will accept a Police Report. Complicating the problem, I do not have a perinate US address, Wells Fargo will not send documents via email or overseas, and they will not accept a Police Report from a XXXX XXXXXXXX XXXX XXXX. I never applied for, opened, or benefited from the fraudulent Auto Loan Account, the account is nearly 7 years old and charged off almost 6 years ago and needs to be removed from my credit report immediately. The account is NOT mine, I never applied for it and I have done everything possible to resolve this matter. I am unable to obtain a police report since I do not reside in the US, and no one will take the information for a police report due to the age of the account and the fact I do not reside in the US> I just want this account removed NOW!!
Product: Checking or savings account

Citibank XXXX XXXX account inactivated my account for inactivity even though the account is funded on a weekly basis. No help calling and there is not a branch near me to go in. 

A letter must be written to get access to my funds. Im buying a house and need the money very soon. Extremely disappointed. Please be aware they may inactivate your account and you cant get your money out. Be aware especially if you dont live close to a branch.