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

On XX/XX/2020, I went horseback riding at XXXX XXXX Riding Stables in XXXX, California with my sister-in-law and her sister. We were gone with the horses for about an hour and a half and then we went to grab food before heading back to their parents ' house. While picking up pizza, my sister-in-law received an alert that someone had tried to use her credit card at XXXX XXXX. This prompted all of us to check our wallets, which had been in our purses left in the trunk of the car while we were with the horses. Each of us was missing our credit cards, debit cards and any cash we had been carrying. The other two girls did not have any charges on their credit cards - the one that had been attempted on my sister-in-law 's was declined. My credit card was used for a purchase of {$650.00} at XXXX XXXX. 

When we got back to the house, we called the riding stables to see if they had cameras or any information, but the car had been parked on a residential street nearby and they were unable to help. We also each called the bank to cancel our stolen cards. I confirmed with Chase my last valid transaction and that the XXXX XXXX transaction was fraudulent, so they removed that charge from my account and told me that I would receive my new debit card and credit card in about a week. At this point I took no further action because I thought the situation was finished. 

Then, in XXXX, I saw that the charge of {$650.00} had been added back on to my statement. I contacted Chase to see why this had reappeared and was told that because I had shopped at XXXX XXXX before and had not filed a police report at the time of the incident, the Fraud Department had deemed it a valid transaction. I was told that I could still file a police report and there would be a strong chance that this ruling would be overturned. 

I filed a police report with XXXX XXXX County and sent a copy of the report to Chase, but never heard anything back. No one ever contacted me from the Fraud Department to follow up about this situation or to ask any outstanding questions. I reached out to Chase by phone, through their website, and at the local branch at which point there was then a mix-up about another transaction they thought I was disputing with XXXX XXXX for around {$30.00}. To be clear, I have only ever been trying to dispute the one transaction of {$650.00}. Again, I was told that I would be contacted by Chase in 7-15 days and never heard from them regarding this dispute. 

I have never authorized anyone else to use my card or given my card number to any family or friends. This transaction was not typical spending for me as I do not generally make purchases of such a high amount and at the time I shopped almost exclusively online because of COVID. The credit card was used in person at the XXXX XXXX in XXXX and at the time I was living in XXXX XXXX, at least a half hour drive away. I don't know what was purchased and I only knew the store location after a Chase employee informed me. I have been banking with Chase for over ten years without any issues and hope this can be resolved. Please let me know if you require any more information. Thank you.
Product: Mortgage

I have a 30 yr mortgage with Caliber Home Loans for the past 3-4 yrs. As of XXXX-2018, they began adding on a {$3.00} fee per month for paying the mortgage online. This doesn't seem fair to me. They state that if I setup a scheduled monthly payment cycle on a certain date then the fee won't apply. I'm not able to do this - I manage my mortgage payment based on pay dates between my wife and I. I don't feel that Caliber should be able to add this fee on. Please advise. 
Thank you.
Product: Credit reporting or other personal consumer reports

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Product: Consumer Loan

I made my last car payment I owed on my XXXX Mazda Tribute to County Financial Services on XX/XX/2016 before the due date of XX/XX/2016, on an account that has never been late, and after receiving and cashing the check by County Financial Services the company incur an additional approximately {$120.00} so-called an additional interest charge to the account I needed to pay before they call this loan is paid in full and send me all the necessary documents such as Pink Slip, release of liability etc ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am begging for help with Equifax they have placed a fraud account on my credit report for US DEPT OF EDUCATION. I have explained a million times that I have never been to college or taken a loan in my name for education for my self or anyone else. I previously submitted a police report and an identity theft report. I called to follow up they told me they never got it but some of the accounts that was included on that report they deleted. I called back to follow up again the Rep said he could not look back in the files at old information even if this account was included. They have made this an entire nightmare. I have been trying to get this account that someone else opened off my credit but it seems as a punishment someone will not " READ & UNDERSTAND '' THIS A FRAD ACCOUNT OPENED IN MY NAME. Each time I contact CFPB XXXX  responds that this matter must be investigated which they never do please look at all the complaint and have them delete this account IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : Open Date XX/XX/2020 Balance : {$20000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sued me and they lost in court, this is not my debt and I mailed Transunion the order of dismissal from the judge of the 13th circuit in and of XXXX XXXX and the negative information is still listed on my credit report, I disputed as to how they were receiving validation if XXXX could not validate in court how were they validating to Transunion
Product: Mortgage

My home loan was sold to Loancare LLC in XX/XX/XXXX on XX/XX/XXXX the check for tax payment of my Summer XX/XX/XXXX taxes was sent to Loancare LLC from previous mortgager. XXXX has yet as of XX/XX/XXXX to pay my summer XX/XX/XXXXproperty taxes. The money is in the escrow account and has been since XX/XX/XXXX7. I have called to resolve this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 1XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All to be told that the Tax Dept was  reviewing it. 3 1/2 months to review a simple transaction. Now my property Taxes are late and have penalties. There is no direct number for the tax department. I wonder why? I cant get a straight answer. I want my XX/XX/XXXXTaxes paid. I have loss the tax deduction for my home. I want a quick resolution.
Product: Debt collection

I attempted to contact Waypoint Resource Group via mail and request they provide proof that the debt owed is mine. It has since been XXXX  days and I have not recived any response.
Product: Mortgage

My hardship started when I lost my job and had a decrease in household income. I attempted several times to request for a modification with my mortgage company but to no avail. I provided documents to them over and over again and attended conference and yet I keep getting missing doc letters that ask for the same items ( income ) just recently a delay in judgment was place for XX/XX/XXXX in order for me to provide again my paystubs. This was emailed to lenders attorney yesterday and was told everything will be placed on hold. I understand I should have been given 30 days for review of an option not 11 days.
Product: Vehicle loan or lease

I leased my XXXX XXXX in XXXX, was due to turn it in by XX/XX/XXXX. As most people know, we are dealing with a pandemic then and now. So on XX/XX/XXXX. XXXX, I turned in my lease due to mileage almost being over. I planned on going back to purchase or lease another vehicle before the end of the month. However, the car dealerships closed within a day or 2 of turning in the lease. The car dealerships didn't reopen and still are barely open to this day, until a few months later. Leaving me without a vehicle. Then as soon as the dealerships open in XXXX, I got slammed with the disposition fee ( which is a very sneaky way for the companies to make more money and is not fully explained at signing ). I did know this was one of their great ways they do business, but assumed due to not being able to buy a car, it would be waived. So I get to pay another {$410.00} for a vehicle I don't even own. I had no excess wear and tear or mileage. I have spoke with them several times and they will not help me. This is completely unfair business practices and I had no control over buying a vehicle within their time frame. They are willing to " help '' others during the pandemic but screwing over many others at the same time. I lost my job and can not afford to pay it right now either.
Product: Debt collection

I received letters from Wright Lerch & Litow ( Indiana ) in XXXX and XXXX stating that I owe a debt in the amount of {$3900.00}. I disputed the debt in XXXX and XXXX. XXXX XXXX, Wright Lerch & Litow filed suit in Indiana Small Claims Court. XXXX XXXX, there was a hearing I denied the debt. I asked for Discovery and found out that XXXX and XXXX ( Not Located in Indiana ) are actually suing me. AT NO TIME did Wright Lerch & Litow make it known that they are representing XXXX. One of the documents from Wright Lerch & Litow, states the client is XXXX XXXX XXXX and the Original Creditor is XXXX Bank. Another document from XXXX XXXX of XXXX Bank dated XXXX XXXX, XXXX states " findings were forward to Attorney XXXX XXXX XXXX. Never XXXX has any of XXXX Bank 's documents listed XXXX XXXX XXXX XXXX as the attorney. I requested " terms and agreement, '' contract between Wright Lerch & Litow and XXXX Bank, contract between Wright Lerch & Litow and XXXX XXXX XXXX and between XXXX Bank and XXXX XXXX XXXX. I have not received any documents giving Wright Lerch & Litow or XXXX XXXX XXXX the legal right to sue me. There is no contract, terms and agreement, no credit card statements for XXXX, XXXX and XXXX they ca n't provide me with any proof of transactions XXXX, XXXX, and XXXX. Wright Lerch & Litow FAILED to name all necessary party and misrepresentation. I do not know who the real lawyer is and feel it is illegal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that does not belong to me I have ID theft, I have written several letters to the collection agency and the bureaus and they have not removed this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these inquires be immediately deleted from the credit file you maintain under my social security number. 
XXXX 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

Ive been dealing with this almost a year Ive did every step they told me to get these inquiries & accounts removed!!! Ive submitted identity verification & utility bills along with the FTC as was requested I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To XXXX, Experian and XXXX on the following dates XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I haven't received any response from the 3 credit bureau 's listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

failure to apply under the FCRA Rules & Conditions, Sec 609 ( A ) ( 2 ), 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and under Identity theft Rules under 623 ( a ) ( 6 ) ( A ) Which Equifax did not follow these Rules after receiving the Notice and dispute letters which on three different times and I have the proof of service from the certify mailing receipt. I also have a pending litigation matter om XX/XX/2020 on, Equifax regarding this incident. They didn't even respond back in that 30 days timely matter from the dispute letter 's They didn't even respond back until after the 3rd attempt from the disputed letter after I exalted all my state remedy 's and due-process.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 were # 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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability & transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i refinanced with Dovenmuehle/XXXXXXXX XXXX XXXX around XX/XX/XXXX i had a roommate move out over night owing me XXXX XXXX dollars so i contact acted my mortgage company to ask them XXXX there was a temporary program to assist me for maybe 4 months if not less they informed me that there was such a program and advised me to fill out the documents that they would send me so i filled them out sent them back and waited 2 weeks before contacting my servicer and was then informed to not make any payments until the loan modification was complete at that point i was current with my loan and was informed that it would not effect my loan or credit rating in XXXX of XXXX i was sent documents for a trial modification for XXXX XXXX and XXXX of XXXX and my payments would be XXXX so i contacted them and asked how this was assisting me when my original payment was XXXX they said ok that I needed to fill out another form which i did and again I received a trial modification for XXXX a month this was for XX/XX/XXXX XXXX and XXXX XXXX so i agreed and made the 1stand 2nd payment i tried to make the 3rd payment they said I had been put in a forbearance and when it was done I would pick back up with the trial modification so the last month of the forbearance I contacted my server and asked when i should start my trial modification payments and they then informed me that my trial modification had been cancelled and that i had to fill out the same documents to start all over again so i did and when the trial modification started for the 3rd time it was filed in the XXXX XXXX XXXX XXXX and when I was on my second payment I was informed that my house was going up for sale the next day so I contacted a law firm XXXX XXXX and retained them they made me go file bankruptcy to stop the sale of my house so XXXX worked with my servicer and in XXXX of XXXX I started my XXXX trial modification it went from XXXX to XXXX and XXXX of XXXX the modification paper came to me the XXXX of XX/XX/XXXX stating starting XX/XX/XXXX I was to pay XXXX a month and that all the missed payment would be added to the end of my loan and my loan would be extended so every month from XXXX of XXXX I made my payments so in XXXX of XXXX I was contacted by a refinance co and started the process of refinancing only to find out that they had added nearly XXXX dollars to my loan and reported me as late for all the months they had me waiting for modifications so I contacted my servicer and asked them to fix the error they refused i sent evidence to all 3 credit company and asked them to fix the errors so my servicer comes back and says they will mark me current from XXXX of XXXX to XXXX of XXXX and no data available back to XXXX of XXXX when my original trial modification started my servicer has lied to me and the new lender i am attempting to go thru i have all the evidence to prove every thing I've said in this statement i just need help
Product: Mortgage

on XXXX, I received a 1099 INT form included along with my 1098 mortgage interest statement for 2024. The1099 INT form indicated Pennymac had paid me {$820.00} in interest income during 2024. This is incorrect. They have never paid me any interest, I am the one paying them interest every month. I don't know if they are trying to avoid tax penalties by erronously allocating that interest to me. Which also makes me liable for paying taxes on interest income I never received. The only money they ever refunded me was excess escrow funds and that was from money I paid them and not interest earned.
Product: Debt collection

im am being charged by harvard collection service and the orginal creditor was XXXX and i had sent cfpb information on this account and i got a letter 3 yrs ago that it was not owed. now they are coming after me again for the money they say i owe. XXXX is saying i owe XXXX and they want to settle for XXXX and it has been aredy written off the letter i received today is dated janurary XXXX. they are telling me that this was done 3 yrs ago.and i dont owe this money .and im not paying for something that i had sent your company before about this matter XXXX  wrote it off.
Product: Credit card

There a two inquiries with capital one that are not mine.

I have disputed multiple times.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to their substandard customer service and unfair practices, which contravene the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, resulting in my account being left vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair, dismissive and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Consequently, I have experienced significant inconvenience and financial loss, and I seek appropriate compensation
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to SYNCB/ XXXX  on  XXXX   XXXX ,  XXXX  about an unauthorized inquiry on my  XXXX  credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them.     The company sent a letter back, dated  XXXX   XXXX ,  XXXX , saying the inquiry was as a result of an application from  XXXX   XXXX ,  XXXX , which I did not do. They failed to send any documents to support their claim.     I requested the inquiry to be removed from my credit report and they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit out of nowhere. This debt was paid already and now it just showed up on my credit report.
Product: Credit card or prepaid card

I have been sending dispute letters for the account and I have not had one response from this company. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX {$4000.00}, XXXX XXXX XXXX {$590.00}, us department of edu {$4200.00}, us department of edu {$590.00}, us department of edu {$2400.00} 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: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  AL Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX