23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started an application on XXXX XXXX for a cash out refinance and spoke with Loan officer XXXX XXXX at Amerisave. I gave him all the info of how long I lived in my home and when last refinance closed. He stated my application was approved and sent me a loan estimate and conditions that needed to be submitted and stated I would need to pay a {$500.00} application fee before moving forward, in which I paid. While submitting conditions, I researched and had concerns about their approval and asked the Loan officer if I would still be able to refinance since I just closed on loan less than 6 months ago. He stated he would find out and let me know. At approximately XXXX XXXX XXXX, on XX/XX/XXXX, I received a call from Amerisave ( XXXX XXXX ) and he left a message. He stated that would not be able to move forward refinance until XXXX of XXXX after 6 months has passed and he would go ahead and initiate a refund of application fee ( {$500.00} ), nothing further I needed to do. I waited several days then emailed XX/XX/XXXX at XXXX asking about refund to no response. XX/XX/XXXX at XXXX I texted the number he texted me on before and asked for update, he responded and said he would now initiate and will send confirmation soon ( XXXX XXXX ). I have never heard back after 3 more attempts to get update and still no refund after being told on XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

This call came from ( XXXX ) XXXX. I called the number back and when I tried to get specific information the person kept hanging up on me. She wanted credit card information over the phone without me being able to verify anything. I called back at least three time to get more information and when I asked specific questions she kept haning up on me. The collections was supposedly for a capital one account. I have never received anything from them concerning this matter.
Product: Debt collection

Upon reviewing my recent credit report, I identified multiple accounts that I believe are inaccurate and were added without my consent.
Product: Credit card

I am having a complete nightmare with Chase. There are charges on replacement cards that I never authorized the card when recieved this us times 2 different replacement cards. A payment was applied to an old account that has not been used in years, so we had a three way conversation with my bank, Chase accounting and myself on XX/XX/2024. This issue was resolved per accounting dept on XX/XX/2024, followed up by a letter stating that the payment was applied to the correct account. Now they are charging a complete different account and saying that I owe this amt. What's happening is just to much to explaine. Customer service has been zero help. They transfer me to fraud and fraud transfers me back. They have ruined my credit. I've gone from excellent credit to good. It has mentally and physically affected me. This has so many more aspects to it and multiple cards
Product: Credit card

XX/XX/XXXX, I checked my credit card transactions for my Barclays Card on-line and saw a charge that I had not made. I contacted the credit card company and told them I thought I was the victim of fraud and they agreed to remove the charge and investigate it. When I got my statement a few weeks later, I saw another fraudulent charge. I called again to report it and they agreed to cancel my card. I complained that the second fraudulent charge could have been prevented if they had responded to my first complaint and cancelled my card then. I then asked if they had experienced a security breach because I had not lost my card and it had not been stolen. They admitted that they had, but would not give me any details about the breach. They could not refer me to anyone who could give me that information and whether I was at risk of more identity theft. When I asked to complain to a supervisor I was put on hold for an extended period of time and finally had to hang up. The fraudulent charges on my account were very obviously fraudulent. They were for much larger amounts than I usually charge and made at stores far away. I believe that Barclays should have been able to identify the fraudulent charges themselves and should have made an effort to do so, particularly because they had experienced a security breach. I believe they had an obligation to let cardholders know about the breach so they could protect themselves from further identity theft. I was appalled that they seemed to feel no sense of responsibility and did not act proactively and to expose me to further identity theft rather than let me know there was a breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX  XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c.

I am also INCLUDING MY RECENT CONTACT IN CASE YOU NEED TO REACH ME : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.
Product: Money transfer, virtual currency, or money service

I have noticed a few charges to my work pay card that are confusing I have been charged and had money deducted from my accountnow account most recently {$160.00} on XX/XX/18 I actually just got card replaced after this happened previousely and I'm at a loss now as to why or how this is happening I don't even use Western Union. And I noticed a few XXXX rides charged to my card also but the Western Union deductions is what I'm most concerned about all in all it was almost {$300.00} with my prior check and {$160.00} with my next check.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Credit reporting or other personal consumer reports

I looked on my credit report there was some fraud accounts on my file
Product: Debt collection

I have 3 different collections with this company that can not verify the collections they say I owe one for XXXX another for XXXX an lastly one for XXXX I would just like them to take them off all 3 credit bureaus
Product: Credit card or prepaid card

Someone signed me up for JC Penny emails ( I did not subscribe ) and while reviewing the emails I've received, I noticed a JCPenny Credit Card statement was sent. I have never signed up for a JC Penny credit card and haven't shopped there in years so I'm unsure how this happened. I want to make sure this does not impact my credit score and confirm nobody is using my name for fraudulent charges.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Vehicle loan or lease

In XX/XX/year> I purchased a car through credit acceptance. In XX/XX/year> I was injured at work and unable to continue making my payments. In XX/XX/year> my car disappeared. I called credit acceptance to ask if they had repossessed my car due to non payment they advised me they do not do repossessions. I never found my car and I was never able to resume paying. I recently looked at my contract that stated that if I am delinquent on my payments my car will be repossessed they are lying to me about repossession of my car they are still charging me and they are charging my account as 180 days late for the last 6 years when they already repossessed my car they are destroying my credit and my life
Product: Consumer Loan

I had a dental practice which I terminated in XXXX 2014. XXXX Bank ( XXXX XXXX ) had set up a credit card swiper so patients could pay with their credit cards. When the practice was closed down, there was no need for their services any longer so I sent the swiper back to the leasing company, closed the account being used at the bank for automatic withdrawls, and thought that would be the end of it. Instead, the credit card processor used by the bank ( First Data Global Leasing of XXXX, Georgia ) has continued the harass me for the monthly payments even though they have been informed that there is no longer the business entity to make the payments. The lease was made out to the company name and was clearly a business lease and not used for personal use. My wife did not sign any of the documents but she is being effected by this constant harassment via telephone calls, mailings, etc.These people are loan sharks, plain and simple. I would hope that you can point out to them that their contract is now NULL and VOID.
Product: Payday loan, title loan, personal loan, or advance loan

I logged into my XXXX XXXX account on Thu XX/XX/XXXX to update my balances for my records. I saw they had change my payment and my auto pay by nearly {$50.00} a month. I looked for statements or a notice regarding why it changed, and there is nothing my account showing those documents or my correct balances or anything with clarity on this loan balances which portion is interest and principle. They also have nothing notifying me of discontinuing any plan i was on, or that my payment was changing. They also didn't notify me that my auto pay was changing, they just changed it without notifying me first. 

I also had received emails and notices about changes to this program they mentioned a long time ago. because of that and the lack of disclosure on my account with them, i have no idea what was qualifying me for or what has happened with my account. The only information about my account still shows {$470.00} for my payment but amount due is XXXX.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. Please remove it from my credit report or I am seeking litigation, please delete it. 
- 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 instructions.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX  and reflected on my report with TRANSUNION. I do not recognize this account, and I believe it has been included on my credit report without proper authorization.

I submitted a formal dispute with TRANSUNION, requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose.

Despite my dispute, TRANSUNION responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability,
as upheld by case law like XXXX XXXX XXXX XXXX XXXX 
Additionally, the actions of TRANSUNION and XXXX  may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.
Product: Mortgage

i filed a complaint with the cfpb regarding shellpoint mortgage servicing ... yesterday I was told by shellpoint that my loan was with underwriting and they would not give me a loan modification until I " lifted '' my complaint against them I placed with the cfpb ... is this fair? ... im not allowed to seek council from an agency that protects customers..and ask that they supervise whats going on? ... I don't think they are legally allowed to deny me a modification unless I cancel my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report formally. I received my on XX/XX/year> and discovered several inaccuracies reporting to my credit file. This is my SECOND time bringing awareness to your company that my credit file inaccuracies are affecting my mode of living causing massive stress. I Sent a dispute in XXXX of 2024. If I continue to get ignored by your company, I have no choice but to take legal action with my counsel ESQ. XXXX XXXX XXXX. I would like to get this dispute rectified swiftly. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 
2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards. 
3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. 
As per these allegations, I am concerned that the inaccuracies on my consumer report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 
XXXX XXXX Receipt Tracking : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Capital One 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

XXXX XXXX Reported : XX/XX/2020 {$460.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$93.00} XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX/XXXX {$0.00} XXXX XXXX {$0.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Payday loan, title loan, or personal loan

I took a loan out for XXXX over a year ago, with this company online. I made the payments and then they started taking out every week. The amount paid was XXXX per week. I contacted the company and spoke with a representative and advised it needed to stop, I set up fraud with my bank to have them stop. I got a new debit card. Last week I had a hit of over XXXX via ACH to my checking account, which is insane. I have attempted to contact the company but no one will follow up. I can't afford this kind of withdrawal, especially when I reached out to the company and had advised them to stop taking this out. Currently I have opened up another case with my bank. I had made several payments of over XXXX which should have paid in full and then they still take money out. I thought that was stopped and then they do this 6 months later.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number XXXX Charge : {$3100.00} I am writing to dispute an unauthorized account on my credit report due to identity theft. My personal information was used without my authorization to open an account with XXXX XXXX XXXX. I have already disputed this account four times, informing Experian that this account does not belong to me. Despite my requests, I have only received a payment history from XXXX XXXX XXXX, which does not prove that this account belongs to me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive documents related to this account. Therefore, I am requesting that you send me copies of all records related to the account, including but not limited to : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please consider this letter as a formal dispute of the unauthorized account. I request that you thoroughly investigate this matter and remove the fraudulent account from my credit report. Additionally, I would appreciate receiving a detailed explanation of the investigation methods used to verify the legitimacy of this account.