23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Case number XXXX, my home was modified inXX/XX/XXXX through XXXX XXXX XXXX after five years of trying to get a modification. With the help of the attorney general for the state of California, consumer financial protection bureau and veteran affairs, I finally received my modification. When I signed the original paperwork for the modification, I read that my house payment would be {$2800.00} that included taxes and fire insurance through an impound account at 2 % for the life of the loan. Currently my house payment is {$3400.00}. Which is a difference of {$540.00} a month or {$6500.00} a year. I 'm making the same money that I was making in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XXXX. I make roughly {$110000.00} a year. I 'm having trouble making ends meet. <P/>After five years of trying to get my home modified because of the lies that countrywide mortgage told me and then XXXX XXXX XXXX ; trust me, I experience XXXX even while writing this letter asking for help. <P/>My loan was sold to Nationstar mortgage a few months after the modification took place. I contacted nationstar to ask for help and they said they could not do anything for me. The problem is, is that when XXXX XXXX XXXX modified the loan, the state of California demanded that they forgive the second loan on my house because of the fraud. I have since taken out a second to repair the rest of the house and get all the repairs done that needed to be done in XXXX when I bought the house. So now I 'm paying for the second as well. If I were to sell the house now I would lose all the money I put into this house. For example, I paid {$680000.00} for the house. I started the remodel as this was a house that I thought I could afford according to XXXX and XXXX XXXX XXXX. The house had no floors, a working kitchen and only one bathroom that worked. I took out a {$170000.00} to get these issues and the swimming pool fixed as it was leaking a lot of water. All of these issues were documented in my first complaint in XXXX. The houses in this market as of this date XX/XX/XXXX is $ {$860000.00}. As you can see, XXXX plus {$170000.00} equals {$850000.00}. I 'm coming out with {$11000.00}. However I have not included realtors fees or closing cost. I 'm actually losing in excess of {$52000.00} in a house that I have paid for, for 13 years. <P/>Please help me get this house modified as this is the house I would like to stay in for the rest of my life. <P/>Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX  XX/XX/2023
Product: Debt collection

I have not lived in XXXX   since XXXX and yet I find a collection on my credit report of {$350.00} reported in XXXX XXXX clearly my credit history shows I lived in XXXX  from XX/XX/XXXX until XX/XX/XXXX when I bought a house in XXXX  and moved there. someone in XXXX tn however used my identity to get utilities through XXXX and not pay for them. Robinson, Reagan and Young refuse to remove this from my credit history. I am willing to sue them for the damage to my credit score. This entire account was a surprise to me when I did my annual credit report check. I have had stellar credit for over ten years and am very angry with this identity theft.
Product: Credit card or prepaid card

I have had a Lowe 's store card with synchrony bank about 1 year with a {$1000.00} credit line. I have maintained this card in accordance with the terms with no late or any negative use on my part. I have kept a small balance of current {$130.00}. I was shocked to be declined for a small purchase telling me I had only {$5.00} available credit. Upon calling the bank I was told I was notified which I was not. The reason given were unfounded and unfair. Stating my lack of real estate credit and too many account. My account total size are relatively the same as when I aquire this card. This makes the second time this has happened with last year exact situation only on amazon card same bank same untruthful information. I have no late on my credits with any creditors and now with a forced account set to a maximum debt to balance I have been hit with a major credit score reduction of over 45 points just from this unfair practice. I understand that they have the right to make changes but I also have a right to be properly notified and given a choice to pay off and close Pryor to a line reduced to balance and now holding a at limit debt. Even paying off and close now will negative impact for years on for a unjustly aftion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.
Product: Checking or savings account

on XX/XX/2023 I was traveling with my son thru XXXX XXXX CA.I needed some cash I couldn't find a XXXX atm so I use a bank of america atm i made one transacion requesting {$200.00}, the atm dispense the money but I couldnt reach the money and by the time I unbuckle my seatbelt the atm retracted the money, the screen start idling and then it said WAIT and the transacion got cancel, after that I stared another transacion and was able to get money ( XXXX ) but, when I check my XXXX XXXX acct., it was 2 charges of XXXX each.I called XXXX and made a claim Chase refund me the money pending and investigation .XXXX denied the claim and deduct the money from my acct. 
I called Bank of America costumer service and they said that they can't help me. 
I wrote letters to Bank of America corporations and I got the same answer.
Product: Debt collection

The email and Letter attached on the email don't include the the Colorado Fair Debt Collection Practices Act disclosure.
Product: Credit card or prepaid card

The card issuer for Florida Way2Go Program stole my refund. A refund of {$270.00} was credited to my account within 5 business days according to the refund policy at XXXX XXXX XXXX On XX/XX/2021 I ordered a XXXX  or XXXX XXXX  from XXXX XXXX I later canceled that order on XX/XX/2021 and a refund of {$270.00} was credited to my Florida Way2Go card ending in XXXX. The company dba XXXX sent a message to my card issuer for Florida Way2Go Program that a refund of {$270.00} was credited to my account on XX/XX/2021 but that credit is not posted to my account. I was on the phone with Florida Way2Go debit card explaining to them that I had not received the refund within 5 business days but they were not responding, so I decided to file a consumer complaint against Florida Way2Go debit card d/b/a Conduent Corporation. Conduent Corporation asked my to send a copy of my Florida ID Card via email at XXXX with a case # XXXX. Later, my account was blocked after sending them a copy of my Florida ID Card. The persons that I talked to were very Manipulative, so I decided to file a consumer complaint against the persons who were handling my call. The number on the back of my card is XXXX and it says XXXX XXXX is the card issurer but Conduent Corporation is the persons who answers all calls at XXXX. They ask for your entire social security number and your birth date, mailing address, zip codes, etc. They ask for all your personal information which is illegal over the phone. Your not suppose to ask for a consumer social security number over the phone because that is illegal. 

Also, the company told their brothers to kill or murder me in XXXX, Florida. One time, their brother tried to stab me with a knife and was saying " you are scary bro ''.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX - XXXX incorrect address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX incorrect address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It should be known that due to a data breach from XXXX XXXX XXXX  my personal info. Was obtained and attempted to be used for fraudulent intentions. Due to data breach, I was subjected to identity theft where some unknown person tried to apply for credit in my name. As of now no accounts were opened and only hard inquiries are a result from data breach and identity theft. I have contacted most of the companies about the hard inquiries and was told to contact the credit bureaus. The credit bureaus assert to contact the companies. All are passing the buck. A letter from XXXX XXXX XXXX is incorporated as to the data breach. A copy of poli XXXX report is herein included for review. Finally, a identity theft report from the Federal Trade Commission is also included for review. All procedures have been properly followed and the consumer request that all bureaus remove said inquiries due to data breach and identity theft because he did not authorize them and is suffering adverse affects from them. Under federal law, the bureaus are required to remove or block them within 4 days. There are 3 hard inquiries at XXXX. There are 6 hard inquiries at XXXX. Finally, there are 6 hard inquiries at Experian. Only XXXX is to remain with Experian. The consumers full name is XXXX XXXX and his d.o.b. is XX/XX/. The last 4 of his social security number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACT # XXXX XXXXREPORTED 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... 

SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED XXXX ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. 
I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....
Product: Checking or savings account

My money and accounts are frozen in my savings account Im supposed to have {$15000.00} showing XXXX this is not fair their stealing my my hard earned money
Product: Debt collection

Account name
CAPITAL ONE

Account number
XXXX  Date opened : XXXX XXXX XXXX  Balance: XXXX  
THIS ACCOUNT WAS OPENED FRAUDULENT AND SHOULD BE REMOVE FROM MY CREDIT REPORT BY LAW .
PLEASE INVESTIGATE OR DELETE THIS ACCOUNT FROM MY CREDIT REPORT .
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611. Upon reviewing my credit report, I have identified several errors that require your immediate attention.

1. Late Payments : I have noticed that there are late payments reported on my account that are inaccurate, which violates the FCRA Section 623. The accounts in question are listed at the end of this complaint. I have attached documentation showing that these payments were made on time. Therefore, I request that these late payments be removed from my credit report in accordance with FCRA regulations.

2. Inaccuracies in Government Name : Furthermore, I have observed that my government name is inaccurately reported on my credit report. My correct government name should be updated as shown on my official identification documents such as my driver 's license and passport which i have attached to this complaint. Please update your records to reflect my correct name. 

I kindly request that you conduct a thorough investigation into these discrepancies as required by FCRA Section 611 ( a ) ( 1 ) ( A ) and make the necessary corrections to my credit report within the statutory timeframe of 15 days.

Enclosed are copies of relevant documents supporting my claims, including proof of timely payments and identification documents, as required by FCRA Section 611 ( a ) ( 1 ) ( B ).

Please provide me with written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you send me an updated copy of my credit report reflecting the corrections as mandated by FCRA Section 611 ( a ) ( 2 ) ( A ).

Thank you for your prompt attention to this matter and for your compliance with the FCRA regulations. Should you require any further information, please do not hesitate to contact me at the provided address or phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX these items above should be removed from my report immediately.
Product: Mortgage

I have been making payments on my mortgage loan but I was told that those payments were not going towards the balance. I have attempted to get answers but to no avail and now they are trying to foreclose on my home.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and XXXX for failing to properly investigate my complaints and disputes regarding inaccuracies in my credit report. Despite my submissions, I both XXXX and XXXX consistently responded within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of the disputes. Furthermore, XXXX and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure both XXXX and XXXX complies the federal law and provides consumers with the necessary proof of investigation. The following accounts I have reported are : XXXX XXXX XXXX XXXX XXXX  as neither dealerships gave me a deficiency notice yet reported to my credit as that is against the Fair Debt Collection Practices Act ( FDCPA ), recent credit pulls for inquiries about car loans, and loans from school as they shouldnt be sent to any collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from family support division on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully metro 2 compliant and current, true, correct.completely timely, mine, of my responsibility or else  mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.
Product: Credit reporting or other personal consumer reports

This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This was the inaccurate account that I want them to correct : XXXX XXXX XXXX XXXXXXXX Balance : {$7000.00}.
Product: Checking or savings account

On XX/XX/XXXX Wells Fargo contacted me regarding suspicious activity on a secondary account, while I was out of the country. I advised WFB that the card was not in my possession, and instructed WFB to cancel the card, deny the charges and I would investigate once I returned to the USA.

Upon my return it was determined the card was stolen ( possibly by the babysitter or her boyfriend ) and had been used multiple times while I was out of the country.

Upon examination of the charges and the time periods and history involved, and having reviewed this information with my branch and the police department I could identity 27 transactions with 100 % positive accuracy and 17 other transactions with 30 % accuracy. a result I am willing to accept the financial loss for the 17 transactions I am not 100 % positive about, however I have been victimized by criminal fraud and theft in the amount of {$2200.00} I filed a police report and identified the 27 unauthorized charges. WFB refused to refund {$2200.00} despite the photos of the suspect, because I failed to identify all charges, despite the photos of the suspect clearly not being me.

next time WFB stated the reason for the denial was due to no pin attempts. And the next time, due to no attempted usage after fraud reported.

I have provided evidence filed the correct police reports, and responded to all reasons for denial. WFB has denied my claim based on reasons to deny the claim, and not the merits of the case. As a result I have suffered a financial loss of {$2200.00} WFB implied recent action taken by this office ( CFPB ) has required the bank to deny my claim because they been fined XXXX XXXX dollars.

I have appealed the claim denial to the Board of Directors. I have retained counsel and intent to sue if the complaint is not resolved by crediting my account for the amount of the theft {$2200.00} on or before Friday XX/XX/XXXX, and intend to hold a press conference to seek Class Action participants with a XXXX XXXX on Friday XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Vehicle loan or lease

Dealership did financing through Chase -There are no chase branches in my area I am trying to payoff loan and they will not let me on the phone. Tell me I need to go to branch. The are trying to extort interest charges.
Product: Credit card or prepaid card

I have had a horrible experience becoming a Chase XXXX XXXX " Infinite '' holder. For nearly {$600.00} a year annual fee, the service thus far has been indifferent at best. 

I got the card XX/XX/XXXX for the purposes of making a {$15000.00} upcoming moving purchase plus booking a flight on XX/XX/XXXX. I was notified after suffering a hard hit that Chase does not offer virtual card numbers at all - something that is unacceptable to me and NOT common in the credit card industry. There are no security threats with this practice because my XXXX card is connected to my XXXX XXXX plus which has my TSA Pre check! 

After spending an hour with phone agents, I still do not have my card information and the price of the flight has gone from {$230.00} one way pp to {$510.00} on way pp. The whole reason I got the card was to save money, not lose money, on flights.