23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX  at a local branch that my Account had been skimmed while I was out of town. Unfortunately they still charged me for the transactions. I was recently declared a victim of identity theft because my information had already been compromised. I love trumark but I do feel that they mishandled my checking account by charging me for item I did not purchase as well as fees associated with this occurrence. I previously hadn't has any issues until this recent incident occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit report is showing that 2 Capital one charge offs i have paid off was Illegally reporting monthly on my credit report, as this is a violation of the FCRA. Charge offs were not supposed to be reporting monthly. Please delete charge off accounts from credit reports as this is illegal or i will seek an attorney for damages.
Product: Credit card

I unintentionally left {$72.00} unpaid on my XXXX bill. On the XXXX bill, I paid {$180.00} extra, which covered my purchases and the unpaid balance, and was more than the amount described by Chase as " XXXX this by your due date each month to avoid interest on next statement 's purchases. '' On my XXXX bill, I was charged {$25.00}, even though my {$180.00} payment was received 5 days before the due date. The representative explained that all of my purchases after the XXXX bill were subject to an interest charge because of the {$72.00} balance, even though my payment was early and covered the unpaid balance. 
This was a Chase XXXX XXXX XXXX. Their " XXXX XXXX XXXX '' is misleading. T hey calculate interest daily on unpaid balances, PLUS all subsequent purchases. It's usury.
Product: Debt collection

THEY ARE REPORTING ON MY CREDIT REPORT HOWEVER, I WAS NEVER NOTIFIED OF THIS DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I noticeXXXX XXXX XXXX on my credit report for fraudulent amount XXXX I have called XXXX XXXX XXXX with no resolution.
Product: Checking or savings account

BBVA is giving me the run around over closing a CD that recently matured. I have been on the phone for hours and all they do is keep transferring me. I have been told I would have to go to a branch and there are no branches in my state or any neighboring states. It was opened online. They are refusing to close my account at this point and it is over {$100000.00}. Please help, I am desperate for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my report that I did not give written content to access my credit report. This is a violation of 15 usc 1681b, 15 usc 1692e, 15 usc 1692c, 15 usc 1692d and constitutes identity theft under 18 USC 1028. Remove all accounts from my credit report XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXXXXXX XXXX
Product: Credit card

Paid my XXXX credit card bill, check was received and damaged when opened by Citi bank. They returned the check with the original submitted payment statement, undamaged with a letter dated XX/XX/XXXX. I received on XX/XX/XXXX and reissued a check in the amount due {$2500.00} sent by mail that day. Additionally I called the customer service number and spoke with a representative who assured me I would not be charged a late fee or interest on this amount. I received my XXXX statement on XX/XX/XXXX which included {$30.00} late fee and {$97.00} interest charge along with the {$2500.00} still owed and the new charges. Today my credit card was suspended and non usable. I have called and spoken with a supervisor who guarantees that we waived by late fee of {$30.00} and the interest charge of {$97.00} but required that I make a payment over the phone using my bank account information ( which I am NOT comfortable doing ) for the minimum required {$41.00} in order to activate my card. 

How is Citi bank allowed to hold me responsible financially for their mistake!!!
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION ON MY CREDIT REPORT IS NOT CORRECT. I DONT UNDERSTAND WHY YOU PUT THIS INFORMATION ON MY ACCOUNT. I DIDNT APPLY FOR ANYTHING. I BELIEVE SOMEONE USED MY PERSONAT INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Back in XXXX of XXXX Midland credit management contracted my sister in law and provided her with all my husbands so called debt. They called her repeatedly and left a message stating that her number was associated with this debt. She returned phone call and just by saying she was XXXX wife they proceeded to give her information on a debt that had not been validated by XXXX or XXXX I called them at that time and told them thank you very much for ruining any dignity we had left. My husband has XXXX XXXX had a XXXX the previous year. XXXX now receives XXXX so I am trying to verify and pay any previous debts as we had no income from him for almost 2 years. So I contacted MCM on XX/XX/XXXX. I explained I wanted to validate this debt first and was only told at the end of the conversation I could log in and see it. However when I did I couldnt get the information to open. Between the beginning and end of conversation I explained what I could afford and they said no but if I set up payments it would put me in pay status. I then said what happens when I cant afford that. I was told they would work with me in those areas. I said I wanted it in writing. XXXX gets on phone as says nope we wont send you that. But this is a XXXX time deal for XXXX which is ridiculous as they pay pennies on the dollar. I was informed during conversation if it goes to legal they could garnish wages, lean on my house and my bank account. I continued to inform them XXXX only receives XXXX and a pension through work which both they cant put a judgment against. They have called numerous people, gave out private information, threatened me with what they can do as they put it and not disclosed what I asked for. XXXX trying to work with these people and they are beyond helpful. They also said all conversations are recorded and have talked to me numerous times. I said absolutely not so who else are they calling and giving my husbands information to?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, initiated settlement on a equity loan account ( House in lien for this account was foreclosed on XXXX ) with XXXX XXXX thru XXXX loss and mitigation ( LM ). 
As of XX/XX/XXXX, all application and documents were filed. It was confirmed by LM and confirmed that the account will be stopped and closed. 
As of XX/XX/XXXX, settlement offer was received from XXXX. All payment was made as of XX/XX/XXXX and on XX/XX/XXXX, received official letter from bank on receipt of payment and settlement in full with bank ( document available ). 

However, on my credit report from all three credit bureaus were showing as from XXXX XXXX to XXXX. XXXX as " Late PaymenXXXX '' and from XXXX to XX/XX/XXXX as " Charge Off ''. 

I tried first to talk to bank on this wrong credit report, but they would just keep transferring me to different departments, not willing to work with me. 

Then, I filed dispute this first thru XXXX and XXXX corrected all these incorrect information after reviewing my dispute and filed documents. 
Afterwards, I filed dispute with Experian, but Experian agent is saying even though all information is clearly showing it was incorrect, they need to keep it because that is what the bank says it is. I haven't received any results from XXXX, yet.
Product: Checking or savings account

Item purchased on Amazon on XX/XX/2023, electronic part for a total of {$380.00}. 

Amazon claims items was delivered on XX/XX/XXXX and left in my mailbox. 

Upon inspection, item was not delivered. Local XXXX does not have it either. 

Contacting Amazon provided me a representative which told me the item says delivered so nothing can be done.

Amazon has not investigated or provided a resolution.
Product: Credit card or prepaid card

Someone created a fake XXXX account using my name, address, and credit card number and made a purchase on XXXX for two items that were supposedly shipped and delivered to my address. When I saw the charge of {$120.00} on my credit card and couldn't locate an order in this amount on my husbands XXXX account, I knew right away it was fraudulent. I called Barclay 's Bank immediately to dispute the charge and request a new card. They issued a provisional refund for the amount listed above while they completed their own internal investigation. 

I received a letter dated XXXX that said they had completed the investigation and were able to determine the charge was indeed valid and they would reinstate the amount to my card. When I called them today ( XXXX ) they told me they have received documentation from XXXX showing that it was a valid purchase on an account with my name and address listed for that amount. I asked if they could send this information to me and I was told no. I was told by XXXX at Barclay card that I'd need to call XXXX to resolve. 

I called XXXX and spent 2+ hours on the phone and spoke to 5 different people. First person wasn't able to verify the account because my phone number didn't match. Clue number one that this was a fraudulent account. I was then passed between other folks and the final person XXXX basically told me I needed to call my bank back to request a new card. I explained I had already done this. And then miraculously they couldn't find my account. 

I am out {$120.00} and have no products or anything. I have never had an XXXX account under my name or address. And now I am getting emails from XXXX telling me they can't find the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a legal name change over two years ago, on XX/XX/XXXX. Shortly after, I updated my bank and XXXX credit card to use the new name. These were my only accounts at the time. Despite this, my XXXX credit card has not reported to my credit report for over two years. I have constantly tried to get this fixed. I have called XXXX and Experian countless times. I have mailed in a letter to XXXX authorizing them to fix the issue three times. I've made a previous CFPB complaint in XXXX, XXXX. After the latest round of calling XXXX I was told its out of their hands and future attempts to fix this would need to be directed at Experian. After three times of calling them, I was told there was a duplicate credit file under my deadname. Naturally, I asked them to fix it. This is already absurd, all my financial accounts have been under my current name for multiple years. In the several disputes I've made with Experian to fix this issue, every time the dispute fails to show information online, instead directing me to call their hotline, but luckily I found a workaround, something I shouldn't have to do, but by printing my dispute online, I'm able to view Experian 's comments and next steps. Now, I'm asked to provide information regarding my identity and name change, something I've already done before, but I did so again. This process took over 5 tries, as every time I tried to fill out the document upload form, it would time out and make me start over from scratch. I was unable to use my bank statement from my bank in the document upload as despite being less than XXXX, well under the XXXX limit, the site would not accept it no matter what, even though it is a PDF, which is what the site takes. All in all, Experian has handled this abyssmally on all accounts and I have no faith in their ability to ever get this resolved.
Product: Consumer Loan

My auto loan is through GM Financial, payments are due on the XXXX of the month. I pay my payments online, when I went to make a payment on XXXX XXXX 2016, the system showed that I had a past due amount. All payments were made to date and the only payment due is for XXXX XXXX 2016. I had to make a double payment when nothing was past due. In a " chat '' conversion with XXXX, it was stated that the system shows past due on the due date. This is very wrong. I have not budgeted for a double payment. Their only resolution was to cancel my payment and repay. However now it is the XXXX and I would be past due, the system still shows past due due to the payment not processing yet, and i now would be making a late payment. 
I want them to refund the over payment after it has processed AND they need to " Fix '' their system to not show a payment is past due until the day after the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was not removed on Credit Profile.
Product: Debt collection

We have been receiving phone calls on our land line from XXXX for more than 1 year on our land line. The number calling is XXXX XXXX. They called 3 times today starting around XXXX. We are elderly and my wife has XXXX Can we sue them in small claims court to receive damages for aggravation? We need this to stop. We have a credit rating well over XXXX and are up to date on all debt payments.
Product: Mortgage

My husband and I recently signed a loan modification agreement with Nationstar. In the agreement, our new payment effective XX/XX/2016 is to be {$2200.00}. I accessed Nationstar online this morning to make my first payment -- and was shocked and extremely disconcerted to learn that the payment was changed to {$2300.00}. We contacted Nationstar to ascertain the reason for the increase. We were summarily informed the an escrow analysis had been conducted -- SUSPICIOUSLY AFTER we signed the loan agreement -- and due to said -- our payment increased. We asked why had this information not been disclosed to us -- as this " escrow analysis/increase had been done unbeknownst to us. We stated that had we known that the new payment was not going to be what we agreed to ( and are in possesion of the signed documents to this effect ) then we would never have signed the loan. We were condescendingly informed that the stipulations for payment increases are reflected tin the documents that we signed -- and we should have " looked closer ''. Nationstar is guilty of false representation. They presented us with a new payment on our loan effective XX/XX/2016 -- and changed the payment, based ostensibly on wording that is buried, and written in a stealthy manner in the loan agreement. In addtion, an arbitrary " escrow analysis '' was done to increase our payment -- even before the first payment was due -- which was not disclosed to us, nor did we sign for. The games that Nationstar is playing with our mortgage is against banking laws..and the fact that they apparently will not honor the payment that they presented in the loan agreement -- and we agreed to, and are in possesion of the documentaion to this effect -- is analagous to a breech of contract. 

Nationstar continues to earn its " XXXX '' rating with the XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/2022 Amount : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX. 
XXXX XXXX Account # XXXX. 
The XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to request your help. My rights as a consumer are not being respected. I try to solve this issue with Wells Fargo in the past but they keep on reporting a fraudulent item to the credit bureaus. The account I am talking about is the following : WELLS FARGO DEALER SVC # XXXX. Date Opened XX/XX/XXXX. Original Balance { {$11000.00} XXXX. Status : closed. Wells Fargo received a letter from me back on XX/XX/XXXX ; in which I requested the fraudulent account that is a consequence of FRAUDULENT CHARGES to be Deleted from all credit bureaus. They did not send me any notice and they are still reporting the item. They are committing multiple violations to the FCRA : negligence, unfair business practices, breach of contract, incorrect credit reporting. This situation is affecting my mental health in a huge way and my ability to obtain credit. I am demanding a deletion letter from Wells Fargo so the fraudulent car loan on my Credit profile accounts get Deleted from my credit reports and Profiles. If Wells Fargo fails to provide the deletion letter, I will not hesitate and will file a lawsuit. I am sure that once I speak to my attorneys ; the list of violations will go up. Attached letter sent to WF, which they ignored.
Product: Credit reporting or other personal consumer reports

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

I would believe Citibank has applied the wrong promotion to my account with them. I honestly would have assumed it was my mistake if not for the fact I never set a reminder, and the agent I spoke to had a mini XXXX XXXX when asked, admitted Citibank was not in possession of the agreement, and then lied about finding and emailing it to me before rushing me off the phone. Normally, this is something I would be happy to call back to get straightened out, except the XXXX representatives who have been stealing from various other accounts refused to help me gain access to this one. Those would be the same agents the Citibank representative suggested I go to for the agreement. I've been having a somewhat negative experience with the customer service of retailers and banks as of late, which the CFPB is very aware of. They are also sending a replacement card for the original that never arrived, I assume via XXXX, which means it still will not arrive.
Product: Vehicle loan or lease

ok i have this account number with HMF " XXXX " last year i moved from XXXX to XXXX  HMF sent the title from XXXX  to XXXX  to complete the state transfer at the DMV however the title got lost in the mail according to this tracking from XXXX XXXX since XX/XX/22 and nobody did his job by confirming if anybody received this title complete mess, couple of weeks ago i got letter from the XXXX in XXXX  saying that they put a hold on XXXX  title because they didn't receive XXXX  title, i called the customer service tons of times and i honestly felt like it was a mistake going with this institution i could've financed with my bank at least when i call the customer service i will find someone who speaks XXXX, majority of the agents i spoke to should be fired for not even understanding the language of the country they serve and the rest who speaks XXXX they gave me different story eveytime literally different story everytime i call " oh we sent it already and its on the mail '', " oh we escalated it to the title dept and you should hear within whatever '', " oh we sent a request to the XXXX to request a duplicate title '' XXXX XXXX XXXX XXXX XXXX without any resolution in the horizon This is my last resort before taking a legal action