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

I have been advised by IRS that identity theft had occurred using my social and personal information.

I demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above.

Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pls Remove Inquiries 15 U.S. Code 1602 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX Inquiries Made 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 , as well as all inquiries listed
Product: Mortgage

I was benefiting from a program called the bi-weekly mortgage program with my previous servicer AmeriHome Mortgage from XXXX until XXXX. The main benefit is to cut short my repayment plan so I can own my home sooner, saving me in interest. My loan was sold and transferred to XXXX XXXX I believe at the end of XXXX. Because my loan was sold to XXXX XXXX, my participation in the bi-weely mortgage program was disrupted and I was unaware and was not notified that I was no longer in it. I called customer service and they told me that I could continue in the program but I would need to submit additional paperwork in the mail. I never received the paperwork to do so. Now as of XX/XX/XXXX, my loan was sold and transferred to PHH Mortgage. I called them and asked if they had such a bi-weely mortgage program. They said they no longer offered it and was discontinued some time ago. 

My issue is that people such as myself who were benefiting from the bi-weekly mortgage program, have suddenly lost this benefit through no fault of their own because the investor decided it was best for them to repackage others ' and my loan to be sold of to another servicer. Is it fair that I can no longer benefit from a program I was in because some anonymous investor without consent decides to transfer my loan to another servicer who doesn't provide the same level of service? 

I am asking you for guidance if their is something in the law or directive to rectify the matter? Thank you.
Product: Credit card

I have been contacting Capitol One for almost two weeks now. I initially called on XX/XX/XXXX to find out how much my payoff was. I was given XXXX XXXX plus dollars as my payoff amount, so I decided to pay off my account on XX/XX/XXXX. To my knowledge, if I pay off my balance before my billing cycle ends that I would not accrue any interest. My billing cycle ends on the XXXX of each month, so how am I responsible the interest? My balance was XXXX as of XX/XX/XXXX. All of a sudden, I view my account and saw that I had an outstanding interest of {$18.00} after I paid my balance off on XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX Last four of SSN : XXXX Last month, I missed a phone call from an agent at capital one, they left a voicemail requesting for me to call back. I was concerned at why they would be calling so I checked my account to see what was going on with it and realized my account had been restricted. I contacted customer service immediately to rectify the situation and was advised that I needed to send copies of my i.d . front and back as well a signed copy of my social security card. The first manager that I spoke with advised that if I uploaded my documents that day that I could call back and ask for a manager for them to do a live review and to release the restriction. When I called back, I was advised that they would not do a live review for me and that I would have to wait 7-10 business days. I patiently waited and never heard back from anyone. I called  again asking for the restriction to be lifted and was advised that they would not do so until they have received copies of i.d . and ssc for every authorized user on my account. I let the representatives know that they could simply just remove the authorized users from my account as I have contacted them and they were not comfortable in doing so and legally, they do not have to provide me such information as that is their personal vital information and they are not legally responsible for the account. To date, Capital One has not given me any formal reason to why my account is restricted. I have had this account with them for a year and would like to continue to utilize my account. I have done my end of cooperation but I can not provide them anyone else 's vital information without their consent. My account is still restricted and it is unjust.
Product: Credit reporting

COLLECTIONS Opened XX/XX/2015 {$300.00} that collection is not mine and was deleted on XXXX and XXXX but Equifax still posting on my credit report I had a phone conversation with Equifax customer service and they toldme will investigate but I did n't receive any information
Product: Mortgage

There are two problems concerning  Loan Care LLC .   First When I applied for this mortgage I was never asked if I had a job. At that time I did not have a job I was on unemployment. My thought was if they would give me a loan I would some time to find a new job and continue my payments. I did not find a job. The whole process was really a strange experience. The lady that came to do the mortgage came at  XXXX  at night, and did not get done until around midnite. Plus she did not seem to know what she was doing. Since it so late she could not call her office to ask questions.   Secondly, I have been trying to g et Loan Care to  clear my credit report from the reporting agencies since  XXXX  of   XXXX  , and I just get a runaround. They admit that it is past the time to take it off the credit bureaus. I think  Loan Care may h ave done things during my application process that were not to the rules.
Product: Bank account or service

I have a checking and visa account with WellsFargo. 
My payment to the visa account is an auto payment for {$400.00} a month sent out on the due date of the XXXX of each month. Due to the bank being closed on a holiday, rather than the bank pulling out the monies prior to the date, they assed me a {$27.00} late fee. I complaind and it was returned. I contacted them to fix it so no late payment is ever assessed moving forward and they wont. I 've tried to do it on my own in the past and ended up messing up my payment schedule. I 'm banking with them and they will not fix it as I have requested. If they do this times multiple people they are making a bundle on something that could be fixed digitally without ever creating a late fee.
Product: Credit reporting or other personal consumer reports

I am writing to dispute four inquiries on my Equifax credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows : 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 I have no knowledge of authorizing or applying for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Equifax take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Equifax credit report.
Product: Mortgage

I have been with Wells Fargo Home Mortgage since XXXX and during that time from XXXX until today my escrow shortage has raised significantly making it harder to pay my mortgage, I have reached out several times to refinance or modify my terms and have I been repeatedly told that I don't qualify and have been charged high fees to even start the process even though I only owe XXXX on my loan my wife and I are on limited income with no recourse but to let our home get foreclosed on, my age is XXXX and my wife is XXXX.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of XXXX XXXX and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/year> XX/XX/year> XX/XX/year> I sent several goodwill adjustment letters for late payment removals. 

Dear, XXXX XXXX XXXX  I am writing to inform you about Section 602 of the Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681. This section addresses the permissible purposes for which consumer reporting agencies may furnish consumer reports.

Under Section 602, consumer reporting agencies are only allowed to provide consumer reports to entities that have a legitimate business need for the information. These permissible purposes include evaluating a consumer 's creditworthiness, making decisions regarding credit or insurance applications, and conducting employment background checks.

In addition, I would like to draw your attention to Section 605b of the Fair Credit Reporting Act, which requires consumer reporting agencies to provide consumers with a summary of their rights under the law. This summary must be included with any adverse action notice or when a consumer requests their credit report. 

If you have any questions or concerns about how your credit information is being accessed or used under Section 602 or Section 605b of the Fair Credit Reporting Act, please feel free to contact me for further assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Repeated calls from this number and they ask for XXXX XXXX once I acknowledge who I am they wanted to talk about the debt with out reading the XXXX XXXX. They then hung on me when I asked to speak to a supervisor and I when called the number back and they would give me the fax number to have my bankruptcy attorney call them to place a cease desist to stop the calls. 

They need to send this is true debt I need validation from the original creditor. The debt collector need to contact the original creditor and send documentation of the debt. And no more calls to my number. They also need to read the XXXX XXXX before they start to try speak about case specific that a debt has been placed in their office. 

This is the 2nd time I have to file a complaint this company.
Product: Credit card or prepaid card

I called Rewards Customer Service representative from Wells Fargo and she could n't help me redeeming all credit I earned during the time my card was opened. This card was closed due to Wells Fargo, they said my checking account was n't on good standing so they decided to close my credit card as well. I spent money on that card trying to earn rewards so I could redeem them to my account humbly and in accordance with their agreement. I did n't close my card, they did. They do n't want to reopen it for a few days, at least with any kind of restrictions, so I can redeem my cash back I earned with so much effort. They 're currently holding a reward for the amount of {$23.00} and around {$3.00} dollars on pending transactions they had been changing the redeemable date. I think I earned this money in accordance of their credit card agreement and I am legitimately in the right to claim this money. I want this money redeemed on my credit card because I deserved it for the hard work on earning it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX XXXX is reporting this account as a " Legally paid in full for less than the full balance '', which should not be any derogatory mark. I paid this account in full, then requested the account to be closed when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, but XXXX  XXXX failed to notify me of the account 'NOT '' being closed. The XXXX XXXX sales representative sales manager stated my account was at a XXXX balance and my account was closed, in XXXX XXXX XXXX before my planned XXXX, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the XXXX XXXX. I have disputed this account numerous times within the past 3 years and I have not received any instrument of indebtedness, contracts with my signatures, or statements of agreement. This company has continuously violated my consumer rights with incorrect account reporting and negligent account reporting. Please update this account to " paid '' and remove all associated late payments or delete the account in its ' entirety.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding a serious violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits conduct that harasses, oppresses, or abuses any person in connection with debt collection. An unknown third-party collection agency has reported an alleged debt from 2019 on my credit file, despite this debt having been previously disputed and removed. This action not only violates the FDCPA by harming my reputation, but also potentially infringes upon the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information. The reappearance of this removed debt suggests a failure to conduct proper investigations as required by the FCRA. Furthermore, I have no contract with this third-party agency, raising concerns about the legitimacy of their collection attempts. This situation may extend beyond mere regulatory violations into more serious territory. The coordinated effort to repeatedly report a removed debt could be indicative of a conspiracy to violate consumer protection laws. The attempt to collect on a debt with no legitimate claim, while damaging my credit report, may constitute a form of financial extortion. Additionally, the mishandling of my personal and financial information in this manner raises significant concerns about privacy violations and potential identity theft. I assert that these actions collectively represent a concerted effort to harass and coerce payment through improper means, causing undue harm to my financial standing and reputation. I demand an immediate investigation into these practices, the removal of this inaccurate information from my credit report, and cessation of all collection activities related to this alleged debt. I reserve the right to pursue all available legal remedies, including statutory damages under the FDCPA, actual damages for harm to my credit score and reputation, and any other applicable remedies under consumer protection and criminal laws.
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 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: Checking or savings account

We are consistently being charged with overdraft fees, even when there are deposits being made to the account before the overdraft fees can be assessed to our account. This has been happening for years, and when we ask for waivers of the fees because of this matter we get told that we are only allowed one waiver for the year, which is absolutely ridiculous to me, cause no other bank we bank with does that but Chase Bank. This has been a problem for us for years since we have had this account and I'm tired of trying t deal with it, with Chase directly.
Product: Checking or savings account

Received a call from XXXX XXXX XXXX, stating they were Wells Fargo. This is not a Wells Fargo number and did not have the correct account information. This is a scam.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-daXXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be deleted XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times throughout the last two calendar years I have attempted to dispute the reporting through multiple credit bureaus Experian, XXXX XXXX, and XXXX, but to no avail there is three duplicate recordings of a closed account that shows negatively as having multiple late payment days from XXXX XXXX XXXX XXXX but the instance was only one time and has since been deleted and paid in full and on time, but I have had multiple accounts with them so the instant shows in a unique way
Product: Credit card or prepaid card

Several months ago I made a purchase using my Apple credit card from XXXX for 2 10tb hard drives. XXXX  send 2 cheap hard drive cases instead of hard drives. I initiated a complaint and request for a refund from XXXX and when they were unresponsive, I placed the charge for {$110.00} in dispute with Goldman Sachs the issuer of the Apple credit card. 

1 week ago they sent a request for more information via email and provided a 7 day deadline to send more information. I had not seen the email request and today they denied the chargeback for the fraudulent charge. 

XXXX has the known reputation for sending inferior merchandise and in this case, they didnt even bother to send merely inferior merchandise, they sent some entirely different than the described product. This is the situation that anyone would expect the credit card company to protect their customer. 

I have included pictures of the listed item vs. what I was sent.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX