23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Therer was and local charges on my card over 5 days. My card was taken from my house by a person i dated without my knowledge He is now in jail for fraud and burglary facing30 years plus his sentence of XXXX yrs he just got. When i seen the charges i confronted him in XXXX. he said, oh i used the wrong card i must of taken yours by mistake i will pay you. somehow the card was also used im sure with his doing or the sketchy sites he would go on for international fees. He was a con man with a record about XXXX pages long on CCAP that i found out later. He has frauded and scammed many people. his name is XXXX XXXX from XXXX. He stole money and jewelry from me and my child. I went to the cops and go figure they said they cant help. 

I tried to contact these companies and they were either unknown or couldn't be found or the number listed is not a number, bottom line they were fraud companies that billed my card. I went to capitol one about 5 times and filed disputes and they turned me down because the time frame after the charges were made. it was only 7-8 months when i went back over all my bills and called them. they were no help to me even though the charges were very known to be fraud from the international company. He stole about XXXX from me in total. 

the charges showed up on my XX/XX/2022 statement. the charges were from XXXX. i contacted them in XXXX 2022. I pointed out that the charges were fraud from overseas and they said i need to pay and too bad. Because of frustrating circumstances that he put my finances in, and because of no help from police or the fraud department at Capitol one i was made to pay these charges or they would put me in collections and possible sue me. I ended up getting a second job busting my XXXX off to pay these bills. working XXXX hrs a week. 
I talked to another person who was scammed my him over XXXX dollars. she also had no help from cards or the police. she said to file this complaint and hopefully i can get some help to resolve these charges. thank you for help in this matter. I appreciate any help. 


XX/XX/XXXX XX/XX/XXXX XXXX {$530.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX XX/XX/XXXX XXXX {$530.00} {$460.00} XX/XX/XXXX XX/XX/XXXX XXXX {$26.00} XX/XX/XXXX XX/XX/XXXX XXXX & XXXX XXXX {$93.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$690.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX {$31.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XX/XX/XXXX XXXX {$660.00}
Product: Student loan

Back in XXXX 2016 to XXXX 2016, I was having trouble paying back my loans at the amount set forth. I was making under poverty wage and had a dependent. They told me that the only option would be forbearance, and that I would have to keep calling every 3 months to do it. I requested to speak to a manager, and after multiple dropped phone calls saying that there was no other options, and that they do not lower interest or payments, they finally put me through to a manager. They set me up on a plan that lowers my monthly payment by {$100.00}. What I did not know was they increased my repayment time by 8 years and increased my interest rate. After it being 18 months, my auto payments dropped, so I found all this out by going in to the website and discovering how high my interest rate was, and that my plan had not extended by the 3 years I thought ( to make it an 8 year loan ), but actually increased 8 years. After reading, and experiencing from XXXX XXXX, how they decreased my interest rate to make my loans affordable, I believe that XXXX was untruthful and has caused me to pay way more, when they should have had options like XXXX or XXXX  ( which I have loans through both ). I am able now to make more then my loan payment, but am looking at all the money I feel like they tricked me out of money through false statements and pushing me into the 'only option they have ' for repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX I saw some hard inquiries that did not have permissiblXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis inquiry has no permissibleThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b
Product: Debt collection

On XX/XX/year> and XX/XX/year> I requested information about account number XXXX from PORTFOLIO RECOVERY ASSOCIATES regarding validation and or verification of this alleged debt PRA claims is owed to PRA... Please forward XXXXPURCHASE agreement between you and the original creditor XXXXbill of sale XXXXassignment contact between PRA and the original creditor XXXXproof that PRA owns this alleged debt I have received no proof of ownership or that this alleged debt is legitimate. In a federal government settlement : PRA has agreed to stop illegal debt collection practices including Resonding to disputes about a debt or providing original documentation. Per the CFPB...
Product: Credit card

I received a synchrony bank XXXX card in the mail. I never activated it. I have XXXX XXXX accounts which I have paid from my bank account including XXXX XXXX the period when synchrony said i owed them XXXX plus fines for non payment I never activated the card or used it. My two XXXX accounts have been paid from my bank account The harassing phone calls and emails need to stop. They are insistent that I owe them {$160.00}
Product: Mortgage

I, XXXX XXXX have tried many times to work with the bank to get a loanModification but they always declined the case with no reason sometimesThey said is because there were incomplete documents when I have theProof of the fax confirmation that I send & they have received the docs. 
At this time I need your help there is a sale date on my property tomorrowXXXXXX/XX/XXXX. Please at this time I just requesting more time so they can continue reviewing my case ( I submitted an updated package since XX/XX/XXXX. ) Last time that I spoke with them & request updated docs was onXXXX XX/XX/XXXX & were send the same day. When I call back on XX/XX/XXXX find out the status they said there is not enough time to review the filebecause they need at least XXXX days, when my file has been under review & requesting documents since XXXX, thru XXXX. 
According to article that you posted on XXXX XXXX, XXXXThis bank Specialized Loan Servicing , LLC Is doing the same thing on myMy case. 
Closed borrower applications due to its own excessive delays : XXXX took excessive time to review loss mitigation applications, often causing application documents to expire. To move its backlog, XXXX would close applications due to expired documents, even though the documents had expired because of XXXX delay. 
Delayed approving or denying borrower applications : Under the new CFPB mortgage servicing rules, XXXX must evaluate a complete loss mitigation application within XXXX days, if it receives the complete application more than XXXX days before a foreclosure sale. XXXX also failed to adhere to these timelines. 
Failed to alert borrowers about incomplete applications : XXXX is responsible for reviewing borrowers ' initial loss mitigation applications to determine what documents are missing. It must then tell borrowers what documents are missing, usually by sending a " missing document '' letter. XXXX failed to send, or delayed sending, missing document letters to borrowers. 
Miscalculated incomes : Eligibility for some loss mitigation programs, such as a loan modification, is highly dependent on borrower income. If borrowers have too much or too little income, they do not qualify. XXXX routinely miscalculated borrower income and wrongfully denied loan modifications. 
Denied applications for unspecified reasons : Under the CFPB 's new rules, mortgage servicers must provide the specific reason a complete loan modification application is rejected. XXXX policy was to say only " not approved for loss mitigation options by the investor/owner of the loan, '' even though XXXX internal systems contained the true reason for the denial. 
Misinformed borrowers about their appeal rights : Under the CFPB 's new rules, XXXX must provide certain borrowers the right to appeal the denial of a loan modification. But XXXX failed to provide this notice, and it wrongly stated that borrowers have an appeal right only if they reside in certain states. 
Please I need your help I do n't want to lose my house I have no place to go with my children and wife. 
Thank you. 
I really appreciate your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Fortiva Credit Card ] : Thank you for making your XXXX payment to Fortiva Credit Card. Your payment confirmation code is : XXXX Payments received on weekends, holidays or after XXXX XXXX  will be applied the next business day. 

Your payment will be drafted and posted on XX/XX/2022. I paid this bill they told me they would fix it i told them. that i had all the information now i am getting charge late fees and they will not fix it, I have been paying them on line and never had a problem till now please help me here I do not know what else to do
Product: Credit card

Hilton ( one of your cobrand partners on a credit card ) deceptively overcharged me - I am seeking your help in trying to obtain the appropriate credit from Hilton who deceptively overchargred me, then totally dropped the ball in their ( alleged ) attempts to work with me on my complaint. Their actions should NOT reflect the level of service that you are OK with in a cobrand partner. Thank you for your help!
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX, and I am writing this complaint regarding my Hilton Honors American Express Surpass Card. I received an advertisement ( with a specific code ) in the mail to submit an application to potentially earn XXXX bonus points and a free night reward if I spent {$2000.00} in purchases in the first three months. The annual fee is {$95.00}. I applied for the card on XX/XX/XXXX and was approved the same day for {$1000.00}. I reached out to customer service on XX/XX/XXXX at XXXX XXXX  Eastern time to discuss why I received a low credit limit, how I was supposed to use it for hotel stays, and how I could acquire the advertised awards. The representative indicated I could spend a certain amount monthly, pay it off and keep repeating for XXXX months. I told him there was no way I would have applied or wasted a credit inquiry for the {$1000.00} ( - {$95.00} annual fee ) that is charged the first month of the account. I can not use this credit card to secure a hotel ( I planned to use it for a trip to XXXX XXXX ) for XXXX XXXX weekend. The purpose of the card is to acquire points at Hilton Hotels. After waiting 20 minutes for a supervisor, I was told a XXXX would call me back. It has been over XXXX hours, no call. I am disappointed in American Express as I have no issues with three other credit cards with the company. I believe this was a false advertisement to have individuals apply and pay a hefty annual fee but be unable to use the card.
Product: Mortgage

I submitted a loss mitigation packet on XX/XX/2021. I called multiple times after the submission for an update and was constantly told the my application was being reviewed. On XX/XX/2021 I was told that my application was not available for viewing by XXXX  and that I needed to resubmit another application. I have called multiple times for an update and a supervisor was supposed to check in with me weekly to provide a status update. I am still being told that it is under review. Today is XX/XX/2021 and no update has been given and I have not been offered any options for loss mitigation.
Product: Credit card or prepaid card

On XXXX - 2021 I went into the branch at Boeing Federal credit Union in XXXX Washington I opened a personal checking and savings account along with a credit card which I was approved for in the amount of {$27000.00}. When the card arrived I tried to activate it however I wasnt able. I called in and tried to speak to a representative Who was very rude and very abrasive.And she ultimately wanted to know my race which I dont understand how that please as a criteria for my approval or my relationship with the bank. They asked me to submit in documents which I did .First they told me it would take 24 hours then they told me it would take five business days then they told me it would take seven business days and I keep getting the runaround from these representatives at this institution which is very unprofessional to say the least.My credit report clearly states that this account is open and in good standing so I should be able to utilize this credit which was granted to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/2020This is not mine.

2. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020This is not mine.

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

4. Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine.

5. Identity Theft CAP ONE AUTO Account Number : XXXX**** This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company   XXXX   times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by Experian and   XXXX   because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Product: Checking or savings account

XX/XX/XXXX, I was called that a suspicious person tried to make a withdrawal from my savings account at a bank branch an hour earlier and they wanted to confirm whether it was me. I told them it was not. I asked them to freeze my account and when they went to do so, they realized that another bank location had allowed the person to withdraw {$3000.00} from my savings. Chase froze my account and I had to call claims and go in person to verify it was not me. Chase froze my savings account and opened a new savings account for me and transferred the rest of my savings there. I asked to file a claim and I was told I had to file a police report first. I filed a police report and then attempted to file a claim. They said I had to wait for the police report before going forward with my claim. Then XX/XX/XXXX, a second unauthorized withdrawal occurred in my new savings account of {$2500.00}. I called to dispute this and asked why there were no additional protections made in my account as my account information was already compromised and chase knew this. They told me they didn't have any additional protections for withdrawals at a bank teller. I decided to remove the rest of my money from chase and transferred my funds to a new bank entirely. Since then, Chase has only returned {$2500.00} ( the second withdrawal ). I have called several times to check the updates on the first claim and they continue to stall. They required additional I.D . for the claim of {$3000.00}. I had gone in person and given my passport to input into their system and I still have not received the {$3000.00}. Why they insisted to wait for the police report and require additional I.D . for the first claim and not the second one, I'm not sure. But this is ridiculous. Chase had not properly protected my money when they knew my account information was compromised and also hasn't returned all my money.
Product: Student loan

I have spoken with Navient on several occasions. The first time I spoke with a guy and I am assuming he pulled a TLO because he knew who lived in my household. He then told me  Navient will g o after mother and my sister because they are co-signers and they are n't. I have explained to them that I can not afford to pay them {$1100.00} only {$200.00} will go to the principal ... so they did an income expense they see that I barley have {$100.00} left over and they still want me to pay {$350.00}. They call me all the time today they called me twice in the same hour. They want me to pay {$150.00} to refinance the loan and my payments will start over in  XXXX  and I will be back in the {$1100.00} boat. I ca n't afford to prolong the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has hard inquiries, a bankruptcy, late payments, and many accounts that are not mine. I have contacted Equifax, XXXX, XXXX, and connected companies several different times. The credit reporting agencies can not even show proof of validation on any of the listed information. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. None of it is correct and needs to me removed. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I retained Atty. XXXX XXXX to represent me with the closing of my house located at XXXX XXXX XXXX, XXXX, XXXX XXXX in XXXX. I am the seller. This property was originally purchased by my parents in XXXX of XXXX and transferred to me in XXXX. Apparently, the buyers attorney found a gap in the bridge during the title search going back to when purchased in XXXX. The property when initially purchased was a foreclosure and the company was Household Finance XXXX XXXX Household XXXXXXXX XXXX had a second mortgage on this property. I have found that these 2 entities were subsidiaries of each other and at that time were found to be conducting fraudulent activities and ponzi schemes across the US. The " Household '' was acquisitioned by HSBC in XXXX. For 3 months now, I have tried repeatedly to get this corrected either by quiet title or corrective deed. I am pleading for your assistance in this matter. I am also asking for an investigation, as I feel something seriously wrong has occurred. I would like to see this matter corrected so I can complete the sale of my home. I purchased a new home in XXXX  4 months ago and need to close on my house in XXXX. It has caused both myself and the buyer additional expense and I need resolution. Also note, I have requested to speak with Attorney XXXX and have yet to receive a phone call, my questions go unanswered and he has not responded to the buyers attorney.