23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My account was hit with fraud beginning XX/XX/XXXX. I noticed XX/XX/XXXX. There were several charges on my account between 1000.00-1500.00 a pop. I called XXXX XX/XX/XXXX. They stated they would issue a temporary credit to my account. They sent me the paperwork to fill out several times. They also refunded some credit but did not for other charges. I called and spoke with several representatives. They provided me with names who is responsible for the fraud. I made is very clear I do not know who did this. I was told XX/XX/XXXX. To send another letter in stating I would like to appeal their decision. They said I was responsible for these charges and they would send me proof in the mail. They sent me a trans action history not the proof they said they were going to send. I was told on XX/XX/XXXX to send another letter. I have proof I send a letter from XXXX on XX/XX/XXXX. The first rep I spoke with said they received it. I asked to speak with a supervisor who said they never received it. ( So Confusing ) I have complied with all the rules with XXXX, no resolution at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax enclosed is a copy of your reporting I have requested that you remove this account in question for false, inaccurate reporting on your behalf .I 'm not requesting an investigation but stating the fact that the report is wrong, inaccurate and under the FCRA requires it to be removed from account. Documents enclosed
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Credit card or prepaid card

Between XXXX and XXXX on Monday, XX/XX/2022 I got push notifications that my Capital One Cash Rewards Card was being used at a local XXXX. I had been at work since XXXX with my other coworkers. I called Capital Ones fraud department as soon as the notifications started rolling in to prevent any more charges from going through. While I was on the phone, I reached into my bag to discover that the card was in my possession. Yet, the credit card company claimed that my card was being physically inserted via chip. I told them that is not possible because I was at work, working, not shopping. They locked the card and began the process to send me a new one. As soon as I hung up the phone with the fraud department, I got notifications that my other Capital One credit card was also being physically presented at XXXX and the charge was denied because my credit line wasnt high enough. I called fraud again, and had the same conversation with someone else except this card was locked away in a box in my home. It was still there when I got home to check. Now, since I was in possession of the first card at the time of the purchases, Capital One is claiming there is no evidence that I wasnt the one who made the purchases. They did not request any evidence from me, but I filed a police report, my coworkers were with me this entire time, and I clearly havent physically used the first card in at least a year!
Product: Checking or savings account

inadequate information supplied by Citizens Bank for me to adequately fulfill my obligations to fully take advantage of this banking promotion, forfeiting a portion ( {$400.00} ) of this promotional offer.
Product: Credit card

This letter is to complain Chase freedom credit card. 
My account number XXXX Name on the card : XXXX XXXX. 

Chase freedom provided me XXXX INTEREST on purchases which expire on XXXX/XXXX/2015. 
I paid my balance in FULL {$8500.00} on XXXX/XXXX/2015. 
Chase charged me interest {$110.00} XXXX {$6900.00}, APR 18.99 % ) on XXXX/XXXX/2015. 

I called Chase customer service XXXX XXXX XXXX to resolve this interest charge middle XXXX after I received the billing letter. Eventually I was transferred to a supervisor. Let me list our conversation briefly as follows : me : My record showed I called you and was told there will be no interest if I pay off before XXXX/XXXX/2015 supervisor : No, it expired in XXXX. 

me : I DID call you and was told there will be no interest if I pay off before XXXX/XXXX/2015. Can you tell me when did I call you? 
supervisor : Yes, you called sometimes in XXXX. 

me : Yes, I called and was told there will be no interest if I pay off before XXXX/XXXX/2015. 
supervisor : Why did you call us to confirm the expiration date? You should go find the paper and check the terms? 

me : I called just want to confirm the expiration date. I think it is part of credit card service. Can you waive this interest charge? 
supervisor : No, it is final. 

me : Can I talk to higher level person about it? 
supervisor : No. what can I do for you next? 

me : Please cancel this credit card for me. 
supervisor : OK, I will process your cancellation. 

Next, let 's talk about my records. 

My records showed that I called both Chase and XXXX XXXX on XXXX XXXX same day, same hour, and the same purpose. I called to confirm the expiration dates respectively. 

I called XXXX XXXX ( XXXX, my account ending in XXXX ). My calling date and purpose was confirmed. 

Please find attached picture of my phone system which showed I called chase XXXX XXXX XXXX XXXX XXXX, 2015. 

Please find other supportive documents with this letter as well, such as bank account record, etc. 

Thank you for your attention! 
XXXX XXXX
Product: Debt collection

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. 

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.

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: Debt collection

On several different occasions an unknown caller has called and said consider yourself served. Left a number and with case number to call. When I called that number XXXX the gentleman told me that I owe a hospital debt and that I have been served? I have never been served and he stated just because I watch law and order does n't mean XXXX. I explained to him that my medical bills have been paid and that I just paid over 3,000. for XX/XX/XXXX and he stated that I owe {$900.00} from XX/XX/XXXX. I said that I would need to review that bill please send it to me. There is nothing on my credit report otherwise. He said that you can not deny you were at the hospital and you need to just pay it now or we will sue. Please have them stop harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported 2 missed payments on my credit report in XXXX. I have never been 60 days late not even 30 days late. I have had this problem before and they corrected it. I paid my account off in XXXX an have not withdrawn since. I should not have any balances with them.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against TransUnion regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX  Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5700.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4300.00} Payment Amount : {$240.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist. 
15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX XXXX XXXXas failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly. 
Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from TransUnion showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/scrub> 2024. 
Written confirmation of the correction from TransUnion. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Have a mortgage which change servicing rights to Ditech. In the loan docs it states in correctly that the insurance was to be escrowed. In the mean time Ditech failed to pay my taxes on time and due to a city property tax mistake my taxes were over paid by {$2300.00}. I have since changed the escrow and requesting the insurance not be escrowed. The taxes are now being refunded directly to Ditech and I have requested the make a one time payment for the insurance. The previous servicer failed to pay the insurance for 9 months. Now I am requesting the they make a one time payment to my insurance and discontinue future payments, and calc esrow going forward correctly without the insurance. Been since XX/XX/XXXX trying to get them to get someone to correctly get it write in my account 4 call 12 representatives. On top of it I am a 30 year financial services exec with years at XXXX for the XXXX, I well understand this business but the agents and system at Ditech gets on one who understand all aspects of this error. They will now include it in the escrow and will not issue a one time payment without changing the escrow analysis. It 's around around in circles.
Product: Checking or savings account

I am. writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  loan accounts reported by XXXXDepartment of education account XXXX XXXX have been forgiven and closed out with a {$0.00} balance on both XXXX and XXXX. Please follow suit and update my consumer report as well to reflect the same so that all XXXX of my reports are reporting the same accurate information across the board as its supposed to by consumer laws. Please see attachments for proof of identity and student loan accounts references.
Product: Mortgage

I was approved for an FHA Covid Loan Modification in XX/XX/XXXX by my lender Mr Cooper and the last step in the process was to sign the Loan Modification documents. I notarized and sent the documents XXXX  times between XX/XX/XXXX and XX/XX/XXXX and they were rejected each time with no clear explanation on why it was rejected. The XXXX  time I was told I had to write my name not sign it and the other XXXX times I had no idea why it was rejected. I called in each time and the representatives also were not sure either. I kept repeating the process and kept notarizing and sending back whatever document they sent and it kept getting denied. Finally on XX/XX/XXXX they denied my FHA Covid loan modification because they could not get the completed documents back from me. I was told that the documents had expired. This had left me in a limbo because they have denied my FHA Covid modification and will not take any payments. The whole process has been confusing and overwhelming and there was no clear directions other than writing and not signing my name the first time. If i had known they would cancel the modification I would have have just used their notary. I was been cautious because I have an elderly mother living with my and did not fell comfortable with a stranger coming to my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Equifax, XXXX, and XXXX are still in violation of XXXX USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given Equifax, XXXX, and XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are 15 accounts being illegally furnished on my consumer report. 

I demand that Equifax, XXXX, and XXXX remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow Equifax, XXXX, and XXXX to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By Equifax, XXXX, and XXXX allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. Equifax, XXXX, and XXXX must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that Equifax, XXXX, and XXXX need to remove immediately : Department of ED/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXXXXXX ( XXXX accounts ) XXXX XXXX XXXX XXXXXXXX XXXX Department of EDU XXXX XXXX XXXX Department of EDU XXXX XXXX XXXX XXXX XXXXXXXX I have also filed previous CFPB reports on Equifax, XXXX, and XXXX for the same issue and have been accused of using third-party assistance which has never been the case. Equifax, XXXX, and XXXX have employed multiple deflection and stall tactics to delay removing the accounts listed on my consumer report.
Product: Mortgage

I have been working to obtain a home equity loan with Discover Home Equity since late XXXX of this year. The process has been horrible from the start, but what really tipped the scales was on XX/XX/XXXX. I received an email from the " loan processor '' XXXX XXXX NMLS ID XXXX. In and of itself this was not unusual, but when I read the email I found that it had a salutation to a " Ms. XXXX '' and included creditors and debt amounts that were not mine. I quickly 'replied all ' and advised that the information was not mine, but was never acknowledged. 

Emails go unanswered, voicemails go unreturned ... 

I DID call in today and advise Discover to cancel/withdraw my application due to their unprofessionalism and inability to secure financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at several web sites to get my free credit report.

Was directed to annual credit report.

After in putting all my information, was told had a security problem, With receiving my report 1 ) no way to verify my identity 2 ) web page didnt ask any questions. 

Please contact me a.s.a.p. XXXX Now Im scared my information is out there on the web Please note ; I am in a XXXX  so there is not to of credit Activities but Im looking for false medical charges Thank you in advance XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I was charged 29.99 %, and I am supposed to have a 24 month no Interest Promotion.  I contacted Synchrony back every month about the charge. I have been charged {$330.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned for a loan from XXXX with my daughter in XXXX 2021. THe car was totalled in XX/XX/2021 and the insurance paid XXXX over {$12000.00}. THe balance is to be paid by XXXX through a XXXX insurance policy and XXXX was aware of this. XXXX and XXXX both are very slow processing payments and claims. Out of nowhere without warning, I received a credit alert that my score dropped more than XXXX points for a 30 days late payment from XXXX after they have received {$12000.00} from the insurance company. XXXX is aware that the car is totalled and XXXX is processing the XXXX insurance policy that was submitted XXXX XXXX, 2021. I am trying to refinance my home and this practice from XXXX has hurt my family and I seriously during this time of XXXX pandemic and I am a XXXX worker. I need my credit report fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is negative information reporting on my credit file that I am demanding get deleted and updated. The following companies have reported an inquiry ( Hard ) that was never authorized by me ( Fraud ). 

( 1 ) XXXX XXXX XXXX XXXX ( Inquiry XXXX XXXX ) ( 2 ) XXXX ( Inquiry XXXX XXXX ) ( 3 ) XXXX XXXX XXXX ( Inquiry XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Equifax and notify them of their error posting of information on my report. I requested for Method of Verification mailed last XX/XX/2020 but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXXthe account below is beyond reporting limits and needs to be removed asap! ** XXXX XXXX XXXX  {$1500.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXX XXXX  {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX XXXX
Product: Debt collection

My account for XXXX services I received from a local XXXX XXXX XXXX was placed at MERCHANT CREDIT Agency for collection. The information in my file contains my personal information including my SSN. Recently I have noticed suspicious active on my credit report in the time my account was place in MERCHANT CREDIT Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and MERCHANT CREDIT refuses to provide this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I've completed disputes with the credit bureaus in regard to student loans that appear on my report that do not belong to me. 

Letters to the credit bureaus were sent on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have never received a response from the credit bureaus, nor the creditor, in any of my correspondences.
Product: Credit card or prepaid card

On the date of XXXX I tried to extend my credit to Credova they denied me for the reasons of Your credit score : XXXX Date score was reviewed : XX/XX/2021 Scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : ( XXXX ) THE DATE THAT YOU OPENED YOUR OLDEST ACCOUNT IS TOO RECENT ( XXXX ) TOO MANY BANKCARD OR REVOLVING ACCOUNTS WITH DELINQUENT OR DEROGATORY STATUS ( XXXX ) YOU HAVE TOO MANY DELINQUENT OR DEROGATORY ACCOUNTS ( XXXX ) LACK OF SUFFICIENT RELEVANT REAL ESTATE ACCOUNT INFORMATION None of these key factors are defining causes of a determination to denying me for extending my credit. I did this in good faith it was no ill will or anything so idk why I got denied. Soon as they got the credit application that should have been the end of it this is a consumer credit transaction. The transaction was me trying to extend my credit. Credit scores are not a key factor in determining if im credit worthy.

15 usc 1681m ( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( 1 ) In general Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.