23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We found fraud on our credit card that is used for company purchases totaling over XXXX in fraud. After many, many, requests Wells Fargo Bank will not credit us back the fraudulent charges. This is just like stealing money from us as we are a small company that needs this money to pay our payroll. WELLS FARGO BANK should be ashamed of themselves and should return our money at once. The credit card was in my pocket the entire time and all of these purchases were all over the country from Florida to Washington and they claim that the card was presented in person according to WELLS FARGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$20000.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Where do i begin?
for years i have been applying and asking for a modification on my home. for years i have been denied for whatever reason given. when OCWEN finally decided to offer me a modification my payment when   XXXX   XXXX   dollars higher!! as long as i know a modification and asking for an affordable payment does not mean allowing my payment to go higher almost twice as much as it already was. calling in today with OCWEN i was told that my house went to sale at   XXXX   XXXX   ET time. and that the sale date was scheduled on  XXXX - XXXX -2017 since  XXXX - XXXX -2017 there were 2 conversations, one on  XXXX - XXXX  &  XXXX - XXXX  where i was lied to and told that there was no sale date scheduled. Listed below are the representatives that were spoken to and the comments date and time. please contact OCWEN and have then pull the conversations so you can hear for yourself that we were advised that there was not sale date scheduled on property.
 XXXX / XXXX /2017,   XXXX   XXXX   NOTE [ n ] - LENDER CALL : OCWEN SPOKE WITH :   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A  XXXX / XXXX /2017,   XXXX   XXXX    NOTE [ n ] - LENDER CALL : OCWEN   XXXX   SPOKE WITH :   XXXX   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A I recently received a notice dated for the month of  XXXX  that i had the opportunity to appeal the denial and within a matter of 2 weeks my home went to sale. why would i be given the opportunity to appeal a decision to keep my home and be foreclosed on at the same time. i really need help to get my home back. this is not fair. i am a minority and an immigrant, a hard working tax payer. i did not want this to happen to me.
the following representatives denied any assistance and were lying to me about the conditions and all details of the account  XXXX   XXXX  - Refused to transfer me to management.
  XXXX   XXXX    XXXX  is manager she eventually transferred me to lied by saying could not escalate.
  XXXX     XXXX  lied repeatedly about how to escalate.
At this point i need all the help i can get in order to get possession of my home once again.
Product: Credit reporting or other personal consumer reports

Subject : Complaint for Removal of Inaccurately Reported Foreclosure Redeemed Account - XXXX XXXX Dear CFPB, I am writing to submit a complaint against the inaccurate reporting of a foreclosed but redeemed mortgage account by XXXX XXXX on my credit files with XXXX and TransUnion. Despite the foreclosure being redeemed, the account continues to be reported with inaccuracies, affecting my creditworthiness. 

Account Details : Account Number : XXXX Account Type : XXXX  XXXX XXXX XXXX  Credit Reporting Agencies Affected : TransUnion , XXXX Inaccuracies and Issues : Inconsistent Date Opened : TransUnion : Reports XX/XX/XXXX XXXX : Reports XX/XX/XXXX Erroneous Account Status : TransUnion Status : Late 120 Days XXXX  Status : Foreclosure Both statuses fail to reflect the redemption of the foreclosure. 
Misleading Comments and Information : Comments refer to the foreclosure being started but do not adequately address its redemption, causing undue derogatory status to linger. 
Discrepancies in " Date Last Active '' : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605 [ 15 U.S.C. 1681c ] : Imposes rules on reporting obsolete information and mandates that all information be complete and accurate. 
FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputes regarding accuracy within 30 days.

FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Obligates furnishers of credit information to ensure the accuracy and integrity of the information supplied to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Request for address updates and complaints of hearing my information without my consent
Product: Credit card or prepaid card

I received notice that I had not paid my bill due in early XXXX. I sent them a copy of my canceled check in the amount of {$230.00} which had been mailed to the correct addres and was endorsed as deposited to the payee by XXXX Bank. Capital One responded that it was not their bank and refused to look further into why a check mailed to them had been cashed by another bank. My bank says that no bank would have endorsed that check as paid unless the account name was correct. Capital One simply said that I had to again pay the bill and they retained the finance charge and late payment fee as due. 
We have an excellent credit rating and do not deserve to have this payment shown as late, especially since we had actually paid the bill, which has not been disputed. 
The case number with CapitalOne is XXXX
Product: Student loan

My loans are serviced through Navient, and last year I consolidated my federal loans on an income-based repayment plan. The plan was supposed to go into effect in XXXX, yet I received a bill for over {$200.00}. As I was working full-time over XXXX hours a week, I did not have the time to call and clarify and did not want to be delinquent on my federal loans, so I paid. Same for XXXX and XXXX. When I called in XXXX, I was told that Navient had RECEIVED MY PAPERWORK, WHICH WAS IN PROPER ORDER, but had simply failed to process it. My father mentioned the story that ran on XXXX recently, and I realized that what Navient was accused of was exactly what had happened to me. While paying down loans is never bad, having surprise bills in excess of {$200.00} when you live paycheck to paycheck is massively inconvenient, and now that I realize that this was a deliberate action on Navient 's part, I am infuriated.
Product: Credit card or prepaid card

I initiated a payment from my checking account on XX/XX/. The funds were withdrawn from my checking account on XX/XX/. I called the credit card company on XXXX as the payment was not reflected in my account to use. I was told on that date that the funds would be released on XX/XX/. I called the company again on XX/XX/2023 to follow up as the funds were not released, despite them taking the money out of my account on XXXX I escalated to a XXXX and was told there was nothing they could do and I just have to wait until the following day for the funds to be released despite them having the payment. I paid {$300.00}, which is in addition to my regular payment, in hopes to use it for a payment so that I could get cash back. The XXXX told me they receive this complaint all the time, but can not do anything. They are holding peoples money.
Product: Credit card or prepaid card

I was asked to apply for a Credit card at Home Depot and decided to cancel it. They had an old address for me which they said they couldn't change. As a result, I never got a bill and there's nobody to communicate with. As of now, I'm getting hit with fees, and am subject to collection by Citibank which I have nothing to do with. 

I want them to remove the fees, however, I do want to pay for any legitimate purchases made at the time of my application.
Product: Vehicle loan or lease

I have advised this company several times not to contact me a work, however they have persisted and continue to call me at my job and have put my state of employment at risk due to the numerous phone calls.
Product: Mortgage

The bank continues to send me notices, in which, they include the mini Miranda disclosure making them collection attempts. These letters state that they need my XXXX XXXX insurance policy. I had called them several months ago and gave them the number and information to call the condominium association. Being the absurdly horrible bank that they are, they have n't done this. I live in a condominium with well over 100 units, so I 'm sure they could cross reference with other mortgages at my address or they could contact the condominium association as I had directed them in the past. If these letters continue, I will pursue legal action against M & T bank for the time I have spent on this matter as well as attorney fees and applicable damages. It 's particularly interesting that no other bank that has owned my mortgage in the past ( there have been many ) has ever made this request. It further speaks to M & T 's incompetence, laziness and disregard for their customers time. 

Please let this clown show of a bank know they can reach my condominium association with the information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX & XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX
Product: Checking or savings account

Capital Ohe Bank. I am filing a complaint with cfpb regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws, I request your assistance in investigating tis matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE RE-INSERT ALL MY U.S. BANK ACCOUNTS BACK ONTO MY CREDIT REPORTS, ALSO, GET A HOLD OF YOUR XXXX REPRESENTATIVE TO ASSIST YOU IN THE MANUALLY RE-INSERTION OF SAID ACCOUNTS. I NEED A LETTER FROM THEM AS SUCH. THE CREDIT FURNISHERS AND XXXX   IN DISRUPTING THE FABRIC OF FINANCIAL CREDIT APPARATUS, TRI ANGLE OF THE INDUSTRY IS AT STAKE, CRA-CREDITORS-CONSUMERS. FINALLY THE DODD FRANK ACT AND XXXX XXXX SINCE XX/XX/2015 HAS VIOLATED THE F.C.R.A. ( FACT-ACT ) AND 15 U.S.C. Section 1681g.
Product: Debt collection

I never received a bill for this on how or what to pay. Upon checking my credit I see I have a charge off collection for a company that has never contacted me.
Product: Credit card or prepaid card

On XX/XX/2022 I opened my credit report to discover a hard hit credit check was pulled by Capital One on XX/XX/2022. I never applied for a card and my credit score got reduced 14 points. I immediately contacted all 3 bureau 's to freeze my credit report. I contacted Capital One fraud department on XX/XX/2022 to open up a fraud report/alert. The agent stated the credit card application was not processed due to incomplete information. The agent did not provide me the name of the applicant. The agent assured me the inquiry would be removed from all 3 bureau 's taking up to 90 days and I would be contacted by the Capital One fraud department.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX 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 an 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. Accounts need to be removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX  XXXX # XXXX and XXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without 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 ). States 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: Credit reporting, credit repair services, or other personal consumer reports

I tried calling the company listed on my XXXX  that did a hard inquiry without my authorization I did got the run around the company didn't exist I got sent to synb bank they  said I had to go back to XXXX  I keep going in circles and I need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$64.00} ; XXXXXXXX XXXX XXXX Balance : {$22.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Specialized Loan Servicing, LLC ( SLS ) provided a single point of contact ( poc ) for all communications in resolving late payments on my 2nd mortgage. When I asked for a forbearance on the loan while I worked out the details, the single poc ignored the request. Sometime later, SLS acknowledged that the company received the request but did not act on it instead insisting on my mailing the request to another address. By then it was too late. The poc was never available and did not return phone calls. Often, I was left on hold for up to an hour before being cut off. The company repeatedly asked for documents it already had in its possession or would not explain what they needed. I believe these shady practices were an attempt to move the 2nd mortgage to foreclosure while pretending to help. I sold the home in order to avoid foreclosure.
Product: Checking or savings account

ive attached more detailed information on my concerns but I will briefly state some of them now 1. bofa has been stealing money from my account all the way back in XX/XX/2012. 
2.they took multiple house payments between the time line XXXX to XX/XX/2108 3.they reverse temp credits on false information stating that I gave them this informaton. 
4. Ive included that I demand documentations that they use to verify it is you 5 talk to u later E
Product: Mortgage

I was approved for a three month trial plan and what was told over the phone was absolutely great, a savings of about {$1000.00}. However after thoroughly reviewing the offer made, there is now a {$290000.00} balloon payment that will come due after I pay off the principal balance of {$360000.00}. 

My principal balance increased from {$330000.00} to {$360000.00} which is an increase of {$31000.00} Per my mortgage statement from XX/XX/20, I was behind {$22000.00} and granted that is a year ago so another {$3000.00} x 12 months should be added to that which is {$37000.00}. I understand that there may be foreclosure or attorney costs that may have accrued but {$22000.00} + {$37000.00} = {$59000.00} but don't forget, my principal increased by {$31000.00} so ( {$59000.00} - {$31000.00} = {$27000.00} ) Either one too many numbers were included on the balloon payment offered or that means the attorney and foreclosure fees have added up to $ XXXX. I fail to see how these numbers make sense.
Product: Debt collection

XX/XX/XXXXI notified XXXX utility company that my husband and I were surrendering our home to our mortgage company XXXX XXXX. We filed Chapter XXXX. We advised them our move out date was XX/XX/XXXX to shut off the electric as we would no longer be living there. We moved 2 hours away to XXXX XXXX XXXX XXXX, PA XXXX with my husband 's parents. We are still here. At no time did we ever receive another XXXX bill- we changed our address with the postal service and no mail came from XXXX . XX/XX/XXXX I received a collection letter from Transworld for XXXX bill for XXXX XXXX XXXX for almost {$900.00}. I called them. I called XXXX. I called the PA utility commission. I advised Transworld statute of limitations per PA utility is 4 years and XXXX  advised account no longer exists. They are refusing to remove the collection from my credit reports
Product: Credit card

Subject : Dispute with XXXX XXXX  - Case Number : XXXX I am writing to provide a description of the disputed transaction, as requested, without including any personal information. 

The disputed transaction initially occurred on XX/XX/2023, with XXXX XXXX, with a charge amounting to {$37.00}. The reason for this dispute is related to the fact that I have not received the merchandise/service that was supposed to be provided to me by the expected date, as initially indicated by XXXX XXXX XXXX 

On XX/XX/2023, the charge was adjusted, suggesting a resolution to the dispute. However, on XX/XX/XXXX, the same charge reappeared on my statement, but this time under the merchant name " XXXX XXXX XXXX CA XXXX XXXX. '' I had not authorized this charge, and it further compounded my concerns. 

Furthermore, on XX/XX/XXXX, the credit card company issued a " PURCHASE ADJUSTMENT, '' which indicated that they were attempting to rectify the situation. Despite these adjustments, the core issue remains unresolved, as I have not received the expected merchandise/service, and the charge continues to appear on my statement. 

Upon noticing the reappearance of the charge, I promptly took the following actions : I contacted XXXX XXXX  customer support again to inquire about the unauthorized reappearance of the charge and the continued non-receipt of the merchandise/service. 

During my interaction with XXXX XXXX  customer support, I reiterated the situation, emphasizing that the merchandise/service was not delivered within the promised timeframe. 

I also provided XXXX XXXX  with all relevant details and information related to the transaction, including the date, amount, and any supporting documentation they may require. 

Despite my continued efforts to resolve the matter directly with XXXX XXXX, I did not receive a satisfactory resolution or a refund for the charge related to the undelivered merchandise/service. As a result, I initiated this dispute with Capital One to seek a fair and just resolution for the unfulfilled transaction and the unauthorized reappearance of the charge. 

I hope this updated description provides the necessary information regarding the disputed transaction, the adjustments that occurred, and the specific reason for the dispute, which is the non-receipt of the expected merchandise/service within the promised timeframe. If you require any further details or have any questions, please do not hesitate to contact me using the provided contact information. 

Thank you for your assistance in addressing this matter.