23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Still in the hands of Bankrupcy protection agency. I also paid a company to fix this issue but nothing happened. Its a lawyers company located in California. I paid like {$4000.00}. 

Also, since my house was damaged by the storm this year last XXXX, I hired an inspector- XXXX XXXX XXXX base in Pennsylvania to get me insurance money to have my house repaired. They got me {$4500.00} to fix my house and pad XXXX  {$1500.00} for their service commission. Now the check was endorsed to Select Portfolio servicing in Utah- XXXX XXXX XXXX claim # XXXX and held the repair money until now which I said its for repairing my house. They dont want to release my insurance money. 

I would like you to please help me retain my house by giving me a modification 2 % interest which I was begging them to modify my mortgage. Also please help me get my insurance money to have my house fix. 


Begging for your intervention. 

Hoping for your kind assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX if no answer please leave me a message. Thanks
Product: Credit card

On XXXX, XXXX 2024 XXXX I reached out the CaptialOne Bank at XXXX to let them know I noticed a CapOne credit card with a $ XXXX limit shown while looking over my banking info on my XXXX  mobile app that I did not request or have anything to do with! I spoke with a representative at the time for about 16 minutes and informed her that it was not me who took out this card. She looked into their systems and told me that it seems like the card in reference seemed to have been taken out and used to pay off another XXXX credit card for {$9900.00}! She then said that they were going to close out the account and launch an investigation. They will inform me of their investigation results within 90 days. I got off the phone thinking everything as was going to be resolved and I wouldn't have much to worry about moving forward as I DID NOT TAKE OUT ANY CAPONE CARD OR ACCOUNT! 

Fast forward to XXXX, XXXX 2024. Around XXXX. I reached out again to CapOne because I noticed that my credit score has taken a significant hit from mid-high XXXX 's to now low XXXX 's and I haven't heard back anything from CapOne up until this point. The representative I spoke with at that time informed me the investigation was closed out since I believe XXXX and they sent out a letter to me stating there finds. I responded with I never received any letter of the sort. Cause if I did, I would've most certainly been in contact prior to today have the matter resolved. I asked to speak with anyone that would be able to further assist with the matter. All I was told that there is nothing else that can be done as the investigation was closed. I then requested all findings from said investigation because I wanted to know of any proof they could've provided. They said I would have to follow a process of sending a letter to request their investigation information. After a 36 minutes conversation with multiple representatives, I got off the phone feeling very frustrated and helpless. 

I spent the next 2-3 months trying to research as much as I could and speaking with people who might've gone through similar situations for advice. I recently reached out to my personal Bank/XXXX  for assistance and XXXX XXXX XXXX. A XXXX representative and myself called up CapOne together on XXXX, XXXX 2024 for further information regarding the account. CapOne representative then said they will re-launch the investigation and asked if I would be able to provide a police report or Federal Trade Report. I walked across the street from my job to the local police precinct and was told that I needed to acquire the date, time and description of incident in order to fill out a police report. I called back CapOne  a couple days later and requested the information. I was told again they can not provide that information that another letter stating their finds was going to be sent out. I'm guessing the same letter I never received initially back in XXXX! 

It is now been 5 months going onto 6 and my credit score/history is being significantly impacted in the worse of ways!
Product: Credit reporting or other personal consumer reports

Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report ( s ).

This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately .

Also, I am invoking my GOD given right as a consumer to exercise my right to Opt-Out of ANY communications the Creditor ( Apple Card/Goldman Sachs ) may have had or is having with and reporting to third party corporations ( XXXX, XXXX, XXXX ) XXXX This is part of the Privacy Act of 1974, in which my rights have been violated and needs to be remedied, as soon as possible.
Product: Credit reporting or other personal consumer reports

To whom it may concern : CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form CITICARDS CBNA ( XXXX ) - ( XXXX ) XXXX CITICARDS CBNA - XXXX attach you will se documents
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  accessed my credit file on  XXXX   XXXX ,2017 without my permission. I have contacted them via mail, email, fax and phone to notify them that I had not given them permission to access my account. They have failed to remove this inquiry as requested. I have provided them all the information necessary to address this issue to no avail. They have this inquiry still placed on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently heard Equifax has had a breach in confidential information of mine. I do not want to search on there site to find out if I am a victim, because I would give up my rights to take action.
Product: Debt or credit management

This debt is not mine, I asked for the Debt Collector to prove this debt is mine, that I signed a contract that this is my debt that I am legal owner of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the false and misleading information for individual accounts did not quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB enforce the correction and or deletion of these items.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX I was charged {$290.00} from XXXX XXXX XXXX. I call endlessly to reverse charge but no one answer the phone. On XXXX XXXX I open a dispute with my discover card. They told me they were going to try to fix the issue and in the meantime my XXXX was frozen, meaning I didn't have to pay it back. On XX/XX/XXXX XXXX the XXXX XXXX XXXX gives me the refund back. On XXXX XXXX discover says I owe them {$290.00} again. When I call the dispute department they said they didn't realize a refund was given to me back on XXXX XXXX and I have to give them back {$290.00}.
Product: Debt collection

A debt collection company which appears to be located in XXXX, ND has been calling my residence several times over the last 6 months looking for a party who has n't lived here in 10 years. I 've advised them as such and they allege they 'll put me on the no-call, bad-number list, but they continue to call in spite of their hollow promises. Their number is XXXX.
Product: Debt collection

The company needed an account number in order to identify me for my last dispute. I did not have an account number due to me not having a validated account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues Incorrect Age of Credit reported on credit reports Late Payments remain on my Credit report that were suppose to be removed in Dismissal/Settlement of my educational loans due to TPD ( have the credit bureaus check their facts which they have incorrect. 
Hard Inquiries should have minimal effect due to performing within 30-40 day period should only count as one inquiry. 
Incorrect Credit Limit Total that I hold : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================= Total {$9000.00}, and {$9500.00} if you contact XXXX I hold an additional credit line of {$500.00} through them. All accounts are in great standing and I have never been late with any accounts within the previous 2 years. Though the Credit bur are reporting still monthly late payments. That is clearly incorrect. 
The XXXX creditor that states Written Off, was not as it was Paid in Full, and I provided the credit bureaus with the Paid in Full letter and they refused to change the incorrect data in the above issues, also proof from the bank where the payments came from were provided. 

Upon the settling and clearing of my Federal & Student Loans ( though an issue still remains on my Credit Reports in regards to student loans ) All interest, Late payments, etc WAS APPROVED to be removed in both matters of the Federal loans and the Private Student loans. I here again provided information to the Credit Bur 's and they refuse to ammend and correct the issue ( s ) This is unacceptable, especially after we hear and see that a Credit Bureau knew of the US largest hack in XXXX and opted to not tell anyone until XXXX. That is awful, and that bureau should be removed of course. Almost 5months without reporting the incident ARE YOU SERIOUS? Someone there maybe the CEO should be arrested, as I seen about two officials recently quit. So you have that AND they can not seem to manage people 's credit report/score appropriately. I am XXXX myself, and very independent but I rely on the fact that as of the last year or so I have had GOOD credit, and these incorrections are making unfair, and cruel to not properly disclose my credit information properly let alone securely for XXXX sake. 

I can not afford XXXX XXXX, though I would if I could. I would like the complaints above investigated and actions taken appropriately to rectify the failures that occurred, and still occur to this day. 

Documents/attachments are available upon your request.
Product: Prepaid card

Hi- I purchased a Visa Signature gift card from the local XXXX. Shortly after activating the card it started getting declined at all merchants even though there is a sufficient balance on the account ( validated on vanillagift.com ). Ive placed multiple calls to the number on the card to attempt to resolve the issue. About XXXX months ago I requested a replacement card, however a replacement card never arrived. Calling in is burdensome. I still have the gift card with a balance of {$70.00} on it that Im unable to access. 

Additionally, the terms and conditions do not clearly indicate how to submit an error per Reg E. Please consider this a Reg E notice of error. There seems to be a technical issue with my card preventing me from accessing my funds. 

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

Reached out to XXXX XXXX and equifax via mail twice concerning inaccuracies that were on my credit report. however, still were unable to get items remove and accuracy reporting properly on my credit report. 
First Date was on the XX/XX/2021 and second date was on XX/XX/2021.
Product: Credit card or prepaid card

I dont have exact dates but I made 2 large payments in the month of XX/XX/2019 on my Discover card for the amount of {$500.00} and on my XXXX credit card for {$300.00} and for some reason my credit score plummeted when I feel it should have increased. XXXX XXXX did nothing but ignore this matter. I have no faith in proper credit scores with this company
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my credit report. Under laws 1. 15 USC 1681 SECTION 602 explicitly affirms my right to privacy, a right you have evidently trampled upon.

2. 15 USC 1681 SECTION 604a SECTION 2 unequivocally states that a consumer reporting agency is prohibited from furnishing an account without my explicit written instructions, instructions which I have never provided.

3. Pursuant to 15 USC 1666b, it is mandated that creditors can not deem a payment late unless they have adopted reasonable procedures to ensure timely delivery of periodic statements, procedures which your agency has evidently failed to uphold.

Experian has failed across the board.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm listed my account as delinquent to XXXX AFTER I had applied and had been approved for a loan accommodation. Since we are still under the declaration of a National emergency the provisions of the CARES Act are still in place which says, If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current The loan XXXX took was approved XX/XX/XXXX. A payment was made within the terms of the provision XX/XX/XXXX and a full payment was made on XX/XX/XXXX paying off the remaining balance on the account. 

Affirm needs to remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I am a victim of identity theft and that the inquiries beling disputed were not made by me neither by someone I authorized. In short, these Inquiries werenever mine! Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the siputed inquiries from my Credit Report and stop these erroneous reporting. I have been sending dispute letters to the Credit Bureaus having the exact same requets for the removal of the Dispute inquiries and they have failed to respond to my letters. The Credit Bureaus continued reporting the dispute inquiries without providing me copies of documents bearing my signature to support their claims that the inquiries were mine. I need the following inquiries removed from my Credit Report : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XXXX. I was called by flagstar bank .saying check your account .people are getting hack. out of they money.With checking my account .I notice that from XXXX. I was getting scam .out of my money .Threw atm withdraws. every atm with draw i made XXXXwill charge me XXXX extra, most of the time i will only with draw XXXX but i will get charge XXXX extra. but my recipe will only say XXXX most of the time i will go to a cvs or walgreens. to with draw money .i was instructed to go in the bank with recipes. by the dispute department.as i was instructed to go to the branch. that i was near .in union nj. i spoke to a manger name deneice, and richord. i clearly told them what i was there for and to do.the recipes was viewed XXXX returned back to me. not knowing. What they did with the recipes.they were giving back to me.A couple of weeks later i received a phone call saying the dispute was denied. because know recipes was provided.but clearly .repeating i was instructed to bring in recipes. to the bank XXXXXXXX XXXX  XXXX XXXX.and did what i was instructed to do. i get another phone call from amy.in the XXXX nj branch. saying, XXXX said you never brought in documents.which was a lie. also i gave the XXXX XXXX XXXX a call and they called me back .and left me a voicemail saying .i brought in the recipes.but they thought the matter was handle.another lie that was told.the manger XXXX said to me .that they were going to check the camara. to see if i brought in the recipes. and its going to take a couple of weeks. but until then bring in recipes .again .i brought in recipes for the second time to the islein nj branch. the manger that view and fax over recipes was XXXX  XXXX XXXX very professional. as well .also. lying to a customer. is discrimation. is how i feel. thank you and have a good day.everything that im saying i can prove. also my account was charge the amount that was suppose to be credited .and close out without me being notified.i got a notice in the amil saying i was approved for the amount i was disputed. as well instead my account was close out .with out me being notified
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for too many inquires on my XXXX report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from XXXX, XXXX and Experian credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason : XXXX : 1. XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX  XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX XXXX XXXX Experian : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, 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.

XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I refinanced my mortgage with MLD Mortgage on an investment property I own on XX/XX/XXXX, which included escrow for the property 's taxes and insurance. My insurance company, XXXX XXXX, issued bills to MLD Mortgage on XX/XX/XXXX and XX/XX/XXXX before sending an overdue bill directly to me on XX/XX/XXXX. After 2 calls to XXXX XXXX and 3 calls to MLD Mortgage, I was finally able to reach someone at MLD Mortgage on XX/XX/XXXX who confirmed payment was not issued at closing on XX/XX/XXXX as it should have and placed the request for payment, stating it would take 24 to 48 hours.

Despite being 3.5 months late on payment, when I inquired about compensation ( if roles were reversed, I would have been charged significant late fees for 3.5 months of non-payment ), I was told that the loan care department was not responsible for the mistake at closing.
Product: Checking or savings account

On XX/XX/year>, my Capital One checking account had an unauthorized transaction of {$1000.00} withdrawn by XXXX travel agency. It was an online transaction. I never purchased any item from the merchant. I lost my drivers license a few months ago. I suspect that my information was used by someone to purchase items. On XX/XX/XXXX, I received a provisional credit after I made a dispute. But the money was recently reversed to the XXXX. Today, the merchant keeps charging {$1000.00}. This is fraudulent and not acceptable. I also have more than XXXX XXXX in my savings account. There is no withdrawal from my savings account yet. However, I need to protect my assets and prevent other possible fraudulent charges in my bank account. I also suspect Capital One might have been negligent in this case. Please contact Capital One and XXXX promptly to resolve this matter. Thank you.
Product: Credit reporting or other personal consumer reports

FCRA Section 605B ( a ) stipulates that credit reporting agencies must remove any information identified by consumers as originating from alleged erroneous activity within four business days after receiving notification of such identification. 
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