23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have paid my payments through Capital One credit card for several years now. In fact, on my personal account they have stated that my payment history is XXXX %, which is good. I paid XXXX payments within XXXX weeks to bring my account under the credit card amount that was issued to me. I paid {$50.00} by mail on XXXX XXXX, 2015 and then another payment through my checking account on XXXX XXXX, 2015. On XXXX XXXX, 2015 I called the representative XXXX ( ID # XXXX ). I asked why was my account held and there was n't any credit on my card. She said that we had to call my bank to verify that the money was taken out because I had a returned payment in the past. She then called XXXX XXXX XXXX. I was then insulted, mortified, humiliated, and felt as if I was treated like a child about my account. Capital One had taken the payment on XXXX XXXX, and cleared the account on XXXX XXXX. They continued to hold my account and did not put any credit on my card until today in which I had to call and demand that they put the money on my card and call the bank to get a verification. Again, this is an insult to me being a paying customer!!! I should not have to call to get my funds released on my credit card!!!!! This does not make any sense I then spoke to XXXX ( ID # XXXX ) Both the representative and supervisor XXXX were rude! I would close my account with Capital One if I did n't think that it would affect my credit!!!
Product: Debt collection

XX/XX/XXXX, I sent a certified letter to EOS CCA, requesting copies of any documents, bearing my signature for an account that was added to two credit  reports under my social security number by this collection agency. I formally requested in this letter to ceast and desist any attempts to collect on this debt. As of XX/XX/XXXX, this company has NOT satisfied my request for documentation.Pursuant to Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :, this account should be removed from all of my credit reports, never to be reinserted again, by this collection agency. This collection agency also violates, FDCPA 807. False or misleading representations [ 15 USC 1962e ], as I do not have ANY accounts ( active or inactive ) with this company.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to investigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to talk to someone at corporate for this dispute for my current lease of my vehicle. I have sent the same information to MB Financial Services ATTN : XXXX XXXX XXXX, this is just absurd that I am still dealing with these late payment notices/discrepancies on my credit report. This is my 2nd and last XXXX XXXX that I have and will buy/lease due to these issues. Now I have to turn in my vehicle which I plan on trying to sell instead due to the issues Ive had since becoming an Mercedes consumer. 

Ive submitted disputes with the bureaus as told by MB Financial and now I am having to email/write to a different depart to get this corrected. I went from ( 1 ) 30 day late incorrect reporting, to ( 2 ) 30 day late incorrect reporting. I am requesting these to be removed as previous indicated and confirmed by a MB Financial customer service representative. Look back at my calls, notes from XX/XX/XXXX/XX/XX/XXXX, I need these corrected and removed at being late. Thank you and look forward to dealing with someone at a corporate level. Have a great day.

This what I submitted to MB Financial.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 a Total of {$15000.00} dollars was wired transferred to XXXX and the amount I was given in writing to be received was {$300000.00} pesos with an exchange rate of XXXX. However, the amount received ended up being {$290000.00} pesos. The following day I went to Wells Fargo and to resolve the issue they took an additional {$560.00} from my account and wired transferred the additional {$560.00} dollars which was {$11000.00} to offset the difference while they investigated the issue. On XX/XX/20, Wells Fargo credited {$280.00} dollars as a courtesy into my account stating that because I requested the wire to go out in dollars they wired the money in dollars and that the note that was given to me with the {$300000.00} pesos would have been the amount received if I had requested the amount to go in pesos. This response does not make sense, please help as this seems that they are deliberately misguiding and defrauding their clients.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Reported accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- I contacted XXXX Citi and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for HURRICANE IRMA relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a IRMA hurricane victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} Hurricane relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted CITI BANK XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Account number- XXXX In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 specifically states " There is a need to insure that consumers that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. I am the consumer and Transunion, XXXX and XXXX are the consumer reporting agencies. According to 15 USC 6801 " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have the right to make sure my private information isnt shared. XXXX XXXX XXXXXXXX is a financial institution under title 15. 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other " in accordance with the written instructions of the consumer to whom it relates ''. XXXX XXXX XXXXXXXX, XXXX, XXXX, and Transunion do not have my consent to furnish this information. Any and all consent to XXXX, Transunion, XXXX, and XXXX XXXX  XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. It states in 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. XXXX XXXX XXXXXXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 '' This account is being reporting without my permission which is against the law. According to 15 USC 1681s ( 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 innacurate. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title '' XXXX, Transunion, and XXXX are not maintaining reasonable procedures at this time. 12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services regarding the account mentioned.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am filing a complaint against Synchrony Bank ( PayPal Credit ) for failing to properly investigate my dispute and wrongfully denying my claim based on incomplete merchant evidence. Synchrony has also changed its denial reasoning multiple times and failed to respond to my formal XXXX  complaint. 

I purchased concert tickets from XXXX using PayPal Credit ( Synchrony ) for {$4000.00}.

The original tickets were never delivered. XXXX provided a voucher as compensation. 
I used the voucher to purchase new tickets explicitly listed as " clear view. '' The tickets I received were labeled " limited view '' and had a significant obstruction. XXXX policy states that ticket issues must be reported within 48 hours of the event for a refund. I reported the issue within the required timeframe. Synchrony denied my dispute, first stating that the merchant sets refund policies and then changing their reason to " final sale/as-is. '' These shifting justifications show they did not fairly review my case. XXXX o

nly provided evidence of my original, undelivered ticket purchase and t he voucherNOT the actual tickets I purchased using the voucher. Their failure to review the correct evidence, shifting justifications for denial, and non-response to the
XXXX  show a failure in their dispute resolution process that needs to be addressed.
Product: Payday loan, title loan, or personal loan

I was applying online for loans and I got an email saying that I was approved and it said from 2000 to {$5000.00} it gave me alone code I talk to somebody on the phone and gave them all of my banking information and he said that he they had to deposit money into my account and then I had descended back to them so they could verify my checking account and when I asked them if it was a scam he said it was not a scam and hung up on me and now every time I call the number it just disconnects they do not answer This happened today XX/XX/XXXX and about XXXX XXXX and it's They have not taken any money yet I wanted to report it I'm not sure if they will his name is XXXX XXXX phone XXXX
Product: Mortgage

Over the course of my mortgage, it has been transferred several times to predatory mortgage service companies. The latest include a transfer from XXXX to XXXX XXXX. After a Covid-19 related job loss, XXXX XXXX offered a forebearance through the pandemic, then offered a mortgage modification consisting of a XXXXmonth " trial '' payments of {$710.00} each. Upon the payment of the first trial payment, the loan was transferred to Fay Servicing. It took several weeks before I could speak to them about the mortgage as their website seemed to be recently created. After contact was established, the remaining XXXX " trial '' payments were made days before they became due. In XX/XX/XXXX, after all required payments were expected to have been applied, they sent documents saying I had broken the modification agreement. In XX/XX/XXXX, the foreclosure documents began flooding in, several within the same day. At each time I contacted Fay, they said, " nothing to worry about, it will be resolved '' and " escalated '' to their managers. Upon being promised several times that I would get a callback from said managers, weeks pass. Each time I call, I waste an hour on hold, getting transferred, or hung up on. I want a forensic audit of the account from its inception and each lender to ensure payments have been properly applied. I am told that I am still being charged PMI but was supposed to " automatically '' drop off after XXXX  years. I also want to file formal complaints against XXXX, XXXX XXXX, and Fay Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the only Bureau to fix this, XXXX  and XXXX are unable to. I had a XXXX account from XX/XX/XXXX to XX/XX/XXXX, this was closed due to divorce and foreclosure. Since XX/XX/XXXX my debt has been sold twice and re-aged both times. The Current holder is Transworld Systems Inc located in XXXX XXXX, PA. They have my account listed as OPENED in XX/XX/XXXX. This is an illegal reporting under FCRA but with all of my complaints TSI said its accurate and the Bureaus ( with the exception of XXXX ) has accepted this.
Product: Credit reporting or other personal consumer reports

I called credit acceptance to remove certain items on my Equifax and Trans Union credit report and they refuse to remove it and theyre still showing a balance of XXXX on the credit report and not showing it removed off the credit report and I asked them to move it from Trans Union and Equifax And Trans Union and Equifax refused to remove it
Product: Mortgage

On XXXX. XXXX, XXXX, I emailed a letter, dated XXXX, XXXX, copy attached as Exh. XXXX, to XXXX XXXX XXXX, Dedicated Loan Specialist, Nationstar Mortgage , LLC ( " Nationstar '' ) ( XXXX, Ext. XXXX. Nationstar is the servicer for XXXX, which is the secured creditor whose loan is secured by a deed of trust lien on my rental property known as XXXX XXXX XXXX, XXXX, MD XXXX ( the " Property '' ). On XXXX XXXX, XXXX, the Bankruptcy Court issued an Order Granting me a Chapter XXXX Discharge of my debts ( Docket No. XXXX ) in Case No. XXXX, XXXX Bankruptcy Court for the District of XXXX, XXXX Division. Accordingly, I do not owe any amount to Nationstar. As stated in my XXXX XXXX, XXXX letter to Nationstar, although XXXX granted me a streamline modification, " it is clear that the terms of the streamline modification are unworkable and unrealistic. '' The monthly mortgage payment amount of {$3300.00}, which was computed by Nationstar based on a principal amount of {$600000.00} and amortized over a forty year term, clearly is unreasonably high. The {$600000.00} principal amount, in light of the {$260000.00} fair market value of the property which was agreed to by Fannie Mae in XXXX XXXX in my prior Chapter XXXX bankruptcy case, is completely unreasonable. Based on the property 's age of XXXX years and the conditions of the Property stated in the attached copy of XXXX XXXX XXXX XXXX 's Report, there is significant costly work which is needed to be performed to correct the serious issues with the conditions of the Property. 
Since my XXXX XXXX letter offer, I have decided that my XXXX XXXX XXXX property is pivotal to the financial health of my residential rental property business. If I were to be unable to reach a reasonable modification agreement with Fannie Mae, Nationstar 's client, I will have no choice but to file a Chapter XXXX proceeding. Accordingly, in an effort to preclude the need to go into a Chapter XXXX proceeding, I have decided to raise certain of the proposed terms of my XXXX XXXX loan modification proposal. The terms of my new loan modification proposal, which are set forth in the attached XXXX. XXXX, XXXX letter, are as follows : 1. The new current principal balance would be {$350000.00}, instead of {$260000.00}, as stated in my XXXX XXXX letter. 
2. The term of the loan would remain at 30 years. 
3. The annual interest rate would remain fixed at.4.5 %. 
4. The monthly principal and interest payment would be {$1700.00} with the first monthly payment to be made on XXXX XXXX, XXXX. 
5. The new monthly mortgage loan payment shall be comprised of the new monthly mortgage principal and interest payment of {$1700.00} and the appropriate monthly escrow amounts for real property taxes and for insurance. 

It is important to note that Fannie Mae, Nationstar 's client, was in agreement, going into the XXXX XXXX, XXXX Confirmation Hearing in my prior Chapter XXXX Case No. XXXX, that the value of the XXXX XXXX XXXX property was {$260000.00}. 

I believe that this new loan modification proposal is fair and reasonable under all the circumstances and that the proposal benefits both Fannie Mae and my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly reported to all three credit bureaus that I have never lived XXXX XXXX and I have never opened a XXXX XXXX or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$9100.00}, {$9700.00}, {$1800.00}, {$1800.00}, {$6100.00}, {$5100.00}, {$22000.00}, {$53000.00}, {$35000.00}, {$7400.00}, {$7800.00}, {$38000.00}, {$41000.00}, {$21000.00}, {$33000.00}, {$38000.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$11000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$9100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$1800.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$1800.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit Balance of {$6100.00} -This is not my account. 

7. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit Balance of {$5100.00} -This is not my account. 

8. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$22000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$53000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$35000.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$7400.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$7800.00} -This is not my account. 

13. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$38000.00} -This is not my account. 

14. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$41000.00} -This is not my account. 

15. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$21000.00} -This is not my account. 

16. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$33000.00} -This is not my account. 

17. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$38000.00} -This is not my account. 

18. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$19000.00} -This is not my account.