23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a purchase a fire arm part from an online site. A few days later I noticed both of my credit accounts were closed. I asked for what reason were they closed & did not receive an answer. I asked what day it was closed & went back to see the last day I used the card, which was when I purchased the part. They gave me information to contact the risk department & someone there told me my accounts were closed because the bank made a business decision & or it was closed for irregular activity.
Product: Debt collection

I have a debt from XXXX account No # XXXX for XXXX paid on XXXX 2021 refusing to update my credit report. I have proof of payment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/ I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$5800.00}
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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

I am myself and I am submitting this information from my personal com0uter. This is XXXX XXXX, My Information isnt correct. I have enclosed all verification documents of my identity. I am submitting this complain myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but these did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I appreciate you helping me with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to XXXX to remove Mercedes-Benz Financial Services USA LLC because of identity theft. XXXX sent me a letter stating they did a reinvestigation and verified my information with Mercedes Benz Financial Services USA LLC ( MBFS ). XXXX did not remove the information as required by 15 USC 1681c-2 ( a ). XXXX violated my rights by contacting MBFS for a reinvestigation pursuant to 15 USC 1681d ( 4 ) and 15 USC 1681i ( 5 ) ( A ). 
I have filed an Identity Theft Affidavit with the XXXX website and do not understand why XXXX would contact MBFS with my information ( ssn, birth certificate ) and other PII, when MBFS is the company that did Identity theft. MBFS gave my personal identifiable information ( PII ) to a third-party company who stole the vehicle from my home, which is the reason ID theft was filed against them. 
In addition to identity theft, MBFS has sold the alleged debt to a company called XXXX XXXX XXXX with reference number ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on and I noticed an unauthorized inquiry had been made.

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX  inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Mortgage

Caliber Home loans has failed to send my Homeowners Insurance Policy payment in a timely fashion, the payment was due on XX/XX/XXXX and set to expire on that date if no payment has been made. Caliber claims that they sent the check to XXXX on XX/XX/XXXX. Today on XX/XX/XXXX XXXX still has not received the payment from Caliber. XXXX has repeatedly stated that there is a 30 day turn around for policy payment applications that are part of a bulk amount from a mortgage company. Caliber Home loans admittedly was aware of this policy and claimed they were never billed directly by XXXX and therefore never made the payment. XXXX XXXX ( XXXX : XXXX Phone # : XXXX ) a Caliber home loans employee refused to connect me with upper management, refused to issue another check to the insurance company and refused to resolve my call on the line. Because there is water in my basement and XXXX wont process my claim until the payment is received I am stuck. XXXX refused to help me any further and told me to simply wait until XXXX got the payment. When I stated this was not sufficient she told me I could get a manager call back within 2 business days. As my situation is not one that can wait I told her that I needed to speak to someone today, she refused eventually disconnecting my conference call with her and the insurance company. She consistently placed blame on the insurance company and took no responsibility on behalf of Caliber for them allowing less than 5 business days for the check to reach XXXX and be applied before the expiration date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Identity Theft 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account nameXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, have violated my rights 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: Credit reporting, credit repair services, or other personal consumer reports

Recently received a notification on XX/XX/2023 that I have a new Hard Inquiry on my credit report originating from " WF CRD SVC. '' I immediately reached out to XXXX to create a notification next time my credit is run and also reached out to Wells Fargo to let them know that this was done without my knowledge.
Product: Debt collection

XXXX XXXX, XXXX has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with XXXX XXXX XXXX XXXX . The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, XXXX XXXX XXXX XXXX is practicing UNJUST ENRICHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to report inaccurate information on my credit file. 
Also, XXXX has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

XXXX sent me an updated credit report recently, that shows XXXX XXXX bankruptcy case blocked. However, XXXX has a Court order judgement that expunged all 3 fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, XXXX is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX XXXX complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info
Product: Credit card

I was XXXX  at the time my payment was due and just couldnt bring myself to make the payment online. I am now able to make it but I am disgusted with the company. They have called me 15 times in the last 3 days. Including calling from a phone number that says no caller ID. The card is Victorias Secret issued by community bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX items on my Equifax and XXXX XXXX reports that are not mine and are ( fraud ) due to a identity theft I endured, i sent them and I have written numerous disputes for the last year or so ive sent police reports, circled the items, ive sent the FCRA 605B, told them on the phone the problem, everything was done according to the law, and these companies refuse to remove these items on my reports, they are breaking the law and I have now seeked out an attorney to sue both these companies in court, i demand that these fraudulent items be removed from my reports immediately.
Product: Money transfer, virtual currency, or money service

Good morning. 
XXXX could you check my Tracking Number Because I sent money from XXXX but the money hasn't receive to myXX/XX/XXXXbank Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma said that the credit cards saying I was pre approved for, were incorrect, causing a hard hit to my credit score. This effected my house buying g process.
Product: Mortgage

We did a refinance back in XX/XX/XXXX 2022 of the new home that we had purchased in XXXX of 2021. The lender we purchased our home from sold our loan to XXXX. So we pursued doing a cash out refinance with them and closed on that loan with XXXX XX/XX/XXXX 2022. To ensure that our taxes and insurance was accounted for we opted for Impounds to make sure they were covered. Our mortgage payment went up about {$300.00} ish dollars more a month bringing it to {$2900.00} a month. We have lived here for not quite two years now. Yesterday I got an email from XXXX saying that our payment was going to be updated due to the recent Escrow Analysis they had done on XX/XX/XXXX. I was beyond shocked and worried sick to find out that there was a {$7000.00} shortage in our escrow account and that we had to either pay {$7000.00} before XX/XX/XXXX or our mortgage would be going up to {$3900.00} a month to cover that deficit. When doing further research, I found out that even if we pay the {$7000.00} escrow shortage our mortgage payment would still be going up to XXXX XXXX.That is {$410.00} more a month than we are paying currently and we are struggling to even keep up with the {$2900.00} as everything has gone up. I worked as a XXXX XXXX XXXX and XXXX XXXX XXXX for almost a decade so I wondered how could this have happened when taxes and insurance are supposed to be collected up front in reserves to account for this. I am fully aware that XXXX has no control over what the property taxes and hazard insurance may fluctuate and increase to overtime but when I looked at the Closing Disclosure from when our loan closed back in XXXX I see that the Loan officer did not take out nearly enough to cover taxes and insurances and have enough in reserves to account for the fluctuations in taxes and insurance that inevitably were going to happen over time with the escrow account already starting out with not enough funds since we closed. We believe that the loan officer / XXXX  undercut the taxes and insurance so that we would qualify for the loan to keep the debt to income ratio low and payment below {$3000.00} and to obtain the business. Knowing full well on the back end that this was going to set us up to fail in the future and put us in the immense severe financial hardship down the road. This loan should have never been approved .We regret doing it and now we may quite realistically lose our home because of it. We just want to start the conversation about what recourse we may have to rectify this devastating situation or at least inform others so that they don't go through the same thing we are now having to go through.
Product: Credit card or prepaid card

I have been charged with three late fees for payments I am making on a 0 % interest card if paid in full within 12 months. The credit card company is refusing to refund me the late fees.
Product: Debt collection

On XXXX XXXX, 2016 I paid a debt for {$110.00} and {$150.00} to XXXX XXXX XXXX XXXX with my credit card. Per our agreement, the debt was to be removed from my credit reports and they were supposed to send me a receipt of payment. To this date, they have not sent me any notice in the mail to state the account is paid. To make matters worse, now the same identical debt that has been paid is now being collected upon through Capio collection agency. So now I have XXXX debt collectors trying to collect on the SAME debt that was already paid in full! I am going to attach the letter from XXXX XXXX XXXX XXXX that they sent to the XXXX on XXXX XXXX, 2016 stating the debit is satisfied and should be removed. I dont understand why they are refusing to remove it and have sold it to Capio for further collection efforts when it has been paid in full. My next step will be to secure an attorney to seek damages for failure to adhere to the FCRA. I already advised Capio that the debt had been paid and offered to give them all the information to contact XXXX XXXX XXXX XXXX but was told they do not do that. I have provided a copy of my credit card statement showing payment but they will not accept that. I am attaching proof from XXXX that states it is paid as well as the better business reply that it is paid.
Product: Debt collection

XXXX is reporting credit card collection to the credit bureaus. XXXX XXXX XXXX claim that they purchased the debt. I was not notified that the debt was being sold or purchased. The original creditor was capital one. The debt was disputed as fraud, but not investigated properly. According to section 605B it is illegal to report anything without my permission. I didn't receive a 1099c. Also 15 USC 1692c. By sharing my personal information they are in violation of 18 USC 1028 and 15 USC 1681. Please remove these items from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are also reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Please edit the prior. XXXX opened a credit card for me with Barclays without my permission. I didn't get the card. Someone then charged on XXXX days, XX/XX/XXXX and XX/XX/XXXX {$64.00} on the card. Barclays won't share the account number or the statement with me. They emailed me to pay the bill. I can't pay online without an account number, so I called them. That's when I learned that these don't match any purchase that I made with XXXX XXXX or XXXX, as my last order was on XX/XX/XXXX for {$40.00}.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from all 3 credit bureaus. Upon checking, I can see that there are several unauthorized hard inquiries on my reports that are interfering with my ability to obtain credit and maintain a favorable score. 

The unauthorized inquiries are as follows : XX/XX/XXXX: 1. XX/XX/XXXXEquifax : 1. XX/XX/XXXXI have contacted all three bureaus requesting to have these hard inquiries removed ; however, the response I'm getting is not providing the results needed to have this matter resolved.
Product: Credit card or prepaid card

I, XXXX XXXX and natural person, was denied credit by MILESTONE MASTERCARD when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX of whom I am the Executor of the Estate/Trust of XXXX XXXX XXXX XXXX through a XXXX form from the Treasury with a XXXX with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my OWN credit, when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ).

You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by MILESTONE MASTERCARD due to the response I received.

MILESTONE MASTERCARD is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of MILESTONE MASTERCARD 15 U.S.C 1602 ( p ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters validating they received my drivers license proving it's me disputing my credit report and disputed inquiries. They STILL HAVE REFUSED TO REMOVE XXXX INQUIRIES FROM MY CREDIT REOPORT in the last 3 months. This is wasting my money and time. I want the XXXX inquiries removed immediately. I have never known anyone to help someone else out and remove inquiries making send proof of identity. I dont know if they were being funny. But this is negatively effecting my credit score. They are fraudulent and/or unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS GETTING VERY AGGRAVATING, SINCE THIS IS THE 4TH TIME I HAVE TRIED TO GET THIS PROBLEM RESOLVED!!! Equifax is continually reporting payments being made on a CLOSED XXXX XXXX account! Please look at my history of complaints and I am STILL waiting on Equifax to resolve my previous complaints. Equifax just reported my XXXX mortgage payment, along with my XXXX mortgage payments, to the CLOSED ACCOUNT ONCE AGAIN!!! Is there anyone or any agency that governs Equifax or are they just free to do whatever they choose and XXXX around with people 's credit which affects their score??? Better yet, is there anyone who really cares??? I have suffered financially due to their ERROR, as I have not been able to obtain funding for my business!!! What can be done other than sending complaint, after complaint, after complaint and nothing is HAPPENING???? I am not satisfied with any service I have received!
Product: Checking or savings account

I am writing to seek your assistance regarding a financial transaction that has remained unresolved for an extended period. This issue involves a transfer of funds between XXXX XXXX and Chase Bank, which has been pending since XX/XX/2023. 

Transaction Details : Sender 's Bank : XXXX XXXX XXXXXXXX XXXX XXXX  : Chase Bank XXXX : {$1000.00} USD Date of Transaction : XX/XX/2023 Confirmation Number : XXXX The transaction was initiated by my friend, who is a customer of XXXX XXXX, intending to transfer {$1000.00} to my account at Chase Bank. Despite the lapse of a considerable time since the initiation date, the status of this transaction remains 'pending. ' As a result, the funds have not been credited to my account.