23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One Disputes XXXX Disputes and Transaction Rebills XXXX XXXX Last XXXX Account # : XXXX Last XXXX Social : XXXX Listed below are XXXX transactions which I have disputed, all of which I have contacted and given you a detailed explanation of the reasons, which at the time your agent process a credit to my account. Since then, you have contacted the merchant claiming they have provided proof the charge is valid - which is absurd, when all they have sent you is a copy of the charge document - they do have a document with my name on - call transcripts - any type of written, signed affidavits, or any type of legal document. 
It 's amazing to mean that we, your customer believe your " {$0.00} Liability Protection '' yet when we call with a dispute, we are required to provide written, legal, signed documents, almost provide our blood type and swear on a XXXX before you will actually remove this charge from our accounts - yet the Merchant can send in XXXX screen shots, most of which you ca n't read and you are so ready to make a TRANSACTION REBILL and make us jump through hoops to get you to believe what we have told you. 
I believe your marketing should be towards the merchant - " ZERO CHARGEBACKS, NONE OF OUR CUSTOMERS HAVE THE TIME OR ENERGY TO FOLLOW THROUGH! '' I WANT THESE CHARGES REMOVED FROM MY ACCOUNT - YOU HAVE THE REASONS AND MY CALL IS MUCH MORE VALUABLE THAN A SCREEN SHOT FROM ANY MERCHANT. 
I WILL EXPECT A CREDIT TO MY ACCOUNT IN THE AMOUNT OF {$330.00} WITHIN 5 BUSINESS DAYS. Listed below is a detailed account of each dispute with your Transaction Rebills listed below each one. 
# Date Merchant Amount XXXX. XXXX/XXXX/XXXX XXXX {$74.00} XXXX/XXXX/XXXX Transaction Rebill {$74.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX {$120.00} XXXX/XXXX/XXXX Transaction Rebill {$120.00} XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX {$54.00} XXXX/XXXX/XXXX Transaction Rebill {$54.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX {$83.00} XXXX/XXXX/XXXX Transaction Rebill {$55.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please feel free to contact me at XXXX or XXXX if there is any discussion you need to have with me. 
Thank you, XXXX XXXX
Product: Mortgage

Value of the property is XXXX and the loan value is XXXX, I am beyond 30 % of current value of the property. 

They are making me wait 20 days to review the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a new credit card and a mortgage loan. Every time any lender tries to get my information from Equifax it gives them a frozen or information unavailable notice. No one other than me logging into a Equifax account I created can get the credit score/report. This is causing me huge headaches and issues in my life. I cant view it on a free credit report, XXXXXXXX XXXX  hasn't updated since XXXX, and no lender has been able to get anything since XXXX. I have tried to resolve with Equifax at least 10 times and either get told everything is fine or that it must be the lenders fault. I have been ignored hung up on and overlooked. I have confirmed that nothing is frozen on my end. Overall i just need people to be able to access my credit
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These names, addresses, and employment information : NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. EMPLOYMENT INFORMATION : XXXX XXXX, XXXX XXXX, are inaccurate. According to 15 USC 1681s-2, 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 card

I paid my credit card statement on the day it was due. The statement shows a due date of XXXX XXXX. There is no disclosure on my statement stating the payment is due before a certain time and time zone. I paid about XXXX CST only after I attempted to call twice and was on hold for long periods of time BEFORE XXXX CST to make a phone payment. I could n't get through, so therefore I went to pay online. by it was passed XXXX CST by a few minutes. The system would not allow me to pay on XXXX XXXX, and I was FORCED to schedule the payment for XXXX XXXX. This process incurred a late fee of {$25.00}. I have emailed them several times requesting them to waive the fee due to the issues I had trying to pay by phone. They have disregarded my request. I have explained to them that their statements do not disclose a " cut off : '' time. I specifically shows to pay by the due date. I am asking to have late fee removed and any interest that incurred due to the late fee.
Product: Checking or savings account

Approximately on XX/XX/XXXX, Ally bank called me to ask if I just made a purchase for {$420.00} which I responded " no '' and asked them to stop the payment if they could. They then asked if I wished to dispute this transaction.to which I said " Of course ''. They said they would cancel the payment and send me a new credit card and I should destroy my existing card. I checked my online account and seen the charge was not paid but in a " pending '' status. I waited 2 days and checked again to see if the purchase was cancelled. The status showed the payment went through. I called Ally and they said I had to go through their dispute process over the phone which I did at this time and was told to call back in 10 days for results. After a couple of weeks of no results from Ally, I contacted the vendor who said they had me on a subscription list from the one-time order that I had placed with them 6 months earlier. I requested to be taken off that subscription and they said they would refund the money if I cancelled the dispute. The purchase was made through XXXX who said once I cancel the dispute with Ally, Ally should automatically send an electronic notification to them of the cancellation so they can cancel it on their system also. I cancelled the dispute with Ally who did not notify XXXX. During several calls in the following weeks, Ally kept making excuses as to why they did not notify XXXX and promised to correct it until my last call where they said they would not notify XXXX electronically and I was forced to refile a dispute to get my money back and was told to call back for results in 10 days. When I called back, I was told the Ally dispute dept. had cancelled my dispute and to refile another dispute. This time they would make a special note that this dispute should not be cancelled for any reason. I was told to call back in 10 days for the results. I called back and was told the dispute was again cancelled by the Ally dispute department and that I should refile the dispute again and they would make a note not to cancel again. I stated that is exactly what I did last time and that it has been 3 months that my money has not been accessible to me. They said that is their procedure and they can not contact XXXX directly to clear the status of this transaction. XXXX insists they can not clear the transaction without a direct electronic notice from Ally Bank. Still my money seems to be in an indefinite limbo between these two banks policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX PL XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

First Credit Services calls me at least 5 times a day from multiple area codes. I have blocked many of their numbers and they continue to call. Here is just a list of the numbers I have had to block to try and get some peace. 

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
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct or remove. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected or remove : XXXX XXXX XXXX XXXX XXXX : {$3300.00}. XXXX XXXXXXXX XXXX XXXX : {$0.00} - removed.
Product: Debt collection

ERC reported that I owe this XXXX and they put it in collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Product: Debt collection

I have repeatedly sent the debt collectors to validate the debt proving ownership to no avail. I am looking to seek legal action to all three debt collectors on my credit report.
Product: Mortgage

SN Servicing Corporation provides mortgage servicing on a loan I took out in XX/XX/XXXX. The loan was to be interest only for the first 120 payments and then fully amortized after that. The amortized payments were to begin with the XX/XX/XXXX payment. However, SN Servicing failed to determine the new payment amount and showed a interest only payment due in XX/XX/XXXX. On XX/XX/XXXX, I called SN Servicing to see why they had not adjusted the billing amount for the fully amortized payment. XXXX XXXX, the service representative, stated that she would have applicable department determine the payment amount and she 'd call me back that day. After receiving no phone calls, I again called on XX/XX/XXXX, this time XXXX said she just got the information required and the new payment amount would be forthcoming. I finally received an email from XXXX on XX/XX/XXXX with the new monthly payment amount of {$420.00}. She also included the amount due of {$260.00} for XX/XX/XXXX since I had already paid the {$150.00} that was shown on the billing statement SN Servicing had provided previously. The next day I logged into my account with SN Servicing and made an ACH payment of the {$260.00} that was due. The payment posted that day along with a late charge of {$21.00}. It 's unbelievable that this company can fail to accomplish their contractual obligations, fail to provide information in a timely manner as they had promised, and then charge me a late fee.
Product: Credit card or prepaid card

I filed a claim with bank of America XXXX XXXX  for theft of my first card and they auto denied my claim.i never received my first card because someone stole it and used all my XXXX XXXX.all the transactions that before XX/XX/XXXXare done by whoever stole my card.when I found out that I can file a claim and I filed the claim.i just received a letter from them saying that they denied my claim.they don't have no reason to deny but still they did.i even told them that m ready to provide them with whatever they want but they are not listening.when I ask them the reason then they don't have any answer.so please help me with this.i never received any help during the covid and now when I found out that I can get my money back they rejected my claim.so plz help me out with this I will be really grateful.thank u
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX  XXXX - {$3800.00} XXXX XXXX XXXXXXXX XXXX - {$4900.00} XXXX XXXX XXXXXXXX XXXX - {$2200.00} XXXX XXXX  XXXX XXXX - {$2300.00}
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it emphasizes the need for consumer reporting agencies like TransUnion, XXXX and XXXX to handle their responsibilities fairly, impartially, and with respect for consumers ' privacy rights. As a consumer, I assert my right to ensure the protection of my private information, as outlined in 15 USC 6801, which underscores the obligation of financial institutions to respect customer privacy.

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish a consumer report based on the written instructions of the concerned consumer. I want to explicitly state that neither XXXX nor XXXX, nor the entity furnishing information to credit agencies, have my consent, whether verbal, non-verbal, written, implied, or otherwise, to share my information.

Referring to 15 USC 6802 ( b ) ( c ), I have not been informed by the furnisher of information about my right to exercise a nondisclosure option, which is a violation of my privacy rights. Additionally, the reporting of adverse information without my permission contradicts 15 USC 1681C ( a ) ( 5 ), as adverse items should not be reported without authorization.

Pointing to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it explicitly states that information should not be furnished to a consumer reporting agency if there is knowledge or reasonable cause to believe it is inaccurate. TransUnion, XXXX and XXXX are failing to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e.

Furthermore, as per 12 CFR 1016.7, I am exercising my right to opt out of the reporting services at any time. This is in line with the broader legislative framework aimed at safeguarding consumer rights and privacy in financial transactions.
Product: Debt collection

The representative contacted my mother after not being able to reach me on my line. Once I got to the phone, I attempted to inform the representative that I would send a written response to the letter I received in the mail within the 30 day response period. 

The representative then began to get hostile, unprofessional, abusive, and back me into a corner to force me to accept responsibility for a debt that is an inaccurate reporting. I informed her that I would be disputing the account in a written response but she attacked me in a manner that was extremely disgraceful. I do not appreciate being spoken to in a condescending manner or harassed after I repeatedly asked her to stop. I would like to have no further contact with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have be in touch with Equifax consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Equifax numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Equifax has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Equifax has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act.
Product: Vehicle loan or lease

My ex wife and I purchased a car in XXXX of XXXX with poor credit. I traded in a XXXX XXXX XXXX and placed {$3000.00} down at XXXX XXXX XXXX. I have been paying the payment of {$450.00} every month. As of currently, 3 years later, I still owe XXXX. I originally was paying down XXXX. My loan is through Regional Acceptance and I have an interest rate of 18 %. I believe this is predatory lending.
Product: Checking or savings account

From XXXX to XXXX I had a well Fargo checking and savings account. I received XXXX money direct deposits every month and had pretty good track of my money around XXXX I noticed that my account was overdraft more than usual and I was getting charged fees for not having a certain amount of money in my account so I noticed they were taking money from my savings and adding it to my checking account but still charging me an late fee!
Product: Debt collection

Wakefield and Associates sent me a bill in the mail. On the bill it stated that one of the accounts was from 2006. Which is over 14 years ago. The statue of limitations is up on that debt. Wakefield Associates never verified or sent any requested information pertaining to the debt. For the debt over 14 years ago they are in direct violation of the FCRA. They are also in violation of the FCRA for not validating that the debt is accurate or that they actually have the right to collect on it.
Product: Debt collection

I am a victim of identity theft. I previously mailed this company notification of the identity theft and did not hear a response ( although I mailed it to XXXX and to be fair they were hit by a hurricane a few days after ). I did not live at XXXX XXXX XXXX, nor have I ever. My address at the time was XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX. You XXXX call the XXXX Apartment complex and confirm that is where I lived. I never met or spoke to any representative from XXXX XXXX which is the apartment building located at XXXX XXXX. My apartment at XXXX XXXX XXXX was robbed and my identity documents were stolen. I filed a police report with the XXXX Police Department after the theft. The police report number is : XXXX Several utility and credit accounts were also opened in my name using this fraudulent address. I alerted all creditors who did an investigation and found the accounts were not opened by me and they removed the accounts from my name. I filed an FTC identity theft affidavit to alert to FTC to this fraudulent address being used in my name. Attached to this complaint are letters from creditor & utility companies that used this fraudulent address to open these accounts, my ID and the FTC affidavit. The police report can be confirmed by calling the XXXX Police Department 's automated system and entering the police report number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX