23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone gained access to my credit card and made purshases/changes that I did not authorize or regonize in XXXX XXXX. I disputed this information as I was told to do by a represenative they still reported a late payment
Product: Credit card or prepaid card

I never made any credit cards around XXXX XXXX Please dispute all credit cards that were made around that time I got hacked and took all my info from me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account and i have advised experian and the company sent in documentation they took it off my report then put it back on there and it shows i paid {$1.00} which is not true
Product: Credit card or prepaid card

My personal information ( including my social security number, date of birth, and credit history which provides important answers to security questions for identification purposes ) was stolen in the Capital One data breach as a result of the fact that I formerly had a credit card with Capital One. In XX/XX/2019, Capital One received an e-mail link to the stolen data which had been uploaded by the hacker to the website XXXX in XX/XX/2019 ( see Exhibit_A.pdf attached ). Despite this, Capital One continues to misinform the public and, not least of all investors in SEC filings ( see Exhibit_B.pdf attached ), that Capital One does not belief that the stolen data was disseminated by the hacker. 

As a result of the foregoing, in XX/XX/2019, and immediately after the announcement of the data breach, two credit card applications were fraudulently filed electronically with Capital One in my name, and the imposter also ordered a drivers license in my name. When I contacted the Fraud Department at Capital One, they refused to even acknowledge that there was a data breach, and they refused to provide law enforcement with the IP address of the imposter or the physical address ( for mailing the credit cards to XXXX or the phone number provided by the imposter, thereby obstructing justice in the process. It was only through my own hard efforts that I was able to finally obtain this information by myself for providing to law enforcement.

As if this was not enough, Capital One has refused to this day to provide me with free credit monitoring and identity protection, despite the fact that Capital One has also misrepresented to investors in SEC filings ( Exhbit_B.pdf ) that it will do so and, despite that fact that I e-mailed the CEO, CFO, and General Counsel at Capital One regarding all of the aforementioned matters. Among other things, I have had to incur the expense of paying for XXXX XXXX Ulitmate Plus as a direct and proximate result of the above wrongful conduct by Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/XXXX, I exercised my right under the Fair Credit Reporting Act, Section 609, to request all information regarding these listed accounts. XXXX # XXXX # XX/XX/XXXX this account was closed XX/XX/XXXX and charged off. TRANSUNION is showing on report number XXXX XX/XX/XXXX the above account is opened and has a late payment.
Product: Mortgage

Below is the issue : To : LoanCare Attn : Mortgage Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Error Resolution Notice under 12 C.F.R 1024.35 To Whom It May Concern : We received your reply, along with the payment history payment, however, it still does not address or rectify the issue. As you noted the initial payment after we fulfilled the terms of the Modification Agreement was {$500.00} short. However, the month before on XX/XX/2019, there is a {$500.00} credit that was applied thus lowering the payment the following month of XX/XX/2019 to {$2300.00}. We were never given an explanation as to what and why this {$500.00} credit was applied. It would seem to us that for whatever reason this credit was applied and then not considered when we made the payment the following month. 
Either way the error is/was not on our part and this needs to be corrected and updated immediately to reflect our true and accurate payment history. 

They refuse to acknowledge their mistake nor explain where and what this {$500.00} credit is. When I asked for all mortgage statements for 2019 Loancare conveniently omitted the XXXX statement that could have shed some light on this. 
As a result they keep saying we are 30 days late.
Product: Credit card or prepaid card

on XX/XX/2018 I had a taxi ride from XXXX airport to my home and was charged two times for one ride. There are two charges for exactly {$39.00} from XXXX XXXX XXXX on XX/XX/18. 

When I called XXXX XXXX XXXXXXXX Master Card I was told I can not dispute a bad charge once it is past 100 days old. They were able to confirm seeing the two identical charges the same day from the taxi company yet they refused to dispute the charge and asked me to call the cab company. 

I called the cab company, XXXX XXXX XXXX XXXX and they said they have no records from last year and instructed me to call XXXX who handles their billing. I called XXXX XXXX and they also confirmed they see the double charge, but could not help due to the amount of time that had passed. 

I have attached a copy of the credit card bill which shows the two {$39.00} charges from XX/XX/18. ( There is also a {$39.00} charge from XX/XX/XXXX but nothing wrong with that ) Best wishes, XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi, Two months back I was offered a credit card by CITI bank with wonderful features, the main feature of the card was CASH BACK, sales executive who offered me card had told me that I will be getting 5 % cash back on all the transactions made irrespective of the limit of amount and types of transactions. However this card was chargable annually. I was fine with the card features and ready to pay the annual charges. I enrolled for the card and I received the card as well, for the first month I received bill only with the annual charges as I did not make any transactions during first month. In the second month I made a transaction of 17000.00+, however I didnt receive the cash back as promissed while selling the card. When I enquired with Customer care executive they told me that I should accumulate minimum XXXX points so that I can redeem with cash of XXXX XXXX ( XXXX points=XXXX XXXX ) and the cash back will be provided on movie ticket and not all the transactions. I informed to customer care executive that I was promissed with different features only because of that I opted this card. They raised the ticket with the reference XXXX however I am not getting any resolution for the problem. It is almost 10days that I am following up but issue remain same. I have all the recorded with me which I have had with sales executive and customer care executives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to correct the inaccurate information that has caused me to be denied from refinancing my home with XXXX & obtaining a personal loan with XXXX XXXX XXXX XXXX. I have sent numerous dated certified letters to Equifax as well as XXXX XXXX XXXX XXXX. ( who is the debt collection company ) that placed this inaccurate statement on my report. These two entities have reluctantly taken over 45 days to respond to me as well as provide any verification that a debt is owed especially since this is considered a medical debt and now refuse to investigate and respond back to me regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was sold to a company that I know nothing about. I want them to destroy any information they have on me and get rid of that debt. I know nothing about it. I believe that is against the law. 

I also have some medical bills that were sold that I want destroyed and off any account that you have with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called all 3 credit bureaus for them to remove the fraud alerts off of my credit reports. Please do so immediately.
Product: Mortgage

Made an on-time mortgage payment to Wells Fargo Home Mortgage, via online bill-pay, on XXXX. Wells Fargo extracted an additional payment from my account just XXXX  days later ( on XXXX ). I am the sole provider in my family ( wife stays at home with our children ) and need this money for other bills. Contacted Wells Fargo ... and informed them of this mistake. I requested an immediate refund OR a grace for the XX/XX/2019 payment. The first person could not help me ... and transferred me to a supervisor. She could not help me either, and referred me to the executive offices. I am now waiting for them to contact me ... meanwhile, I am out this money.
Product: Mortgage

This is our second complaint regarding our mortgage company ( Caliber Home Loans ) and our efforts to secure a loan modification. Our original complaint # was XXXX. We are submitting another complaint as we continuously believe that the escrow amount that Caliber has assessed is more than XXXX what is needed to cover all taxes. As a result of our original complaint, Caliber claimed that the total of all of our taxes are {$580.00} per month which we agree with. They are adding {$880.00} onto the {$580.00} for a total of {$1400.00} just for our escrow. This is more than than XXXX what is necessary. Consequently, our total mortgage payment is ridiculously high ( {$2300.00} ). We have been trying for some time to get a loan modification with Caliber. It has been difficult to say the least, and efforts to get any questions answered via phone is impossible as customer service representatives are unable to answer questions or direct us to someone who could answer the questions. Caliber recently offered us a loan modification agreement which resulted in the {$2300.00} per month payment which included an interest only payment of {$200.00} which we understand and {$690.00} which is an ancillary payment over a XXXX month period to cover taxes paid on our behalf. We understand this as well. Then, an escrow payment of {$1400.00} is being added onto that for our current and future taxes. The total of our taxes per year is {$7000.00}. When we reviewed Caliber 's breakdown that they revealed in the original complaint, {$580.00} per month was necessary to cover the {$7000.00} taxes for the year, and then they added {$880.00} per month onto that for a cushion. We feel that this escrow payment is ridiculously inflated and unnecessary ; however, Caliber will not consider a review to possibly reduce it. At the end of the year, with an escrow payment of {$1400.00}, we would have accumulated {$17000.00} which is enough to pay this year AND next year 's taxes and STILL have some left over. We just do n't understand this at all. Please please please help us with this. We appreciate any help you can give us. To be honest, we are totally disgusted with Caliber Home Loans, and we do n't trust them at all. The loan modification process was a nightmare as they told us that they do not participate in President O'Bama 's modification programs and would have to rely on their own in-house programs. We have watched unexplained charges accumulate at an alarming rate over the course of a year as well. We did n't choose this company, we inherited Caliber. At this point, we just want the truth and an honest loan modification that we can trust and have faith in. The fact that Caliber representatives can not answer our questions or direct us to someone who can is so alarming and has us believing that this company is dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX have tried on several occasion to resolve my issues with Transunion everytime i file a CFPB report they keep using a stall tactic and stating that they need verification from me to proceed this is very frustrating and i feel like i am being taken advantage of. There are 3 accounts that are being reported on my credit report that i need removed which is XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX BECAUSE MY CONSUMER RIGHTS HAVE BEEN VIOLATED, I HAVE SUBMITTED AN AFFIDAVIT OF TRUTH AND GOT IT NOTORIZED THIS IS THE LAST CHANCE I AM GIVING TRANSUNION TO FIX THIS ISSUE BEFORE I SEEK LITIGATION, I NEED THOSE 3 ACCOUNTS LISTED ABOVE REMOVED PERMANENTLY FROM MY CREDIT REPORT.
Product: Checking or savings account

Dear Bank of America : This letter serves to request the cashiers checks be released from the CLOSED Account of XXXX XXXX XXXX, XXXX, business checking and savings account. 

The FDIC Law, Regulations, Related Acts and 6500- Consumer Financial Protection Bureau provide laws and specific guidelines that protect consumers when bank accounts are closed. XXXX XXXX XXXX XXXX, is within this class of protection. Bank of America is within its depository rights to close the accounts, but can not capriciously hold the funds, harass me, interfere with my constitutional rights and hurl XXXX  XXXX onslaughts! 


Bank of America initiated closing both the business checking and savings accounts on XX/XX/XXXX denying access to funds. 

Bank of America completed their investigation of XXXX XXXX XXXX, XXXX and submitted a Notice of CLOSURE dated XX/XX/XXXX. The NOTICE stipulated that funds from the account would be mailed 3-5 business days in the form of cashiers checks. 

Bank of America, various departments have been contacted from XX/XX/XXXX until XX/XX/XXXX when the cashiers checks were not received. Their is no justification to hold my funds denying my constitutional rights to life, liberty and the pursuit of happiness ( unpaid mortgage, utilities, insurances, food and clothing ). 

Due to the blatant and appalling hold on the cashiers checks ; I am further requesting compensatory and punitive damages be assessed accordingly for each day after the legal time, Monday, XX/XX/XXXX. 

I AM, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX https : //www.consumerfina Sent from my XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX was submitted on XX/XX/2024 and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently become an adult and monitor my account like I should. I purchased a XXXX account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the XXXX premium service and found that there were to credit cards opened in the name XXXX XXXX one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes with XXXX, via certified mail & on the app but theyre failing to do a proper investigation or will update the account even when I give proof the account isnt mine or it was resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several inquiries made on my credit report without my authorization. I received a letter from XXXX advising me that my credit was compromised due to a security breach within their organization and further advised to check my credit. Upon checking my credit, I discovered all of the unauthorized inquiries to the following companies : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/2021, XXXXXXXX XXXX  XXXX, XXXX, XXXX, JPMCD CARD-XXXX, XXXX XXXX  XX/XX/2021, XXXX XXXX, XXXX 'S XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'XXXX  '. 

He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. 

After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. 

I talked to XXXX numerous times with police report for fraud too. 

1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} Opend XXXX All I want XXXX takes my name off these loans. 

My sign was not notarized for these loan. All done under electronically.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this inquiry neither did I authorize it
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I certified mailed a letter disputing an erroneous account on my credit report asking TransUnion to investigate this, provide me with the documents used to verify and validate the account, or delete the account immediately from my credit report if they could not. It has now been more than 30 days since they received the letter ( which I have proof of ) and they have not responded nor have they removed the account. I have attached the original letter mailed on XX/XX/2022 ; as well as a failure to comply letter updating them on their willful negligence to comply with my request, the Fair Credit Reporting Act, and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The us court has verified this debt was never validated and it is not being reported correctly.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Debt collector is calling before XXXX on multiple Occasions. They have my address so they clearly know where I live and that it is in pacific time. It has happened several times as early as XXXX XXXX. I asked them to stop and why would they call so early when its obvious the time given you have my address so therefore should know my time zone.
Product: Credit card or prepaid card

My account was opened on XX/XX/2020. I received a letter from Chase dated XX/XX/XXXX stating that they had decided, because " continuing the relationship creates possible reputational risk to our company. '' They said the account would be closed on XX/XX/2020 and that I should get my affairs in order. 

When I called to find out what the issue was, I was told that they were not obligated to give me a reason. 

There were no late payments, no suspect charges or any excess charges, which leads me to believe that I am a victim of a violation of the Federal Equal Credit Opportunity Act.