23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My wife and I were honeymooning in  XXXX  over the holidays in  XXXX . On our first day in  XXXX ,   XXXX   XXXX   XXXX  , we were taken unexpectedly through an elaborate manipulation that landed us in  XXXX   XXXX , a tailor that we thought at the time was legitimate but soon after realized we had been swindled out of {$1700.00} in clothes. Within the hour we immediately ran to the hotel, and confirmed our fears with the front desk who advised us to call our bank right away. So, we did. While my wife was on the phone with CHASE I used the hotels cell phone to call the store, talked with the owner and after much debate we hung up confirming the cancellation of the sale. As my wife wrapped up her conversation with CHASE what was understood on our end was that the charge would be placed on hold and would not go through. Our next course of action was to then take it up with the Fraud Department, which we did. However, in  XXXX  we received a letter in the mail that  Chase  ruled in favor for  XXXX   XXXX  because I signed a " no refund '' receipt. So I then contacted the  Executive  Office of Chase on   XXXX   XXXX   to, once again, explain our case. The Executive Office responded now that they can no longer help us either.    1 )   XXXX   XXXX  manipulated a sale. It is a fraudulent situation. There are many  XXXX   XXXX  reports stating the same thing. We would be happy to print them up for you and/or send web links for your records.    2 )  We called right away to confront and stop the charge. We followed  Chase  's directions which was to contact the merchant and agree on the cancellation of the sale.    3 )   XXXX   XXXX  is lying in their report. They never came for a second fitting to our hotel. They didnt make our garments already ; there is no way. Its impossible. We called them, and  Chase  within an hour after leaving the store.    4 ) If they DIDNT  cancel the sale then they should have sent the garments to our hotel in  XXXX  on   XXXX   XXXX   XXXX  , which was the initial agreed upon shipping location and date. That never happened.    5 )  We dont understand why the money was released and even processed to  XXXX   XXXX . The whole reason we called right away was to catch the processing of the payment before it went through, which we understood was successful on   XXXX   XXXX
Product: Debt collection

twenty two t housands dollars charged by a fake account holder who uses my name since   XXXX   XXXX   XXXX     and have all the documents that the fake account with a diffrent adresss and citi found that it is all fraudulent activities, they have not come clean or explained what happened. my name has been given to collecting agency with negligence and they are not willing to restore my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts of capital one and credit one bank, have 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 at open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I purchased a new home, closed XX/XX/2022 with XXXX Mortgage. It was known to them that I would be doing a recast on my VA loan after we sold our existing home. This was allowed by XXXX, prior to XX/XX/2022 they sold/ transferred my mortgage processing to XXXX Mortgage. I contacted XXXX mortgage around mid XXXX to start the recast process on my mortgage. I was instructed by their operator that they would note it on the account & I was to send in the funds that I wanted to use for the recast of my mortgage. I wired them {$150000.00}. I was told upon receipt of that, it would start the process, they would send the recast documents & I would sign and return them. I waited roughly XXXX weeks, no documents. I called them on XX/XX/XXXX, spoke with XXXX from their escalation team, they had misappropriated my funds as a principal payment. She tried to have it reversed & for them to do the recast on my mortgage. Once again I was told to wait while she worked on it. I waited another week to 10 days, called them back again & spoke with XXXX, she informed me that they rejected my request for a recast. I have tried once again to request them to correct this, I did NOT ask for them to be my mortgage processor, I most certainly would NOT have agreed to change processors knowing that they would NOT honor my previous mortgage lenders policies that would allow me to recast my mortgage. I would like to either have them be required to allow my loan recast to take place XXXX have my mortgage services moved to a company that will allow me to recast my mortgage as originally planned once we sold our previous home. Your help would be greatly appreciated. thank you! XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year>
Product: Checking or savings account

In early XX/XX/XXXX I noticed several fraudulent transactions on my Wells Fargo Debit card totaling around {$2900.00}. 10 transactions total. These transactions are 100 % fraudulent and include payments to a XXXX XXXX cruise line and out of town vendors that I do not recognize. All transactions were conducted without the presence of my debit card, ie, were entered manually with the card information without the card present. Immediately upon noticing these fraudulent transactions, I filed a fraud claim with Wells Fargo. I learned today, XX/XX/XXXX, that Wells Fargo has denied my claim. I spoke to numerous people in the fraud claims department and all have told me that Wells Fargos decision is final and my only recourse is to file a police report or to contact the merchants directly. On one occasion, I asked to speak with a supervisor and was placed on hold for 30 minutes before hanging up. This is unacceptable. These transactions are clearly fraudulent.
Product: Mortgage

I had always been able to make my mortgage payments and pay my other bills on time until I lost my job and invested in a business that failed a few years ago. Both of these events caused me tremendous finance loss and I fell behind on my mortgage. My mortgage loan was recently transferred from XXXX to Caliber Home Loans. I recently found out that I apparently was offered two loan modifications by XXXX. This is news to me, as I would have happily agreed to them had I known about the offers. Unfortunately, XXXX never sent me the offers or contacted me and, thus I was unaware that there were options to correct my deficiency. I have overcome my financial difficulties and I am currently in a very good position financially and will be for the foreseeable future. When I became delinquent on my mortgage, I didnt know at the time that I could reach out to my mortgage servicer and receive mortgage assistance, as the thought never entered my mind and I was busy with other things in my life. After taking a look into this, it appears that they should have reached out to me or sent me documentation advising that I had options to get my loan caught up. If so, this would have been resolved a long time ago, but I never had a single point of contact or any other action that would have saved my home from going through foreclosure. I unfortunately was forced to protect my assets legally by filing for bankruptcy, but this is a temporary solution and I need Caliber to work with me so solve my delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My husband leased/purchased a XXXX car in XXXX. It appeared with on my credit report. 
2. Car was returned on time in XXXX. 
3. I was billed for an outstanding balance erroneously. 
4. Now in XXXX ; the company has placed two negative notes against my credit report tow separate months. 
Experian site is down for disputes and I have not been able to get them to fix or investigate this claim. My credit score dropped more than 40 points. This is an error and this initial claim is 7 years or more old and should not be claimed against my credit. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just reviewed a copy of my credit report and i found this fraudulent account, this is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all XXXX credit bureaus via phone and mail over the past XXXX years to try and establish my credit report, which doesn't seem to exist. I have sent information by mail to establish my identity ( 2020 ), but I still can not access my credit report in any bureau.
Product: Debt collection

I receive up to 3 phone calls a day from Synchrony Bank, with no information left except to contact them back and they leave a mailing address as well. 
Then randomly it will say its regarding a XXXX XXXX tools credit card, which I do not have, nor have ever owned. 
They call as late as XXXX sometimes.
Product: Payday loan, title loan, or personal loan

I obtained a loan with LendingPoint to pay for dental work. I was told that this loan would be 0 % interest for one year. I gave them my credit card information to make the first monthly payment. I understood that the second monthly payment would go through the same way.

LendingPoint failed to charge my card for the second payment and instead notified me that my payment had not been received. Upon receiving this information, I made the payment online and sent a message to LendingPoint about this misunderstanding. 

They never responded. 

They are now charging me a very high interest rate ( over 20 % ) as punishment for this payment they deemed late, while ignoring my attempts at communication. 

I feel that this is a predatory and usurious lending practice and at the very least I am dismayed by their blatant refusal to communicate with their customers.
Product: Mortgage

I began the refinancing process with my current mortgage lender, Mr. Cooper/Nationstar Mortgage back in XXXX of 2021. I have documents uploaded at their request dating as close as XX/XX/2021. I was finally scheduled to close on Wednesday, XX/XX/2021. The notary called and cancelled, citing that he had tried to reach the mortgage company to no avail. I also tried to reach the company, with no response. The loan processor, XXXX XXXX, called the next day, ( XX/XX/XXXX ), to reschedule. I was scheduled to close again on Monday, XX/XX/XXXX. The notary arrived in a timely matter, and we began the paperwork. Mr. Cooper sent 4 plus copies of every single document ; the packet was messy and difficult to navigate. It was also discovered during this time that the documents were still labeled for closing on XX/XX/XXXX. I was instructed to sign the documents and also include the closing check. Mr. Cooper cashed my closing check before reaching out and informing me that we would have to resign the documents as they sent out documents with the wrong date. I was then scheduled to close for a third time on Tuesday, XX/XX/2021 at XXXX. I emailed my loan Processor, XXXX XXXX on Monday, XX/XX/XXXX, at XXXX to confirm that I was still closing at this date and time. I received no response. I waited at my residence for an hour for the notary to appear. No notary appeared. I called customer service at Mr. Cooper at XXXX CT to inquire about the notary. XXXX, a Mr. Cooper representative, stated he would call XXXX XXXX and call me back if he didn't reach him. I received no phone call back. I called XXXX XXXX at XXXX and received his voicemail. I still have not received any correspondence from the company and it is XXXX. I am upset and frustrated that they have cashed my check and taken my money but have not " closed '' on my loan. I have wasted several hours of my time, taken off of work to deal with this and Mr. Cooper has done nothing to make things right.
Product: Credit card or prepaid card

I applied at sears for a credit card as part of a purchase. I applied on site and provided my ID as part of the process. I was told my application was approved and I completed the sale, with the card to be sent to my home later. I received a bill for the transaction as anticipated, and attempted to pay the bill under my name XXXX XXXX XXXX in a payment from my XXXX XXXX personal account. The payment was initially created, and then rejected by XXXX XXXX as fraudulent based on BSA-AML guidelines as the account for the sears card at Citibank had been opened under XXXX XXXX XXXX. The XXXX XXXX  payment was denied by XXXX XXXX. I contacted sears and Citibank and was told this was their mistake on the card and it would be corrected. They called back and told me they would not change the name without my applying for a name change. Their actions have now created a ficticious name in my credit report under XXXX XXXX XXXX, which is not my name or tied to anything prior. This opens me to fraud under this name creating an undue risk. They refuse to change the name and threaten me at this time based on the payment ( XXXX XXXX ). They need to close the account under the wrong name, open a new account and provide notice to the credit bureaus to remove this ficticious name from my credit report. This will allow me to pay the bill through XXXX XXXX as prior attempted. They need to be corrected for the KYC and CIP violation in using a wrong name to open an account that does not match SSN or DOB for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which 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 ; ( XXXX ) 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. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite this attempts to have these inaccuracies corrected, these fraudulent items continue to appear on my report, significantly impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been inaccurately listed on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they persist on my credit report. This situation has caused me considerable stress, inconvenience, and potential financial harm. Hence, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. The following items should be remove as soon as possible : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I have attempted to open an Chase Bank application online on 2 occassions over the time period of 6 months. I have been denied without reason. I ordered my Consumers report to make sure nothing was on my report that I was unaware of but upon receiving my report nothing was listed that was alarming. I need help with this issue. I do have a fraud alert on my account from years ago but I requested for call verification to verify any transactions involving my credit. I have not received a call confirmation of any kind. I would like this inconvenience of being denied to be resolved. Please let me know how I can assist in this matter. Thank you for your assistance.
Product: Debt collection

I had a balance on credit card that I was not aware of ( {$110.00} ), I was never notified about it until It was posted on my credit report on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed because I was not aware of the balance and it dropped my XXXX XXXX XXXX points. The representative agreed and the mark was removed 5 days later. 
But then a month later they replaced the mark.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed item is reported by " XXXX, '' and it is reflecting inaccurate and unverifiable information. 
The details of the disputed account are as follows : Creditor Name : XXXX I am disputing this account on the basis of the following legal grounds : Failure to Maintain Accurate Reporting - Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. The conflicting reporting dates, as well as the continued reporting of a closed and paid account, indicate an error. 


Outdated Information Reported- If Equifax is reporting this account until XXXX while it has been closed and paid, this may be a violation of the permissible reporting period under FCRA 15 U.S.C. 1681c ( a ).

Failure to Verify Information Upon Dispute - 15 U.S.C. 1681i mandates that credit bureaus conduct a proper reinvestigation. I request that you obtain original account documentation to verify its accuracy.

I request the following actions : Conduct an investigation as required by the FCRA.

Provide me with documentation verifying the accuracy of the account.

If you can not verify the accuracy, remove this account immediately.

Failure to comply with federal laws may result in legal action being taken against your agency for damages as allowed under the FCRA. I expect a response within 30 days as required by law.

Please send your findings to my address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a contract with XXXX XXXX XXXX in XX/XX/2015. Everything was great until late last year when I started getting court documents. As you will see in my email correspondence, they assured me more than once that all was being taken care of. Not once did they call me to tell me there was a problem. I have been following all the directions given to me by them uploading documents and I now can't use my checking account because XXXX has put a garnishment on it for over $ 14K! Again, not one time has anyone from this company called me to say, " hey, we have a problem with your account!? '' I have not actually heard from anyone at Peak Legal or XXXX XXXX except for XXXX who is only a negotiator and tells me to talk to Peak and talk to a lawyer. I have reached out to Peak via email who just passes me on to XXXX XXXX who is their attorney representing FL. But it's been weeks and I have yet to actually talk to anyone representing Peal Legal! I have acquired hundreds in overdraft fees in addition to the chaos of all of this! I'm a single mom teacher who was just trying to take care of her debt after divorce and this is what happens to me!?
Product: Credit card or prepaid card

In XXXX of XXXX  a credit card was opened with asynchrony bank in my name. 
The account was not opened by me and synchrony has confirmed that no ID was verified when the account was opened in person. 
A fraud claim was opened in XXXX of XXXX. It was reopened once they received my documentation regarding the dispute. 
I provided them with the information for the individual who I believe is responsible. A prior tenant who has since abandoned the property and blocked all communication with no forwarding info. 
Despite many months of follow up, all documentation and providing statements they requested the claim remains unresolved. In addition to a mysterious second charge since the initial opening purchase which they can not tell me what it is for, the company continues to place collection calls and place delinquent payment notices on my credit report despite repeatedly telling me that I am not required to pay while it is in investigation status. 

Synchrony refuses to bring this claim to resolution and allow me to speak with the fraud investigators to bring this to a close. 

I believe they are in direct violation of their own resolution policies and this case should be dismissed immediately.
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 {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.