23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX : paid in full and I was only late XX/XX/XXXX sent proof still said late for 6 other months I was not late XXXX : I had sent letter that asset acceptance agreed to remove- equifax has not removed XXXX and XXXX XXXX NOT MINE. I never opened, knew about or made a pymt to them. sent letters to creditor to dispute no response XXXX this acct was first delinquent XX/XX/XXXX so too old to be reported. It was originally under XXXX and when XXXX bought them out they changed dates/info. 
XXXX XXXX : Equifax had removed XX/XX/XXXX since I said was not mine after dispute and now on again. it is NOT MINE and I want removed. sent letters to creditor to dispute no response XXXX for XXXX- not mine and I had no knowledge. I want removed. I NEVER had XXXX. sent letters to creditor to dispute no response XXXX XXXX XXXX not mine. i never had XXXX XXXX. I have cable. I want removed.sent letters to creditor to dispute no response XXXX XXXX XXXX not mine. i never had XXXX ( again ). I want removed. sent letters to creditor to dispute no response. Thiw was reported under XXXX XXXX XXXX for XXXX and removed in dispute in XX/XX/XXXX. XXXX bought by XXXX and this creditor bought acct from XXXX XXXX looks like. 
There are many duplicate inquiries for accts that I want removed and also I did not authorize XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, or XXXX XXXX. I want removed since no permission
Product: Checking or savings account

I have pua from dept of labor the work force told me to appy for real beneifits they said id get 4 things a code a card wages statement and coraspondence mail I received everything but the card, card services said I get a card dept of labor said I get a card but us bank said I couldn't have two cards then a us bank letter came and said activate the card I dint have im telling my case worker about that right now but my other money is on a relic card and when I changed my address they locked my account with XXXX in it they have no right us bank says it is a offline team and they cant unlock it they are not suppose to be doing that I have since direct deposited my earnings and they are coming in but that XXXX they wont let it go I direct deposited my money from that card and all but that is going to the other account can you help me get my money?
Product: Mortgage

Last year did a modification with Seterus lowering my mortgage payment to {$780.00} then they claimed there was a shortage of property tax so they raised it to {$840.00} to cover it then mortgage was bought by Mr cooper last year payment was the same {$840.00}, now they claim there is a shortage of {$1100.00} of property tax, and are raising it to {$890.00} until paid in full which I do not understand how there can be another shortage of such a high amount, but they claim when shortage is paid in full payment will be {$800.00} a month not {$780.00}.
Product: Student loan

On XX/XX/XXXX, I authorized a payment of {$5400.00} to the Illinois XXXX XXXX XXXX XXXX XXXX ) via the loan servicer Heartland ESCI. I received an online receipt of this payment and online confirmation that it was processed. The intent of the payment was to pay off a XXXX XXXX in full. 

At some point shortly after ( I believe before XX/XX/XXXX ) XXXX transferred my loan to XXXX XXXX XXXX XXXX XXXX ( no relation to XXXX XXXX, as far as I know ). XXXX XXXX XXXX XXXX XXXX has no record of the {$5400.00} payment being made. XXXX XXXX still shows a record of the {$5400.00} payment, and per my calls to XXXX their records show the loan as paid in full. However ECSI XXXX XXXX XXXX XXXX provides no mechanism to submit any documents and their customer service line insists that the university ( XXXX  ) must reach out to them directly. 

I have attempted to resolve this issue through XXXX several times ( starting on XX/XX/XXXX and most recently on XXXX ) and been assured that " it will be fixed '' but I have seen no concrete change on the XXXX XXXX XXXX XXXX XXXX account. As of XX/XX/XXXX with the end of the student loan pause XXXX XXXX XXXX XXXX XXXX has sent a demand for payment. Given the apparent inability or unwillingness of the parties ( XXXX and XXXX ) to resolve this matter or allow me to do so, I now escalate it.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balanced {$330000.00} - XXXX  XXXX XXXX Balanced {$0.00}
Product: Credit reporting or other personal consumer reports

My only name and address is what's provided on this complaint. 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time submitting a dispute request via mail and via CFPB and nothing is being done here ... Please send me my disputes results via email immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

XXXX XXXX- XXXX Not my account XXXX XXXX XXXXXXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX XX/XX/
Product: Mortgage

Loan depot has a email page with a STREAM LINE refinance they offer which are not existing. 

My credit report was pulled by deception. 

I was asked when my house was purchased XX/XX/XXXX. 

Agent XXXX stated he needed to run my credit report to verify qualification. 

Once pulled I was not eligible because my loan didnt originate before XX/XX/XXXX. 

This was known before by asking the purchase date of the home. 

I was given a horrible ARM offer when I was looking to STREAM line my XXXX XXXX property or go into a VA. 

This I see as deceptive and corrupt practices to obtain the most money off of the client for the company the agent works for ... most likely based on commission and bonuses Im sure. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I received my Statement for the debt card in the mail. When I opened the statement I was astonished to find that unauthorized charges had been drawn on my account. I immediately started a fraud claim with EPPICARD case no. XXXX. They told me I was to wait for the forms to fill them out. They gave me a dead line of XX/XX/XXXX, however they mailed it late but I faxed the filed out forms and contacted customer services. The purpose of the late mail was to insure I did not get the forms in time. There is a 10 day window. 

The charges started occurring on or about XX/XX/XXXX. I did not see any charges in the rest of the month of XX/XX/XXXX. The charges were made in XXXX by a company called XXXX in XXXX and a company in XXXX call XXXX : XXXX XXXX XXXX I have never had a relationship with these companies, I also did not use my card very often as I was saving the amount on the card for an emergency. I would only use sparingly, gas, food, in the XXXX area. 

I sent an itemized list of the charges and the fee 's which were collected by EPPICARD for the international transactions. the total amount I have lost is {$4900.00}. I have also provided affidavits which state I never lost control of the card nor did I authorize any charges. Furthermore I did not have any relationship with the companies who took the money. 

I contacted eppie card on XX/XX/XXXX and talked to their representative who told me the claim of fraud had been denied on XX/XX/XXXX, I had only faxed the forms over on the same day. How did an investigation get done so quickly. 

I recieved a letter on XX/XX/XXXX which stated they did an investigation and determined I had a relationship with the companies who did the fraud. XXXX card allowed successive charges on the same day XXXX over 6 times. XXXX allowed charges over the amount which was in the account and reversed the charge but did nothing to flag the card as it was under attack. 

I have also come to find out it is a habit of eppicard to deny fraud charges and I have viewed several lawsuit. I contacted XXXX XXXX on XX/XX/XXXX and was told the card number was still active, this was after EPPICARD had allegedly closed the account. XXXX XXXX gave me a reference number for the fraud claim. I was further told it was wellsfargo who was the issuing bank. When I called XXXX they denied having anything to do with EPPICARD. However on the back of the card it states. " this card is issued by XXXX XXXX, XXXX pursuant to license from XXXX XXXX XXXX. 

The terms of service state zero 0 Liability, EPPIECARD calls itself the " BANK '' when in fact the " BANK '' is XXXX. It is my belief, EPPIECARD is purposefully denying claims to accounts which have been compromised in order to profit from it. It is XXXX who insures the lost money, did EPPIECARD put forth a claim with XXXX? or XXXX XXXX? 

EPPICARD has breach the contract of their terms of service agreement.
Product: Checking or savings account

PNC Bank started charging me a $ XXXX monthly maintenance fee for my Performance Select checking account in XX/XX/XXXX without clearly notifying me. I did not notice the recurring fee until XX/XX/XXXX, at which point I had unknowingly spent {$270.00} in fees. I called on XX/XX/XXXX to complain and spoke with XXXX and she said they would refund ( only ) two months of fees ( {$50.00} ). PNC Bank should be required to clearly and repeatedly explicitly notify customers when their account balance falls to a point where they begin charging maintenance fees. If an account falls below the required balance threshold to maintain a free performance select checking account, PNC bank should reduce the account tier instead of charging a maintenance fee to maintain a preferred account.
Product: Debt collection

My father whom I dont speak to nor want him to have any of my personal information has received about XXXX phone calls in the month of XXXX and XX/XX/2022 and his employer has also received phone calls regarding a debt that I owe, that I am not aware of at all. They have now sent my father a bill of collections under his name with his address and all the fees owed. My father has tried to let them know on multiple occasions thats he does not owe that money and they then gave him very detailed XXXX information about me. They are now threatening to take him to court and put this under his credit score. 

The companys name is Professional Finance Company Inc, he received the letter on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to XXXXXXXX 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 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 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 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 card

The account is fairly new and hasnt been added to my credit report- though the hard inquiry is. I am in the process of buying a home and my lender needs proof of the account and that it is XXXX XXXX I asked capital one to provide a statement showing my account is XXXX XXXX  They refused saying I had to make a purchase and a payment before they could generate a statement. I tried explaining that 1. I do not have time for that and 2. I shouldnt have to do that to get a statement of my account. They basically hung up on me saying there was nothing they could do.
Product: Credit reporting or other personal consumer reports

This company ran my credit report without my permission. Then making a report on my credit report that was there by the owner of the account. Making my credit report have a double of the same account and amount. I did not ask for credit with this company nor ask for any services. This was done illegally according to the law.
Product: Credit reporting or other personal consumer reports

This the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Balance {$4800.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Capital one credit card company suddenly restricted my credit card in XXXX with no credible reason. 
I tried to reactivate it, I sent them All the documents they asked me for how ever they went on to refuse activation. 
Also they refused to allow me to redeem my earned rewards that accumulated over the last 14 years, I believe it was just a ploy to usurp my hard earned rewards.
Product: Checking or savings account

To Whom It May Concern : This new complaint is in response to a previous complaint filed during early XXXX of 2022 regarding a few claim cases I had with Chase Bank I paid Merchant for items that I never received. Chase Bank Executive Offices responded to my original complaint about certain claims I had ( attachment provided ). I accepted their responses for most of the claim cases. However, Chase stated that for one of my claims that were rejected, I could reassert the claim once I sent them a Cardholder Letter stating that I paid for items that I never received from Merchant.

I submitted the Cardholder Letter ( attachment provided ) to Chase Bank Executive Office, and I got a called acknowledging receipt of the letter and that their team will do further research. It has been 2 and a half months and I still have not received any updates ; I tried following up through email as well as calling and leaving a voicemail, to no avail. Any help or further investigation would be greatly appreciated as it has been stressful dealing with Chase bank and I feel like Im not getting the help, attention, nor service I need. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to sign up for a TransUnion account to freeze my credit report. They then surreptitiously signed me up for credit monitoring with a {$24.00} fee without ever disclosing to me that I would be charged.
Product: Credit reporting or other personal consumer reports

My credit report states an account opened on XX/XX/year> in the amount of {$13000.00}. I have not opened any account with anyone this year for that amount. 
Also according to the Fair Credit Reporting Act, I must give consent to share information. Especially in the state of California where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reach out to CFPB a few weeks ago on this matter with ya 'll giving a complaint on XXXX, XXXX  and TransUnion. Their reaging false accounts on my credit report and have yet send any verified information with my signature on any of these accounts they literally deleted that you'll see in my upload files but then put accounts back on as a New Account. Which is a Violation of the FCRA Section 623 and Violation FDCPA 806B
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I was working with my lender at the time, XXXX XXXX for a repayment plan regarding the past due payments for the property taxes. When I submitted the documents to show my income it there and I can afford a payment plan I was told it was too late because the foreclosure sale was scheduled for XX/XX/XXXX. I was forced to file bankruptcy and when the sale was postponed to XX/XX/XXXX, I again attempted to contact XXXX XXXX for options. They told me my loan was being transferred to XXXX and I would need to contact them. On XX/XX/2018 I received the notice my loan was being transferred, I called XXXX for two weeks and they were still processing/transferring my loan into their system. It was not until XX/XX/XXXX that they finally acknowledged my loan and then said it was too late, the foreclosure sale date is now XX/XX/XXXX. How can this be fair? I did not ask for my loan to be transferred, especially in the middle of a foreclosure sale and the fact that they are keeping the sale active and not giving me any options to save my home is absurd and a violation of my rights. Had my loan not been transferred and had it not taken XXXX more than 2 weeks to acknowledge me, I would not be in the predicament again.
Product: Credit reporting

There has been an item placed on my credit report that has been improperly re-aged. I disputed this item with the CRA and they did not obtain documented validation from agency reporting said debt. The item in question was originally reported in XXXX and is now being reported with a open date of XXXX/XXXX/XXXX. CRA should have obtained documentation ( signed contract, payment history, etc ) to validate this debt but relied on verbal verification only. Item in question was reported by a XXXX, XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX for an XXXX XXXX XXXX XXXX account from XXXX. This originally appeared on all XXXX my credit reports in XXXX and was removed in late XXXX making this a improperly re-aged account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am asking for your support regarding the false account reflected on my credit report. It has been damaging to my reputation, and I need your help to eliminate and block it as quickly as possible.