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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

A company called Financial Business and Consumer Solutions , Inc. is attempting to collect a medical debt from me. My personal information including social security number, and medical records were accessed by unauthorized persons from XXXX through XXXX. This disclosure of my personal information has led to a flood of recent attempts to access my other online information leading me spend weeks changing passwords, and sorting through fishing emails and text messages. I wasn't notified of the breach and my stolen data being in the wild until late XXXX, XXXX moths later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX. account no. XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A ; section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I called Capital One in XXXX to close my credit card account before the {$95.00} annual fee posted in XXXX. I was told I could not close the account due to an outstanding dispute. The dispute was settled in XXXX with a credit back to my account. Capital One said the dispute would take 90 days to complete. The {$95.00} fee was charged to my account. I called and was told " there is nothing that can be done to refund the fee, or close the account. They did say the fee can be refunded if I close the account within 40 days but I can not close the account in that timeframe as the dispute will not be resolved for another 60 days. Capital One is holding me XXXX over a {$95.00} fee
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WAS IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED OF THIS LATE BEING INACCURATE BUT FOR SOME REASON THE CREDIT REPORTING AGENCIES SUCH AS EXPERIAN AND XXXX DO NOT REMOVE THIS INACCURACY PLEASE HELP ME TO HAVE THIS CORRECTED THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : FCRA violations : see attachments for proof : see attachments if you guys really know how to read credit youll see all the mistakes only f XXXX wouldnt see what the violations are!!!!!!!! 



XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not give authorization for theses inquires on my report
Product: Mortgage

I recently filed a complaint against Nationstar on XXXX/XXXX/15 due to not being able to reach anyone in their customer service department or the department that handles loan remodifications after submitting my documents as requested. I have made over 20 calls to this company and have not had one call returned to me in reference to the status of my loan remodification. The one call I received last week was in reference to the first complaint that I filed and the lady told me the person handling my modification would be calling me and she never did. In addition, they claimed I did n't not submit a signed copy of page XXXX of my tax return which I did and it is included in the initial complaint. Had the lady not called me back in reference to this CFPB complaint I would not have known that alleged additional documentation was needed since no one is calling me or giving me a status of my account because they are not answering their phones. After I put in my ssn # and my zip code the phone rings or it sounds like it is being transferred and the line goes silent. No one picks up. How is this legal? I do believe this company is trying to have me default on my mortgage so they can steal my house. I am trying everything I can but I can not drive from NC to wherever they are to get customer service. I am going to file complaints with every federal bureau I know because right now I think nationstar is a scam. This is all a rouse to dupe people out of me out of my home even when I am trying everything I can to save it. Someone named XXXX XXXX is supposed to be handling my loan. She was also supposed to call. Again, I called XXXX and XXXX the past Friday and today about 10 times and ca n't get someone on the phone. They are supposed to be open from XXXX CT. Please help!!! I am going to contact every federal bureau I know to expose this company for what they are. Again, I have called every number for the last 3 weeks and not once was able to reach a representative. I have made over 20 calls. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.
Product: Vehicle loan or lease

I purchased a car back in 2019 and my interest rate was and still is 8.94 % which, according to XXXX XXXX, is higher than 75 % members with similar credit profiles. I tried refinancing after a year or two but they said it was too late already and that the rate would not have gone down so much. Another instance I had with Wells Fargo is that I opened a checking account with them as a student and they told me I dont need to have a minimum balance but they started charging me money so I closed my account with them. And having a closed account has affected my credit score according to XXXX XXXX as well. 
Also, last XXXX, I made a big payment for my car to try to pay it off faster. I then get a couple of adjustments in the balance and another transaction that said payment reversal - incorrect transactions. So I dont know if they all the money I added was added towards the car or not.
Product: Credit reporting or other personal consumer reports

XXXX & TRANSUNION have been illegally furnishing RE-AGED US DEPARTMENT OF EDUCATION account # XXXX XXXX & XXXX 3rd party information. Transactions and experiences are excluded from Consumer Files due to Privacy laws 1681 sections 602 A & 604 section 2 Ensures my RIGHT to Privacy & A Consumer Reporting Agency CAN NOT furnish an account without MY WRITTEN PERMISSIBLE PURPOSE As well as violation of 1692c They are also in violation of DEBT PARKING
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I have applied for a vehicle loan and I was already approved. I'm moving forward to crest an account with bank of america and make payments, but I am not given information as to why I can't make my payments online or access my account without given a reason and asked to call. I have given a call but I keep getting out on hold, transferred to other departments and being hang up without a solution to my issue. I am afraid this will impact my credit score and the company might black list me or put me under a criminal warning list when it is on fact not an issue created on my end.
Product: Mortgage

Im currently in the process of attempting to refinance my current VA mortgage loan but when I spoke with XXXX, they said I had a late payment in XX/XX/2020 affecting my ability to receive favorable rates. Ive had Auto Draft setup since the inception of the loan and have never missed a payment going on five years to include multiple military XXXX XXXX. Somehow, in XX/XX/2020, the auto draft did not process, and I did not catch it until XX/XX/2020, in which I immediately paid on XX/XX/2020 both XXXX and XXXX. I have already verified that my auto draft executed for XX/XX/2020. The customer service representative for Loan Care that I worked with in XX/XX/2020 made a note in the system explaining what had happened, and additionally, had the late payment fee waived because we agreed I was not culpable for the error. Im requesting correction of the payment history as soon as possible so I can continue with the refinancing process and minimize the undue hardship of this error. I have yet to receive a resolution or correspondence from LoanCare. I've had to call multiple times to get an answer from them. They've acknowledged it was mistake on their end but have failed to correct the payment history that's negatively affecting my financial situation.
Product: Checking or savings account

On Friday XX/XX/year> I received a XXXX payment of {$1000.00} from my roommate. My account was restricted and closed shortly after. I have never committed any fraudulent activity with the account and the money was for rent. I was asked to verify information and after doing so for an hour they closed my account and wouldn't give me any information why. I asked when I'd receive the money and they said that they were unsure. This has put me into a financial crisis all due to Capital One.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report, and it showed accounts reporting that I do not recognize
Product: Credit card

Hello, I am the customer of Chase Bank and Chase Credit Card. 
During my military service, I gave back the house that I lived for 1 year to the landlord. However, during that time I requested the new card shipping to that address and I'm sure that the mailed card delivered but not received by me. During Basic Combat Training, somebody was unauthorized using my card multiple time and processed multiple transaction without permission and I didn't know who was using the card. My Basic Combat Training was in XXXX XXXX, South Carolina ; During the training, all of the phones of the trainers was locked in the secured box and stored it in the secured commander room, and we were allowed to use our phone for XXXX mins to XXXX hours every Sunday. And the unauthorized charge was using XXXX XXXX and in person in XXXX, XXXX and XXXX. 

After graduated Basic Training to moving forward to XXXX, I was recognized that multiple unauthorized transaction was posted in my account, I filed a dispute. However, after a while, Chase contact me that the transaction was made in the same device ( they never tell me which device - just a " device '' in general ). I submitted my military order, the logs of military activity, the graduation certification that shows date, time, location of my training to proof that I was in military facility all of the time during the training without and leave request. 

I submitted multiple proof but Chase called and tell me that the proof was not strong enough to process the dispute. And I have all proof. Chase requested me to go to the store, ask for the receipt and from there they will continue to process the dispute. They are currently closed the dispute. I would like to file a complain because I read on reddit, there are so many people have the same problem and they instructed me try to file a claim on Consumer Financial Protection Bureau. I hope that can help me the amount for the dispute was about {$800.00}. 

Also, after I called Chase for the dispute they decrease my XXXX XXXX by XXXX even though I was using the card less than 30 % base on the report and never paying late. I think Chase was making an unfair decision that leads to negative affect to my life.
Product: Debt collection

My mom had a XXXX XX/XX/19. I called the debt collector on XX/XX/19 because they had called my mom 's cell phone. I told the person my mom had a XXXX & was on XXXX & XXXX. The debt collector said she would note the account. I have now learned that the same day, XX/XX/19, I suspect after talking with me, they filed for wage garnishment against my mom 's XXXX for {$780.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has been unethical and deliberately alienated the credit bureaus to believe that I owe false debt. XXXX Experian and XXXX are in violation of 15 USC 1681 2 ( B ). Reporting without my consent. Notice of violation XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX my personal info, 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: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

My data was leaked from that data breach on my XXXX XXXX XXXX XXXX XXXX XXXX used online and added to accounts and used. Please help me
Product: Credit reporting or other personal consumer reports

I dispute this account, and Experian came back as verified. For starters my Name is XXXX XXXX not XXXX XXXX XXXX so that's the first error, So they sent me a letter showing that the account was verified and it belong to me. I disagree with that statement. Then on the letter they sent me, it showing as an open account as you can clearly see its a collection account. So therefore that's 2 errors that I have notice. I have tried to resolve this issue already but I am not getting anywhere.
Product: Vehicle loan or lease

- Paid off loan in XXXX or XXXX of this year ; Hyundai Motor Finance immediately cashed the check. 
- Called and asked for the title to be sent to me in late XXXX, never received title - Called in late XXXX to ask for title and was told the title had been lost in the mail - Received lien release letter dated XX/XX/XXXX and was told to take the lien letter to the local DMV - Tried taking to my local DMV but the DMV requires the actual title - Called on XX/XX/XXXX and spoke to XXXX ; was told that my title was returned to HMF on XX/XX/XXXX ( which means that the title was not lost in the mail - that was a lie ). XXXX said it would take 5-7 business days to mail- Called on XX/XX/XXXX and spoke to XXXX, who said said they had not sent the title or even opened the email asking for it and was not willing to transfer me to someone who has access to the title - Emailed XXXX requesting urgent and immediate assistance - Called XXXX XXXX XXXX XXXX XXXX XXXX who signed the lien letter, asking for help and left a voicemail
Product: Credit reporting or other personal consumer reports

Last year i found out that i was a victim of identity theft. Just recently i found out that my old roommate XXXX XXXX used my information to obtain 2 auto loans from XXXX XXXX XXXX. I need these 2 fraud accounts to be removed from my credit
Product: Credit card

CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT Product : Credit card rewards program Company : Citibank , N.A . 
Account : XXXX XXXX XXXX ending in XXXX Amount in dispute : {$450.00} DETAILED DESCRIPTION : I am filing this complaint regarding Citibank 's handling of my XXXX credit card rewards program and the loss of {$450.00} in earned rewards due to systemic issues with their notification and verification processes. 

XXXX : XXXX. XX/XX/XXXX : Citi claims reward certificate was emailed ( no proof provided ) XXXX. XX/XX/XXXX : XXXX expired XXXX. XX/XX/XXXX : Discovered expiration through chat with Citi XXXX. XX/XX/XXXX : Received first Executive Response Team letter XXXX. XX/XX/XXXX : Received final denial letter Core Issues : 1. DELIVERY VERIFICATION - Citi claims email delivery but refuses to provide : * Proof of transmission * Delivery confirmation * Copy of certificate * Specific email address used - Multiple email addresses checked with no record : * XXXX * XXXX * XXXX * XXXX * XXXX XXXX. CONSUMER PROTECTION CONCERNS- Shortened redemption window ( 10 months : XX/XX/XXXX - XX/XX/XXXX ) - No verification system for reward delivery - Requiring subpoena for basic transaction records - No secondary notification system - No access to earned reward documentation XXXX. SYSTEMATIC FAILURES - No system to verify successful delivery - No backup delivery method - No customer notification of pending expiration - No ability to reissue or verify certificates - Inadequate record keeping Documentation Available : XXXX. Chat transcript ( XX/XX/XXXX ) XXXX. Executive Response Team letters : - Reference # XXXX - Reference # XXXX XXXX. Email correspondence 4. Phone call records Attempted Resolution Steps : 1. Multiple chat sessions with customer service 2. Executive Response Team escalation 3. Written correspondence 4. Phone contact attempts XXXX. Local XXXX store visit XXXX. Email to Executive Response Unit Requested Resolution : 1. Immediate : Reissuance of {$450.00} reward certificate 2. Systematic : Implementation of : - Delivery confirmation system - Secondary notification methods- Customer verification process - Extended redemption window - Better record keeping Legal Framework : This complaint raises concerns under : 1. Electronic Fund Transfer Act 2. CFPB Regulation Z 3. State consumer protection laws 4. Banking record-keeping requirements 5. Electronic communication verification requirements Customer History : - Member since XXXX - No prior issues - Regular account holder in good standing
Product: Mortgage

Arvest Central Mortgage Co of XXXX XXXX AR took over my mortgage services on XX/XX/2020, however no correspondence was sent to me regarding the details of how to pay or how to contact their company until XX/XX/2020, via US mail bulk rate, and was not received by me until XX/XX/2020, the day that my mortgage would be considered late for payment and be imposed a late fee ( which Arvest has since said they are waiving for all customers ). 
When I originally tried to pay my mortgage to Arvest, via their automated system I was told that my information did not exist in their system. Due to not receiving the information from Arvest that I needed in order to pay ( including a contact number ) I was not able to pay my mortgage in a timely manner to Arvest. My mortgage interest accrues at over {$90.00} per week. This negligent and unethical delay in proper notification of how to pay my mortgage in a timely manner, by Arvest, resulted in my interest owed being increased by {$90.00} per week. This interest that accrued due to their delay, equates to direct fraud by this company, as it equates to more money that I now owe them. This interest that was not paid down due to this delay will be compounded many times over for the life of the loan. How can a company mail a notice on XX/XX/2020, via slow US mail, of how to pay make a payment that was due on XX/XX/2020?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my car was stolen. All my personal information was in my card including my driver 's license, my unlocked cell phone, W2s, and medical information. In XX/XX/XXXX someone opened an account in my name with XXXX XXXX Bank. I reached out to Transunion and disputed the account and mailed in my ssn card, birth certificate, copy of the police report, and other requested documents to confirm my name and identity. I've filed several disputes with Transunion regarding this. I've also tried to resolve this directly with the company. However, since my name is incorrect on the account, I was not able to get information from the creditor. I have submitted yet another dispute by phone and by webpage concerning this. This account does not belong to me. This account does not have the correct name on file. Transunion only updated my name on my credit report but did nothing else concerning the fraudulent account opening. I mailed many documents, but when I check on them and provide tracking information, they claim to not have received my documentation.
Product: Mortgage

I WILL NEVER HAVE OWNERSHIP OF MY HOME JUST RENTING. BEING DEPRIVED OF MY VA BENEFIT. IT HAS COME TO MY INTENTION THAT I AM PAYING PROPERTY TAXES FOR A HOME VALUED AT {$330000.00} COMING OUT OF THE ESCROW OF {$340.00}, WHICH IS {$340.00}. COMES TO {$4000.00} PER YEAR THE ESCROW IS {$480.00} WHICH LEAVES {$130.00}. NO PMI, OR FLOOD INSURANCE IS NEEDED FOR VA. SO WHERE IS THE OTHER {$130.00} GOING? TAX AND ASSESSMENT SAYING I AM EXCEEDING MY LIMIT FOR MY HOME VALUE. MY PROPERTY TAXES SHOULD BE JUST {$3100.00}, {$250.00} MONTHLY FROM {$480.00} WHICH LEAVES {$220.00} IN ESCROW. WHERE IS THAT GOING, I AM NOT IN A FLOOD ZONE. IT STATES THAT THE LENDER I RESPONSIBLE FOR GIVING PROPERTY VALUES TO THE CONTROLLERS OF REAL PROPERTY. I WILL BE SENDING COPIES TO CFPB.
Product: Debt collection

Early this morning I was contacted by an agent, who did not identify herself as a collector. I figured it out during the conversation. She was trying to collect a debt that I believe I have already paid. I am In the process of getting my reciepts in order. How ever I have had no payment agreement with this company even though the send me letters stating this. I have paid their clients directly. Many of there letters list the original creditor as Various Accounts. I know this is in violation of the FDCPA. This agent refused to let me talk and continued to talk over me. I believe her intent was to escalate the call. I found the call very disrespectful and degrading.