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

On XXXX XXXX XXXX at XXXX - my XXXX computer account shows XXXX date as XX/XX/XXXX, and my XXXX shows the date as XX/XX/XXXX - someone, or some group purchased XXXX temporary tattoos through my XXXX account, which were charged to my XXXX credit card ( Synchrony Bank ). XXXX of them were " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' and XXXX of them were " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' The XXXX account handles that they were sold by were XXXX and XXXX, both of which are no longer registered accounts with XXXX. The charges added up to {$690.00}. It is absurd that I would order XXXX such Tattoos at XXXX on a Tuesday ( XX/XX/2022, was a Tue ). At some point in XXXX, XXXX emailed me that they suspected fraud and/or unauthorized purchases, and so they closed my account, and they made me change my password. I called and suspended my XXXX credit card. After XXXX attempts to resolve and reverse the dispute, the investigation department said they believed I did not make the charges, but because the tracking number or XXXX order said it was delivered, they were not able to reverse the charge. The product never did arrive to my house. ( I'm to sure how the hacker was able to upload tracking ). It is is true that XXXX of the XXXX tattoos, say they were delivered. XXXX of them do not show that they were completed, and I sent screen shots of this to the investigation team. The products showed that I paid in XXXX dollars, and that it was shipped on XX/XX/XXXX, but if they were coming from XXXX they would most likely not get here by XX/XX/XXXX, as shown on the tracking. I explained to the company that I would not order XXXX and XXXX of the same Tattoos at XXXX on a Tue!
Product: Mortgage

I have a conventional loan with PMI at flagstar bank, the principal is under 78 % the value of the home, and I requested the PMI be removed. They didn't respond to my first request so I made a second request and they demanded I pay them {$150.00} for a new home valuation. However when I got the loan I was informed the PMI would be removed once the principal was under 80 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was monitoring my credit report on Transunion ( XX/XX/19 ) I  found out my credit score went  down 32 points, right away I got in touch with the mentioned credit bureau to inquire about what was the reason, all my accounts were and are at the moment current ( no delay payments, no over the limit, no liens or else ), They couldn't explain in a reasonable or logical way other that 2 specific accounts weren't current ( XXXX XXXX and XXXX XXXX XXXX XXXX ), I called both companies and They told me that both accounts were current and had no issues.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Changes to Personal Statement on Credit Report Dear CFPB, I am filing a formal complaint regarding an unauthorized change to my personal statement on my credit report with Experian. 

Recently, I discovered that Experian added the following statement to my report without my consent : XXXX XXXX XXXX XXXX XXXX ID SECURITY ALERT/ACTIVE DUTY ALERT : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I AM CURRENTLY ON ACTIVE MILITARY DUTY, DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. '' At no point did I request this statement, nor have I ever indicated that I am on active military duty. This is a clear misrepresentation of my personal information, which is extremely concerning, as it undermines my trust in XXXX ability to handle consumers credit reports accurately and securely. 

This unauthorized change is not only distressing but also unlawful, as it misrepresents my identity without my consent. 

I am requesting CFPBs immediate assistance in having this erroneous statement removed from my credit report and ensuring that no unauthorized changes are made in the future. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I went to the emergency room at the end of 2012. I was told my insurance covered my visit 100 percent. A couple years later I checked my credit report and this company reported a debt in collections on my report. Ive disputed several times with no response back.
Product: Credit card or prepaid card

I pay my credit card balances monthly, in XXXX of this year ( 2019 ) I inadvertently paid the wrong credit card, in the amount of {$1100.00}. When I discovered the error I immediately called Sears ( who handles this MasterCard ), they refused to reverse the payment and started asking me for my bank account information ( as if I am going to give that to a stranger over the phone ). I asked them to then send me a refund, they refused to send me a refund immediately but said I would automatically receive my refund in 60 days and that this was the only option if I failed to give them my personal bank account information. It has now going on 5 months since this happened, I called again over a week ago and was told I would have my money in 7-10 days, and once again I have received nothing. I feel that they now owe me interest, they have almost {$1200.00} of my money! I am furious. I also requested that due to the fact that they never returned my money it should be sent overnight to me, which they refused. The person I spoke to the second time was XXXX in Idaho, Team XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX   XXXX  XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX  XXXX XXXX  XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date :XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX  Director, Consumer Financial Protection Bureau Attn : XXXX XXXX Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history. 

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1. 

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,
Product: Checking or savings account

Between XX/XX/2021 through XX/XX/2021, there were several charges at various gas stations, shopping centers and online purchases made without my knowledge and/or permission. My child, whom is now age XXXX took advantage of these " emergency accounts '' while being in remote learning and while I was XXXX ill. I was advised by Wells Fargo on and/or about XX/XX/2021 to go to a Wells Fargo bank by a claims specialist named " XXXX '' to go and show them my state identification card because my claim was placed on hold until " they could verify that I was not being taken advantage of ''. I did so the very next day as requested because I was not familiar with claims being put on hold, but it was extremely hard trying to speak with XXXX as she made me feel as though I was suddenly a liar. She also advised that I could file a police report which was disheartening because if I had, charges would be brought against my child whom is a XXXX male and has his whole life ahead of him. 

This claim was closed on XX/XX/2021 with no investigatory documents being provided to me on how they came by their decision. I've since opened up two additional claims on and/or about XX/XX/2021. 

I wrote to the Wells Fargo board on and/or about XX/XX/2021 a complaint that cited law regarding authorized purchases and their banking commitment and within two days, I was contacted by an executive claims specialist that would help me find out why the claim was closed, but I was not provided with the documents used to prove the purchases were authorized by me. 

I will admit that he was wrong for taking advantage of our family; buying gifts for young ladies, goodies and God knows what else at the gas stations, but the fact is I did not give him permission to do so. My son is XXXX XXXX with an XXXX and remote learning for all XXXX of my children did take an emotional toll on all of us. 

It seems outside of any claims specialist to suggest I file a report on an individual within my household that was not authorized to make purchases. 

I recognize liability after 60 days, however I do not recognize and can not find where Wells Fargo has the permission to advise and/or suggest potential criminal charges. I'm sure no claim will be approved, but we are talking about thousands of dollars in which I have to accept despite my knowing no reasonable effort was made to investigate and the claim was closed prematurely.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} /XXXX XXXXXXXX  XX/XX/XXXX $ XXXX XXXX XXXX  XX/XX/XXXX $ {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've have several inquiries showing on my TransUnion credit report that I don't recognize. These items are listed below : XXXX XXXX plus XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Using my XXXX XXXX XXXX, on my XXXX Account, I places an order for {$330.00}, order number XXXX. The order was separated into multiple packages, and for one reason or another one of the packages never arrived. The missing package was {$37.00}. When the package was updated to delivered in XX/XX/2020 at XXXX pm without any XXXX delivery truck appearing all day, I immediately checked my porch, and other areas around my home. However, the package was not there. I then walked to another building that has a secured mail room, that packages are sometimes left at. However, there was again nothing there. I then went through my XXXX account and using the customer service portal, timestamps at XXXX, I noted that no delivery was made to my address. I was informed to wait two full days and if the package wasn't received by then I get a refund or XXXX will replace my item. 

After waiting the full two days, I reached out to XXXX on XXXX/XXXX/XXXX, and reported the item as still not delivered. I was told by customer service that they researched the item and was instructed to wait two more days until XX/XX/2020, and I will definitely get the item. 

Now on XX/XX/2020 I have reached out to XXXX reporting the item as still never being delivered. However, they stated due to a delivery being noted, that I am not eligible for a refund or replacement. 

Despite documented proof of the item never being delivered, and documented correspondence from XXXX guaranteeing a refund, XXXX is still listing a charge for {$37.00}, for an item never delivered. This even appears on my credit report as part of my balance, even though they failed to provide the services to run the charge on my credit account in the first place. 

I did not reach out to Chase, as a dispute and/or chargeback is pointless. As I initiated the transaction and XXXX can show fictitious documents of delivery. However, I've included XXXX on the complaint as this affects my XXXX XXXX contracted out through Chase.
Product: Mortgage

I am reaching out to discuss a matter of significant concern that has impacted my ability to meet my financial obligations. As you are well aware, the world has faced an unprecedented challenge with the COVID-19 pandemic. Like many others, my family and I have been directly affected by the health, economic, and social consequences brought on by this crisis.

Due to the COVID-19 pandemic, my household has experienced job loss, reduction in income, and increased medical expenses, which have resulted in financial strain. Despite my best efforts to maintain a steady payment history, I regret to inform you that I fell behind on my mortgage payments for the past few months. The circumstances were beyond my control, and I sincerely apologize for any inconvenience this has caused to your institution. 

My request is to consider making a one-time goodwill adjustment to my account. 
XXXX Account number : XXXX This could include waiving any associated late fees, reevaluating my payment schedule, or offering a temporary reduction in interest rates. I assure you that I will make every effort to honor any modified agreement promptly.
Product: Mortgage

Company : Bank of America Date : XX/XX/2020 Person ( s ) Involved : XXXX ( NMLS # XXXX & XXXX XXXX ) Issue : Pretextual Discriminatory Mortgage Policies in XXXX & Low Income Areas : Bank of America has internal policies and procedures that essentially excludes millions of potential homeowners through discriminatory policies : The policy indicates that properties in certain areas, a XXXX credit score is required. 

I inquired about a relatively inexpensive property of XXXX of which XXXX said 25-30 % would be required. I have the 30 % available in my checking account now and a XXXX score according to XXXX XXXX, yet XXXX indicated I have a of XXXX score. That said, XXXX immediately refused to provide alternatives or options and consistently demonstrated his unprofessional behavior for a BOA customer of 17 years. 

The Bank of America policy of XXXX or above credit scores seems quite discriminatory in that the particular area has the following factors : XXXX very low income, 2.a distressed area, 3. predominately XXXX and 4. public search indicates that a low percentage of people in that area have a XXXX or above credit score and state would qualify to purchase an investment or regular residential property. I cite discrimination based on the above factors. It essentially excludes the potential for home ownership. 

This policy excludes the potential for new XXXX and XXXX homeowners and landlords interested in rental properties. 

I have checked XXXX  and XXXX  and I have a score of XXXX in both cases. Even still, the analyst I spoke knows that I have 100 % on time payments and a 30 % down payment available. Will a XXXX person always be prevented from being landlord or investment owner based on pretextual policies put forth by BOA? 

How can the complaint be satisfactorily addressed? 
Implementation of Non-Discriminatory Mortgage and Finance Packages and options. Providing alternatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed due to XXXX XXXX XXXX XXXX XXXX has fell to correct the inaccurate late payment that being furnished to XXXX, TransUnion, and XXXX in regard to this account. I have made multiple attempts in trying to resolve this matter privately. I have shown XXXX XXXX  XXXX XXXX XXXX the error in the reporting of this late payment, which they have fell to correct, which is a violation under the FCRA. This will be my final attempt in resolving this matter before filing a complaint with the XXXX for arbitration. XXXX XXXX XXXX XXXX XXXX has defamed my character by placing this inaccurate information on my consumer report.
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.

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and 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: Debt collection

This complaint is regarding Equifax not investigating the data I have sent them regarding a debt that XXXX XXXX XXXX claims I owe. 

I have opened 4 complaints with equifax regarding a debt that is attempting to be collected by XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating they don't have any documentation regarding the debt, and they will not be reporting this debt to the credit agencies. This was after I combed through medical record to see if I'd ever visited this facility and contacted my medical insurer XXXX to see if anything had been submitted to them. 

I have filed 4 disputes with Equifax providing that letter, my original letter from the collection agency, with the certified mail receipts from each. Equifax has closed each of these advising that I owe this debt. Those dispute numbers and dates are : Dispute # XXXX opened XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX ( After I received letter from collection agency stating they would not report to Credit Agencies and  provided that to Equifax ) Dispute # XXXX opened XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX Each of these disputes were closed stating that Equifax found that the debt was mine. I contacted Equifax via phone this morning asking what data they had been provided to support the debt was mine, and I was advised they have received nothing from the collection agency. 

They did acknowledge they had received the previous letters I'd submitted from the Collection Agency stating they would not be pursuing this matter until they could provide additional documentation. Equifax closed each of these disputes without reviewing the 7 pages of documentation that was submitted with the dispute. 

The response this morning was to open another dispute : Dispute # XXXX I was advised they would investigate again and put a note on the account that I have previously provided documentation and it was on my records.
Product: Debt collection

Midland credit is constantly calling me from spam numbers. There's no way I can call back because they use a spam number and when I try and call the number back it goes to someone's personal phone or a local business. when I do answer and I tell them to stop calling or ask who's calling they either get hostile or they hang up on me. They usually call form a number that is very close to my cell phone number usually a XXXX number. They never leave voicemails, they call multiple times an hour. I've repeatedly asked them to stop calling but whatever I do they hang up on me or get hostile. Calling from spammed numbers is illegal, so is calling multiple times an hour.
Product: Student loan

Over the past 2 years, I have tried to get a correct number count for public service loan forgiveness ( PSLF ). I first called on XX/XX/XXXX because my PSLF numbers were not correct. This was not correctly input into the system after my call so when I called again on XX/XX/XXXX they proceeded to place it in correctly. I have called multiple times and there is no timeline to get my numbers correctly placed though administrators are able to see " correct '' vs " incorrect '' payment months each time I call. 

One month ago, my loan " split '' for no reason. I had two loans with FedLoan and it then became three. I never asked for my loans to " split '' but it happened. After doing that, I lost ALL my PSLF payments ( before I had some payments, just not the correct count. ) I have contacted the company multiple times but they just keep saying there is no timeline and they will mail me my info when it is done. I believe 2 years is an extremely unreasonable amount of time to wait to get correct information which administrators are able to see immediately.