23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My personal information was leaked out due to EQUIFAX XXXX XXXX. I have a collection for the amount of {$2000.00} being reported on my report from XXXX Collections on the date of XX/XX/year>. This charge is out of my knowledge. My information has been getting used without my consent for years. I also see addresses on my report that arent familiar. XXXX XXXX XXXX XXXX, TN XXXX is not my address nor are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I also see names that are not my name on my report. These names that are showing up on my credit is not correct. My name isnt XXXX XXXX XXXX. My name XXXX XXXX, XXXX. My name XXXX XXXX XXXX, XXXX nor is it XXXX  XXXX, XXXX. All these unfamiliar names were used. I also have collections from XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$2100.00} XXXX XXXX XXXX Opened XXXX {$2100.00} XXXX XXXX XXXX Opened XXXX {$2100.00}
Product: Debt collection

Since  XXXX    XXXX   I have been trying to get a validation of debt From  LVNV FUNDING, LLC  on this account and I have n't received a response this negative error is preventing me from making big purchases
Product: Debt collection

The collection company Transworld Systems I added a collection on my credit report that is fraudulent. I never received a letter or any type of communication that there was an attempt to collect a debt. I was informed by an alert from XXXX and XXXX XXXX that it was added to my XXXX and XXXX report as a collection for the amount of {$220.00} opened XXXX XXXX XXXX I have never owed money to XXXX XXXX.
Product: Credit card or prepaid card

Step 1 : What is this complaint about? 

Capital One will not issue money back due to time constraints on a dispute. 
XXXX XXXX company instructed me to request money back from credit card when trip was cancelled however Capital One has closed my case with no refund. 

Step 2 : What type of problem are you having? 

Capital One will not reimburse Total : XXXX owed. 

XXXX -- > XXXX XXXX -- > XXXX Step 3 : What happened? 
Booked a trip through a company called XXXX which went insolvent during covid and all trips were cancelled with no refund. I filed disputes with capital one and they closed the one dispute with no refund. The other charge from XX/XX/XXXX they would not open a dispute for due to time constraint. 

Step 4 : What company is this complaint about?

Capital One Credit Card Step 5 : Who are you submitting this complaint for? 
XXXX. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax Dispute Center on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of the information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected rights.
Product: Mortgage

My mortgage servicer declined to remove my private mortgage insurance after I've made multiple request. My home has been appreciated to almost double the value according to XXXX in person evaluation.
Product: Credit card

I hired a transportation company in XXXX XXXX airport to take us 21 kilometers. The agreed upon rate was {$60.00}. When I handed the agent my card for payment the screen on the POS system read XXXX dollars USD and I typed in my email address for a receipt because they could not print one from the machine. After I handed back the machine they changed the amount to a highly inflated number and processed the payment. I received a text message from the credit card company asking if I authorized this charge and I immediately responded no, I also called the credit card company immediately to express my concern about being scammed in XXXX. They told me because the charge was still pending to wait and present them with a receipt to dispute. I sent Capital One a copy of my receipt from our driver, the copy of the text message responding officially that I did not authorize this charge, and several pieces of evidence showing the usual and customary charge for a similar route ranging from {$49.00} to {$60.00} which is exactly what we should have paid. All the transportation company sent was a copy of a transaction report showing how much they charged which of course we know that's what they charged however that is in dispute. As a consumer what more could I have done to immediately notify Capital One of the discrepancy? Why didn't they request the invoice of charges along with my signature? Why did I never get an email receipt from the merchant? Why did they not accept the receipt from the driver? From exhaustive research, this is a common practice at the XXXX Airport where they charge a different amount than the verbal agreement and most tourists do not find out until they receive their statement. Then it is too late to fight. However because I was texted and made aware of the charge I immediately notified Capital One that I did not authorize this, why has this been ignored? Why was my phone call not enough to turn our account off or freeze it? Why does the consumer get left with the bill when there is so much clear evidence of being scammed? Why did Capital One instruct me to get a written receipt so that I may dispute the charge in the future when they would not accept the receipt? Just because the scammer sent a transaction report doesn't mean that the charge was authorized. It just shows what they ran the card for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigate Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file. 

According to the Fair Credit Reporting Act the term investigative consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item ( s ). 

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report. 

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX. ) XXXX  XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX  XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX  XXXX # XXXXX XXXX XXXX XXXXXX XXXX. ) XXXX  # XXXX XXXX XXXX. ) XXXX XXXXI # XXXXX XXXX XXXX. ) XXXX  XXXXXX # XXXX XXXX. ) XXXX # XXXXXXXXXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXXXXX XXXX. ) XXXX XXXX XXXXXX XXXX XXXX XXXXXXX XXXX. ) XXXX XXXX # XXXX XXXXXXXXXXXXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXXXXXXXXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXXXXXXXXX XXXX. ) XXXX XXXX 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.

15 U.S.C 1681 section 602 A States I have the privacy.

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Student loan

Mohela is showing that I have a past due balance which I do not. My loans have been in forbearance since it has transitioned to a new website and now that there are lawsuits pausing SAVE Plans. I have a record of {$0.00} owed because I was previously on autopay and their recording states autopay would roll over if previously enrolled. In addition, I have been frequently checking the status of my accounts and loans and have never seen a payment due until today ( XX/XX/year> ). I also never received a bill stating I was to make a payment. I have reached out to them and currently have been on hold for over an hour without any contact with a person to get the issue resolved.
Product: Credit reporting or other personal consumer reports

Transunion: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Huntington Bank is offering loans for a XXXX small business owners. On XX/XX/2021 I went to the Huntington Bank in XXXX Mi. I met with the Branch Manager XXXX XXXX. XXXX XXXX was very helpful he explained the process and told me what the underwriter was looking for. I meet all requirements so I was excited and hopeful he also shared that another property management business was just granted a {$75000.00} Line of Credit for capital. I was very excited to apply. I submitted my business plan and personal information and agreed to the personal guarantor to secure the loan. 

I did not receive any update in 2 weeks so I called to follow up, XXXX stated my loan was denied and he escalated to another department to get me approved. As my personal credit, business credit and business plan were great. I was denied again due to judgments he stated. I was shocked I stated that is a mistake I don't have any judgments. No judgments are reflecting on my credit reports. I went to the bank in person on XX/XX/2021 to pick up my business plan, I asked XXXX specifically where did underwriting see the judgments which bureau? XXXX reviewed the underwriting notes and stated it was two unverifiable judgments with XXXX XXXX. I was furious! They used a non-credible agency, a public record agency that after I spoke with them, they have in writing the reports are to not be used to grant nor deny credit. This is a non-consumer reporting agency, why would a company like Huntington bank use a public record company that is not a consumer reporting agency? XXXX XXXX told me that the information was from 20 years ago. This information is not mine and is not correct! Huntington Bank pulled my credit I allowed a hard pull to my credit for this company to use a public record company to base the credit decision? This was deliberately done! 

I told XXXX, that Huntington Bank has a program that helps XXXX but just not XXXX that look like me, I am XXXX XXXX. I said they are purposely looking for a reason to deny if they are searching public record information and using that to determine credit which means they are looking for any reason to deny, why pull my credit if you're not going to use it? For the record, XXXX tried to fight for me and told me after I speak to XXXX XXXX to come back and we can file a complaint. I followed up with XXXX and provided the letter from XXXX that stated the report is not to be used to approve or deny credit and that the underwriter needs to stop using this to make a determination. Sadly, I never heard back from the manager, therefore I am filing this complaint.
Product: Credit reporting or other personal consumer reports

someone used my identity information to try to obtain accounts that do not belong to me. please remove these inquiries from my credit report.
Product: Credit card or prepaid card

AMEX Removed my {$50000.00} credit limit and put me on Monthly Full Balance payments on XX/XX/XXXX. I have been a Platinum Member for 19 years with an excellent payment history. I Went to my statement to extend my Balance over time to give me some help during Covid Lockdown and learned of this change to my account. AMEX customer support could not tell me why but I subsequently found an email in my junk folder telling me of the change. Due to a change in my credit report. How is this legal? Pull my only access to short term credit ; in the middle of a lockdown ; with a Stellar Payment history ; WITH AMERICAN Express! Happy to pocket the profits for 19 years! Im sure the answer I get is : Sorry ; they are a private Co and could do what they want! Just once ; maybe do the right thing!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 12345, has violated my rights.

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

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

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX {$2800.00} XX/XX/XXXX MBA Law {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.
Product: Credit reporting or other personal consumer reports

Loans or installments are not mine. Tried to dispute with the company and Experian and had no success
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared. The continuous sharing of inaccurate, non public information without my expressed written consent to my consumer credit report isn't fair nor equitable and has been ruining my reputation. 

Please See Attached Documents Exhibit A : Passport Card CAF Notice, Power of Attorney, Fee Schedule.
Product: Debt collection

XXXX  XXXX  has an employee by the name of XXXX XXXX he is sending me emails for debt at XXXX XXXX  at night.
Product: Prepaid card

Bluebird debt card is refusing to transfer Close bluebird I kill my {$170.00} into my open bluebird account I have called a number of times and it still sitting in the closed account all do too sprints cell phone service criminal activity. After 5 1/2 months and telling to go executive supervisor at XXXX cell phone service that that card is been closed they still sent that to the close the bluebird account. I will either have to file a federal lawsuit against the Bluebird if I do n't get satisfaction in 24 hours
Product: Credit card

Recently got access to XXXX XXXX and realized there is a credit card opened in my name in XXXX. I have never opened a credit card. The card is maxed out and affecting my credit score
Product: Credit card or prepaid card

I have tried to get a hold of your customer service to find out the status of my arbatration case you guys got the papers 3 weeks ago and signed for them I sent them certified mail what is going on with this I have no updates
Product: Checking or savings account

I am submitting this complaint as a XXXX Bank customer in which Wells Fargo allowed a washed check to be cashed. XXXX Bank as followed up but has not heard back from Wells Fargo regarding a fraud claim filed. Please find the following details below. 

On XX/XX/XXXX, I noticed a check clear from our bank account for an amount that was not recognizable. I pulled up a copy of the check online and saw that the writing on the check was not my husbands handwriting. Everything on the check was changed, the name was changed from Wednesday XXXX to XXXX XXXX, the date was changed from XX/XX/XXXX to XX/XX/XXXX, the memo was changed and a picture of a XXXX tree was drawn, my husbands signature was written over, and the amount was changed from {$50.00} to {$500.00}. I proceeded to my local XXXX bank and informed them of the situation. They instructed me to file a claim, which my husband and I did right away. After following up with XXXX Claim services several times, I finally received word on XX/XX/XXXX that they did not get a response from Wells Fargo regarding this matter. My husband and I found ourselves very frustrated by this. After dealing with many life circumstances, I finally took further action. One Wednesday, XX/XX/XXXX I filed a police report with the XXXX XXXXXXXX XXXX XXXX The report number is : XXXX. Upon speaking to the XXXX, he agreed that this indeed was a washed check. On XX/XX/XXXX, I filed an Identity Theft Report with the United States Postal Service as this check was taken from the mail. I am writing you to please give our {$500.00} back to us. Your bank has allowed this check to be cashed when it never should have been. 

Enclosed you will find all my correspondence with XXXX bank including the claim I filed. You will also see copies of the check before and after the altered check so you can examine the writing and signature. I have included copies of the XXXX  business card and an email confirmation that I filed a identity theft claim with XXXX. 

Feel free to contact me with any further questions to resolve this matter. 

Thank you-
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report : [ List of inquiries with dates ]. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries. 

XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have sent our multiple letters to each Credit bureaus about reporting Inaccurate information on my consumer report to other companies without my consent or authorization ( Identity Theft ). Due to each bureau reporting this has caused me to be denied for the necessaries I need to live such as a home, car, credit cards, business lines of credit etc. As the consumer I am not Injuries by the actions that have been taken by the bureaus. This has caused me a MAJOR hardship, the damages and losses have been tremendously over whelming. I have called and sent out letters by mail, as well as filing multiple disputes multiple times Since XX/XX/XXXX up until today XX/XX/XXXX. The bureaus have not responded back and the in accurate information is still being constantly reported. I have bee receiving letters in the mail from third party debt collectors saying that I owe them. I never set up an account with.
Product: Credit card or prepaid card

we were suppose to get {$90.00} back on our sams club mastercard as cash back rewards for the year.. the customer service person and then the store manager in XXXX ga said we were not entitled to this amount because we did not renew our store membership in person by our annual date of XX/XX/20.. we have had this card forever and have never had a problem renewing. because of covid we were not going into any stores. we did finally go into the store on XX/XX/20 to renew in person at which time we were told that we would not get the cash back reward. 

Funny, our membership still shows our membership date of XXXX. the more i think about this the madder i have become and wonder if XXXX XXXX XXXX has treated everyone like this during the covid epidemic. That means they have pocketed a great deal of cash back, americans/customers we are entitled to receive and basically fraud.
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX 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 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: Credit card or prepaid card

In XX/XX/XXXX, I noted fraudulent charges on my Sear Mastercard ( acct. # XXXX ) and immediately reported these to my credit card company. When the company repeatedly refused to delete these charges, I made a complaint to CFPB ( XXXX ). This was subsequently resolved and I wrote the company and asked that the account be closed. I received a written response from Citicorp Credit Services, confirming that the charges were deleted and the account was closed. There was no further contact with the company until I received a bill in XX/XX/XXXX for {$110.00}. I again contacted the company and explained that the account was closed and no further charges had been authorized by me as the sole authorized user on the account. The company acknowledges that the account was closed, but continues to bill for these charges, which have since increased to {$220.00}.
Product: Mortgage

I have been trying for several years to reduce the interest rate on mymortgage. I am XXXX and the only income I have is social security. Wells Fargo has been giving me the runaround. 

I again tried to reapply this year and they still give me the runaround. I talk to representative on the phone many times and get no answers. You would think that with the current financial worldwide issue they will listen. I am asking for a rate reduction that's all. 
I have a ref. # XXXX My mortgage no. is XXXX The property is XXXX XXXX XXXX XXXX. XXXX XXXX, nY XXXX Please help the stress is overwhelming ... I just had XXXX and the prognosis is not good