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

Made a payment with my XXXX XXXX  for my travel needs and when I made a payment I was told by representative that helped me with my payment stated it will reflect on my account in 2 days. I followed up 2 days after which was XX/XX/23 and was told that they can not release the hold till 7 days!! I was advised that they can escalate due to I was misinformed of the rep that took my payment regarding payment process and send a proof of payment which was sent to secured messaging. I asked to speak to a supervisor to help me escalate my problem and confirmed thats they received my proof of payment. I tried to follow up again regarding payment and unfortunately the supervisor that helped cant do anythIng to help! Out of the 3 supervisors I talked to only one had the compassionate and understands my situation. I am leaving in a few days for vacation and still no response!! Very poor customer service!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Product: Mortgage

I recieved a letter showing my overall monthly payments for the new year would go up due to a " shortage '' in my escrow account. previous year escrow payments were XXXX and new monthly escrow payments were to be XXXX which is actually less that the previous year. This was due to my taxes going down and insurance being less. Also, on XXXX there was an excess or overage of XXXX so there was not shortage at all. With all this, my actual escrow being less, my payment should go down, not up. For the previous year XXXX was the total dollar amount paid in through escrow and XXXX would be the actual dollar amount needed and paid out. XXXX would be the new amount of escrow needed for the upcoming year, which is obviously less than the previous year. Again, the payment should go down, not up. After trying to get an explanation i was transferred back and forth multiple times and was on the phone for over an hour with no resolution
Product: Credit card

I have a capitalone venture credit card # XXXX XXXX XXXX XXXX. I signed up and approved for promotional reward points about 1 yr ago. I accumulated about 86,000 reward points unredeemed. I applied for Capitalone spark card for business card 3 months ago which was rejected and closed. Capitalone then claimed fraud on the 1st venture card, all the transactions on the Venture card were authorized and had XXXX XXXX. Capitalone requested income verification and bank accounts which I provided. 
After multiple lengthy conversations with the fraud department, the customer service department representatives are poor with XXXX accent from an foreign country with very poor connection call, but finally we verify the identification with XXXX bank representative on a conference call. My identification and bank account deposit verified. 
We thought the fraud claim issue was resolved. Dated on XX/XX/year>, Capitalone closed my account and about 3 months ago they locked the card with 86,000 reward point so I couldn't not accessed.
Product: Checking or savings account

On XX/XX/2023, I unknowingly lost my ATM card after using it to withdraw {$100.00} from my local Chase branch. After this happened someone seems to have HACKED my account using my ATM card and made 13 Atm withdrawals at 4 atm machines of between $ XXXX and also two E withdrawals of {$2000.00} each at two different branches within 2 minutes of each other ( XXXX ; XXXX and XXXX ). In total I lost over {$8000.00} and Chase failed to have proper safeguarding to prevent this happening at 4 ATMs and two branches within an hour or two. i did not receive an alert from Chase until that evening and it was a text notification on my app. 
I visited the branch manager and called Chase several times to resolve this with no success. The police came to bank when I was there but just gave me an incident report number and never filed the report. After following up several calls later Chase will not disclose results of their own investigation, will not disclose what security footage finding 's revealed, or taken accountability for their lack of fraud safeguards.
Product: Payday loan, title loan, or personal loan

I was pre-approved for a personal loan with Citi. All of the paperwork that I signed indicated that the payments were due on the XXXX of each month. The payments are auto deducted from my checking account. Each month since XX/XX/2022, the payments came out on the XXXX. In XXXX, the payment was taken on the XXXX. I have a big problem with this. 

If Citi starts to do whatever they want to do, this may cause a huge problem for me. I am very angry about this. 

This could have caused checks to bounce, and would have cost me even more.
Product: Credit reporting or other personal consumer reports

delete these inquiries In accordance with the Fair Credit Reporting, 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. 

XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX ._____________ XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I do not owe the debt, I contacted " XXXX XXXX PA '' group directly. The manager apologized for the mistake with poor communication from them. I am not sure what service the state charge was for. I have spoken with this group multiple times about this. Around this service date, I had XXXX XXXX. Although, I have paid this same bill XXXX times now ( XXXX with the collections claim ). These are fraudulent charges that have been reported to the XXXX. I spoke with the " manager '' of stated group, they were not able to state reason for bill, only stating amount needed to be paid. I was assured that I would receive an itemized statement multiple times in the mail ( their only option in sending ), although this was never received. They have failed to provided proof of the debt after multiple requests. I was assured that this the collections claim would be revoked until they provided me itemized statement or proof of debt. 

Of note, after relocating, I did not receive written notice of collections claim until after stated date to respond. 

I plan to pay this repeat fraudulent charge on XX/XX/2024 as it is negatively affecting my XXXX XXXX. ( XXXX XXXX XXXX paper mail notification without other payment method other than mail-in. Will pay online/remotely during business hours with colllections. ) I would like a refund for this, {$240.00}.
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 found out on how to remove the fraudulent items in my report that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XXXX  XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021
Product: Mortgage

We submitted a full short sale package for XXXX purchase price back in XX/XX/XXXX in XXXX, then in the first week of XX/XX/XXXX Mr. Cooper countered our original offer an additional XXXX more. My buyer provided his property inspection report, and countered back at XXXX. Sensing the sale date getting closer, we again asked if the sale date was postponed? We were told by Mr. Cooper they would file a motion to cancelled the upcoming XX/XX/XXXX Foreclosure Sale Date since they had received a completed short sale package and a CASH offer, and since the counter offer was still short of the investors price, they would also have to put the property in their auction site XXXX. But the sellers had to agreed to that or they would cancelled teh short sale. They Also told us not to worry, because they will cancel the foreclosure sale date. 

The property was in the Auction for a week and my buyer was the only bidder, since the home had may issues with mold and water damages. Since my buyer was the only bidder, and he already had the property under contract with Mr. Cooper, we were told that XXXX would transfer it back to Mr. Cooper. That transfer took another week of loss time for them to release the property. Then Another week went by before Mr. Cooper engaged us in XXXX to let us know that the property was being release back to XXXX   and the Negotiator wanted to counter again at XXXX. 

We agreed on the XXXX sale price and teh lender requested a HUD-1 reflecting the new price, and addendum reflection all parties has agreed to said price, and updated proof of funds. All documents were quickly uploaded and sent to the Lender in XXXX. 

Last week we requested a response on when we can expect the short sale approval. The Sellers also went to court on XX/XX/XXXX to make sure the sale date for the property was indeed cancelled. They showed up and was told that the lender a day before sent in a motion to cancel the original motion to cancel the Sale date and they were proceeding with the foreclosure on XX/XX/XXXX.

We explained that this was a Dodd-Frank violation and it goes against the CFPB guidelines, and we were told, too bad! The sellers contacted Mr. Cooper on the phone and spoke with the bank for about an hour. She spoke with XXXX XXXX in regards to our situation and she had all the paperwork in front of her, she got someone from the foreclosure department to review our package and she saw the $ XXXX cash offer. She came back on the line and advised the sellers that the paper work was all sent in time and that they are rescinding the foreclosure and will continue with the offer. 

We are now told that they will not vacate the foreclosure. Can someone help?
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$440.00}.
Product: Vehicle loan or lease

Westlake financial Services closed my auto loan due to my hardship and charged off the loan as a bad debt to the IRS and had a third party company called XXXX XXXX come and steal my car from my possession which I had very valuable belongings in the car they would not let me get my belongings unless I handed them the key to the car now they have my car sitting at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not have no contract with XXXX XXXX. Now Westlake will not let me get my car back because they already closed the loan because they wrote it off on their taxes this year. And still going to sell the car to make money off of it. Now Im suffering and can not get my XXXX to school nor can I get to work because I do not have the funds for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months around the middle of each month my Equifax score plunges between XXXX and XXXX points with no noticeable changes to warrant such steep and sudden drops. Sometimes they are corrected within a few days, however, other times they take more than a month or so to be corrected. This has been occurring almost every month beginning in XX/XX/2023 and recently occurred at the time of this complaint. I have taken screenshots of the trajectories of these irratic movements per line graphs as well as screenshots documenting the manic behaviors of this account 's scores. This is not singularly occurring to my report. A close friend woke up last month to discover that Equifax had reported her " Deceased '' and that all her accounts had been closed and her credit score was " XXXX ''! There are a plethora of similar complaints about the aforementioned behavior by Equifax on sites such as XXXX where plunges and restorations of over XXXX points had occurred within a day or so from each other. I have been denied credit and have also had interest rates on my credit cards increased as a result of this fraudulent activity and may decide to seek remedies through the Federal Courts if this matter is not investigated thoroughly and resolved satisfactorily. Thank you.
Product: Debt collection

I have no knowledge of this debt and would like it removed from my credit report
Product: Credit reporting or other personal consumer reports

My full name is XXXX XXXX on my state ID. You have a suffix on my credit report as XXXX XXXX XXXX. I am not a XXXX my brother is the XXXX. Please remove the suffix XXXX off my credit report. I have attached my state ID as proof of legal full name.
Product: Payday loan, title loan, or personal loan

XXXX was taking out with a line of credit for {$25000.00} on XXXX to XXXX a lien was put on the property. This loan was paid off XX/XX/2011 the lien was not released from the original lender XXXX XXXX XXXX The bank has merged three times. 

My loan office and myself have request a lien release six weeks ago. In week four of the six weeks, we requested a follow up on the status. They could not give any information. I called today, requested assistance with the process, no information again. 

I am not able to close on an approved loan application due to the bank not offering or providing any information, by a clearance letter or releasing the lien. 

Thank you for guidance in this situation!
Product: Debt collection

I, XXXX XXXX, received a collection notice from Credit Collection Services. The creditor named is XXXX XXXX. The amount of the debt is {$1300.00}. I do not owe XXXX XXXX. I simply switched to XXXX upon renewal as I simply could not afford XXXX XXXX after they increased my rate XXXX %. As a consumer, I have the right to cancel insurance and switch to a more affordable policy. 

Now, XXXX XXXX is threatening to destroy my credit. I am disputing the validity of this debt and will be seeking legal counsel. I have attempted communication with Credit Collection Services but all they 're interested in is collecting money as the are a debt collector. There 's no concern for the consumer.
Product: Debt collection

Called my husbands phone. Said they were sending the debt to lawyers. The total would be added to my debt. My spouse said it was my debt and his name wasnt on it. The the person asked why I wasnt on more of a leash. Asked if I stopped paying because I lost my job on the corner. Suggested I was sleeping around. He cursed at him and treated to kick his XXXX! Inexcusable! This company has also made called to me as early as XXXX and as late as XXXX!
Product: Credit card

After moving out of my uncles house I attempted to change my billing address on the Macys website. I successfully changed my address under my profile but paper statements continued to go to my old address. Upon getting old mail from my uncle I called Macys and they explained that the billing address was not changed, that there is a prompt button at the bottom of the profile change page to change your billing address as well. Not seeing said button I believed the address to be changed and will be attaching a PDF showing that contact info under my profile does not indicate a separate billing address. I have spoke to multiple employees/managers trying to resolve this issue but they have been very unhelpful bordering on rude. They claim that my email notifications should be sufficient. Since I normally do not use this card outside of macy 's I did not expect to have a balance and the email notifications do not indicate a balance is due. 
Do to their deceptive and fraudulent business practices and unwillingness to rescind the 60 day and 30 day past due reports to the various credit agencies, my otherwise perfect credit score was lowered to the effect of paying a much higher interest rate on a 30 mortgage loan. Essentially, a missed {$88.00} payment will result in my unnecessarily paying thousands of dollars more over the course of a 30yr. mortgage.
Product: Checking or savings account

I got charged from Bank of America for monthly maintenance fee. And I transferred money to the account immediately to try to fix this issue. However they told me that I have to got deposits from my employer to waive it. 
It is a close logic loop. If I got monthly payment from my employer, how could I get my account below XXXX? And there is no notification or alert for this fee. Customers only knows it before they got charged
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I have already retained a lawyer for the following complaint but am hoping to avoid lengthy issues and have it be resolved through here. On XX/XX/year> I received a call at XXXX from Affirm requesting a payment on an account that has gone past due. I explicitly said I do not consent to further calls ( this recording is attached ), I recently have had a health emergency and found I have XXXX and often times they call in the morning waking me up, call multiple times a day and on weekends. I am extremely fatigued and need rest. I am unable to pay due to this and due to taking time off work. However, despite being told to stop calling, Affirm has continued to call over and over again utilizing an automatic dialer to harass me. This is a direct violation of my rights under the TCPA and I am now owed a minimum of {$500.00} per violation. The TCPA provides that " It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States... to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice... to any telephone number assigned to a ... cellular telephone service... '' Furthermore, I have not provided any form of consent, neither explicit nor implicit, for your company to call my number, let alone for the purposes of solicitation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts from my credit report. Upon reviewing my report recently, I identified several unauthorized accounts that were fraudulently opened in my name. These accounts are negatively impacting my ability to obtain credit, rent an apartment, and pursue homeownership. 

Please investigate these accounts and take the necessary steps to remove them from my report. I would appreciate written confirmation once this issue has been resolved. Please remove fraudulent accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$12000.00}, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2700.00}, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2400.00}, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$600.00}, Original Creditor XXXX  ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

Creditors Bureau USA has contacted me several times regarding a debt I supposedly owe to XXXX in California. I have asked for verification of the debt such as an order form, doctors authorization, and whether it was submitted to my insurance company if it was a legitimate service, but all they send me is a computer printout saying that is the validation of the debt. I live in XXXX, my doctor is in XXXX, and I find it odd that a California laboratory would be involved in my care. If it was however, they should have submitted it to my insurance and contacted me immediately if there was a problem. Their bald assertion that I owe this money and that it is up to me to prove that I do n't is ridiculous.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, Under my rights outlined in Section 609 of the Fair Credit Reporting Act ( FCRA ), I request that you provide verification of the following accounts. These accounts do not belong to me, and unless verifiable proof is provided, they must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : I am requesting full documentation proving my legal responsibility for these accounts, including signed applications and agreements. If you can not provide this documentation, these accounts must be removed under 15 U.S. Code 1681g.

FCRA Section 611 Request : According to 15 U.S. Code 1681i, you must conduct a reinvestigation within 30 days. If you are unable to verify the accuracy of these accounts, they must be removed. 

If this request is not resolved in a timely manner, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies.