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

THIS IS A CASE OF BIG COMPANY USING THEIR POWER OF NOT REMOVING A FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED AN ACCOUNT WITH BANK OF AMERICA, THEY HAVE ALSO MAINTAINED THE ACCOUNT. THE ACCOUNT IS CURRENTLY CLOSED, WITH XXXX BALANCE BUT NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND BANK OF AMERICA REFUSES TO REMOVE THIS ACCOUNT. UNDER FAIR ACT CREDIT 605 THE FRAUDULENT ACCOUNTS SHOULD BE REMOVED ONCE THE IDENTITY HTEFT HAS BEEN VALIDATED. I AM VICITM AND I HAVE ALSO SENT THEM THE NORARIZED IDENTITY THEFT REPORT SO I CAN PROVE MY INNOCENSE, I HAVE NO IDEA WHAT ELASE I CAN SEND TO THEM TO PROOF THAT I AM VICTIM. REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Checking or savings account

On XX/XX/2020 my account was missing a transaction in the amount of { 15,000.00 }. That same day i called Bank of America and 911 to inform them that i did not authorize that transaction. At the time i called bank of america I told them to to start a claim in order to investigate the transaction. They informed me that a credit of the transaction amount would be credited back into my account within 10 days as the investigation was underway. Before that time i was notified that my claim was closed and not paid. Bank of America also sent a letter stating my claim was denied. I went back to Bank of America to appeal the claim. But that appeal was also denied repeatedly although i have been evidently identity thieved.
Product: Credit card

They capital one closed my account based on I wasn't using my credit card enough so they closed it since the 16 or before but upon till now I still haven't gotten my security deposit back from capital one
Product: Mortgage

hurricane XXXX flooded our home XX/XX/2023. we hired a Public Adjustor. we received a check for $ XXXX plus and Truist is holding the check and will not pay us any funds to repair our home. we owe aprox. $ XXXX on the home. we make appointments for them to inspect repairs that have been made and within XXXX hours they cancel appointment. they refuse to tell us why, they refuse to fund for repairs needed. everytime we try to cash smaller funded checks ( {$500.00} ), they tell us branch managers must approve, then branch manager says they can not approve. then we have to send the checks to the bank and they hold them. they refuse to expalin why they will not give us the difference between the mortgage amount owed ( $ XXXX ) and the $ XXXX they are holding. can not repair the home, can not live in the home without further repairs that they refuse to give us our money for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and l never had a contract with Equiant Financial under the 609 fair credit act. It is illegal to buy another person account and produce inaccurate information on that person credit. I requested Equiant Financial produce sign original document showing this account is owned by me and they are the original owners of the contract. I will be filling a civil Lawsuit for violation under the 609 fair credit act. This collection Agency was allowed to update inaccurate information instead of deleting false information which is a direct violation. This is also fraud and must be deleted immediately.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX a friend sent me {$5000.00} through PayPal. Now PayPal isn't letting me have my money. Although I have done all that is required for me to do. They are trying to steal my money and I can't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and Lexis Nexis without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. XXXX and Lexis Nexis has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt XXXX days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has XXXX days to dispute the debt before it is assumed to be valid. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
Product: Credit card

My ex girlfriend, without permission opened a account with Chase Bank, a credit card that she maxed out to over {$18000.00}. Chase notified me of the amount and the card being maxed out and also that the address and personal information once transferred from my personal information to my ex girlfriends information. Even with all this evidence that my ex girlfriend was making payments from her accounts to the credit card and that her personal home address, phone number and email address was attached to the account, Chase Bank made me responsible for it, and to add salt to the wound, they made me pay at a XXXX APR for this card, that I have never used in any way shape or form. From the beginning I tried working with the fraud division and other sections of Chase to reflect that I did not open this credit card of my own desire, I was tricked to sign the paperwork for it. And again they made me aware that my ex girlfriend personal information was attached to The billing information of this card.
Product: Credit card

My partner ( primary signer ) and I ( authorized sigher ) applied for the Capital One SavorOne credit card, which offered a sign-up bonus at the time if a minimum amount of purchases were made on the card within a certain time. We met the requirements and did not receive the sign-up bonus. 

We contacted Capital One and they said there are two versions of the SavorOne card labeled as SavorOne " for good credit '' and SavorOne " for excellent credit '' ( which is the one with the sign-up bonus ). We signed up for the latter version of the SavorOne " for excellent credit '' but instead were approved for the former version " for good credit, '' which did not include the sign-up bonus. The fact that Capital One uses the exact same name ( " SavorOne '' ) for both credit cards is extremely deceiving, but the bait-and-switch technique that they use to further deceive customers into thinking that they are receiving a sign-up bonus after making required purchases is doubly deceiving and appalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

they issued my XXXX cards and as I understood that the cards can be expired but not the fund. so when my cards expired, I requested for cards to be reissued and they refused to do so. I would like CFPB to look into this matter and protect me as a consumer fairly so I can get my funds back. Please contact me if you need any further information.
Product: Credit card

In accordance with FCRA, This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency cant furnish an account without my written instructions. Under 15 USC 1666 ( d ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX   saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel Equifax, XXXX  and XXXX  should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..
Product: Debt collection

Today I received notifications that new collections accounts were added to Cbr reports ... I called Ability Recovery and was informed that they had been reviewing my BK filled in 2014 and stated I was still responsible for charges from dates of service XX/XX/2014!! My ch XXXX was discharged XX/XX/2014 .. I am not liable or responsible to pay this debt.. I do have 1date of service for XX/XX/2014 that they indicate Im responsible for .. 
I would like the verification of debt for the file associated with date of service XX/XX/2014 And removed the other to accounts off my CBR
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Loan balance inXX/XX/XXXX was {$220000.00} ; In reviewing XXXX report, balance is indicated, as of XX/XX/XXXX as {$220000.00} - how does the loan balance go up??

I called The Money Source and XXXX  was unable to assist. I was promised a return call but have received same responses before that never happened.
Product: Credit card or prepaid card

In approximately XXXX, XXXX, I made a reservation on XXXX XXXX for a trip to XXXX using a credit card. I then received an email that if I used XXXX XXXX XXXX XXXX Platinum for other fees, there would be no luggage fees. I applied for the card and was approved. I put my luggage fee on the card but later was told it was only waived if I used the card for the purchase of my ticket. I paid the fee on my card and cancelled the credit card because their agents refused to waive a {$25.00} late fee on a {$25.00} charge and because of the false advertising. 

It has been a nightmare since that time. I got calls every day because they billed a late fee on a late fee which I did n't pay. I then decided not to fight for such a small amount and paid my XXXX bill by the due date of XXXX XXXX, XXXX by mail.It was received by them by XXXX XXXX, XXXX but they did not credit it to my account until Sunday, XXXX XXXX, XXXX and sent me another bill for a {$35.00} late fee plus interest on a {$25.00} late fee. The card says there is a late payment if they do not receive the payment by XXXX XXXX, XXXX. They could not have received the payment on XXXX XXXX, XXXX because there is no mail on Sunday XXXX XXXX, XXXX. 

In my opinion, that is fraud - To hold a payment until is overdue and then charge a late fee on a late fee with interest. 

The only item that was ever charged to my account is {$50.00} in luggage fees ; nothing else. 

I am warning others not to apply for a XXXX XXXX Platinum Select Card I am also asking the CFPB to investigate the practices of XXXX Cards. 
Specifically, their practice of not crediting payment on the date received and charging late fee and interest on a late fee. 

I am an attorney in Ohio.
Product: Credit reporting or other personal consumer reports

Recently when viewing my TransUnion credit report, I noticed an unauthorized hard inquiry being reported by XXXX XXXX XXXX. This inquiry was made on XX/XX/2023. I ask that you investigate this inquiry and when it is revealed that this inquiry was not made by me I want it removed from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as some wrong information from my report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I discovered that my credit card has been fraudulently used and taken, so I reported to XXXX and that I had never used this credit card since XX/XX/XXXX, and the person who used my card was making payments on time. However, the credit card was maxed out to the limit, I found out when i tried to get a loan and was informed that i had my XXXX card maxed out, however with no lates, just that it was a debt ratio ( high ).  XXXX then issued a new card, but I'm still seeing that neither the credit bureaus nor discover seem to do anything about it or remove that from my credit. I do have a police report that I submitted to XXXX investigation dept, and up to present nothing been done. I just want my credit profile back, please assist
Product: Mortgage

My mortgage company over paid my XXXX XXXX XXXX XXXX XXXX XXXX XXXX by {$1200.00}. I attached a screenshot showing the over payment. When I called to have my escrow withholding changed I was told I would receive in update in 30 days. It has been 3 months and they have not adjust my escrow and have not contacted me with an updated escrow analysis. Their inability to do something as simple as pay the appropriate amount has put an unnecessary financial burden on myself and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want thm to be remove from the 3 credit reporting agencies.

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account Amerinat has violated my rights 15 USC 1681 Section 602 States l have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I disputed three charges with Citibank. They are internally given the following codes : XXXX XXXX XXXX After entering the XXXX on XX/XX/, I noticed that my access to parking was regularly blocked by other tenants in other units on the property. These regular blockages were due to the fact that the merchant overpromises the single-lane parking spots to all three units on her property, even though the units are short-term rentals, and hence the tenants have no way of communicating with one another, as they change several times a week. 

I contacted the merchant and notified the merchant that I was not being provided what had been advertised. The merchant admitted repeatedly that the blockages were real and that I was not being given what was advertised. The merchant repeatedly acknowledged that I am due a refund. I was regularly unable to leave for work on time, or leave for work at all, or go anywhere with my car, as strangers with unknown vehicles appeared several times a week and blocked my exit. 

Now it is up to Citicard to do as the merchant says it should : refund me all three charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquires are not recognize ir authorized. XXXX XXXX reporting inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX
Product: Debt collection

Commonwealth financial called me and refuses to send me a bill so I can verify the debt owed. They pressure me to pay over the phone and wont send me a bill.
Product: Mortgage

I have been trying to contact my mortgage company ( Union Home Mortgage ) for at least 1 week to request relief due to COVID-19. I have called numerous times and there is no ability to leave a message or even hold for an agent. I have submitted online requests for assistance as well. I simply can not get any communication from them and I am in need of assistance. Please help!
Product: Credit reporting or other personal consumer reports

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

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




XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 XXXX  years.

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

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. Please delete these accounts as well XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was recently notified there was a change in my credit report from XXXX XXXX. When I checked, a debt collection was on my report as a unpaid debt of {$2500.00}. I work very hard to keep all my payments current, no late payments, etc., so that my credit score stays in a very 'good ' place. This report dropped my score XXXX points!!! This is not my loan. It is a result of identity theft in XX/XX/XXXX. I went through the necessary steps to dispute this through identitytheft.gov. when it originally occurred. I have never heard from this collection company 'Paramount Recovery Systems ' until I called them XX/XX/XXXX, inquiring about the information placed on my credit report! From what I understand, a collection agency is suppose to contact the person before anything is filed on their credit report. Paramount Recovery has never contacted me. I had no idea this fraudulent claim was in collections. 
Repairing credit isn't an easy thing to do, so I am frustrated that a company can place an extremely negative report on my credit, especially without contacting me first to let them know it is not my loan! This very negative mark can/will affect my good rating on my credit score and credit report, making it very difficult to obtain credit in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in XXXX   Louisiana. XX/XX/2019