23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rushmore Mortgage did not tell me when I went into forbearance under the CARES Act that they would want thousands of dollars from me after the forbearance ends. I thought they would tack it to the end of my mortgage. Are they trying to take peoples homes from them?
Product: Credit reporting

XX/XX/2016, inquiries were removed from my Transunion credit file and several days later they were placed back on my credit file. These inquiries were added back to my file and I was not notified in writing by Transunion. Per the Fair Credit Reporting Act ( FRCA ), Section 611 ( 5 ) ( b ) ( 2 ), that is against the law. I have tried for several days to speak with someone at Transunion, however I have not been able to speak to a person, but placed on hold several times for extended periods of time each time I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} U S DEPT OF EDXXXX XXXX Balance : XXXX U S DEPT OF EDXXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$780.00} US DEPARTMENT OF EDU XXXX XXXX : {$4000.00} US DEPARTMENT OF EDU XXXX Balance : {$3400.00} US DEPARTMENT OF EDU XXXX Balance : {$3700.00} US DEPARTMENT OF EDU XXXX Balance : {$2100.00} US DEPARTMENT OF EDU XXXX Balance : {$5300.00} XXXX, XXXX XXXX Balance XXXX {$690.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  Balance XXXX {$780.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX  Balance : {$100.00} XXXX XXXX XXXX Balance : {$690.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XXXX XXXX noticed unauthorized charge on my company 's account so call the bank immediately and I shut my ATM card off and even at the time still on the phone with the bank the person with the fake card tried making another charge.at XXXX, XXXX XXXX, N.Y. 
the charge was at XXXX XXXX XXXX in XXXX XXXX, N.Y. for {$170.00} a New ATM Card was sent to me a Temporary charge was credited to the account on XXXX XXXX for {$170.00} on XXXX XXXX the claim was denied and bank took the money back so I called to found why, and only told that the claim was denied with no correspondence from the bank what so ever or a affidavit disclaimer was not sent to me at any time, not even after I requested a affidavit disclaimer be sent to me and still no correspondence. 
from the bank and no further information after reconsideration to reopen the claim. 
nor would get answers about the bank security being breached that was not reported to FTC.
Product: Credit reporting

Today I received in the XXXX Mail a letter from " Equifax '' credit bureau dated " XXXX XXXX, 2015. '' On this same letter under the column " Previous Addresses, '' it incorrectly states that I lived at " XXXX. XXXX XXXX ; XXXX, California ; XXXX '' as " Reported : XXXX. '' I have NEVER lived in " XXXX, California. '' I 'm not really sure where it is at. I am a victim of " Identity Theft. '' For the last 18 years I have lived in the XXXX, California area. When I called up " Equifax , '' they refused to " Delete '' this false XXXX '' address from my " Equifax '' credit file!
Product: Debt collection

This is unknown and I know I do NOT owe nor is this mine, I have disputed etc and it is still listed on my credit file. I need some help Account listed Capio Partners {$110.00}
Product: Checking or savings account

There have been at least XXXX or XXXX instances in which I have tried to make a transfer from my business account to my personal account. Every single transaction gets flagged and delayed in the transfer of the funds. I have had to call and speak with an agent time and again to request that the transactions between my own accounts not get flagged. However, this continues to happen no matter how small or large the amount is.
Product: Credit reporting, credit repair services, or other personal consumer reports

- i had a XXXX XXXX XXXXXXXX credit card for 25 years. 
- in XXXX of 2019 i disputed a charge with a vendor - XXXX XXXX XXXXXXXX said they reversed the charge - i did not pay it - XXXX XXXX  XXXX charged me a late fee and interest for not paying the statement amount - XXXX XXXX XXXXXXXX reversed the late fee, but the incident is showing up on my credit reports as a late payment - i closed the account in XX/XX/2019 - 25 years i never paid late or underpaid the amount owed, and mostly kept a XXXX balance
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding inaccurate late payment reporting on my credit report. Despite providing evidence to support my claim that the late payments reported by this account are erroneous, the issue remains unresolved. Furthermore, I wish to emphasize that the account in question is covered by XXXX, which should have ensured timely payments and prevented any negative reporting. 

As previously stated, the late payments reported by the account are inaccuracies that have unjustly impacted my XXXX XXXX and financial standing. It is crucial to note that the XXXX policy associated with this account is designed to cover any outstanding balance in the event of certain circumstances, including job loss, XXXX, or death, thereby ensuring the timely payment of obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  just dont get it. IF A PERSON DIDNT APPLY FOR SOMETHING, remove it from their credit report. Is that so much to ask for?? If you cant do your job, then maybe its time to resign. Ive disputed many time and none is resolved. The recent one was because of fraud WHICH the bank directly mailed you guys to have it removed. Still didnt do it. Such lazy and embarrassing credit agency. Cant wait for all 3 useless credit reporting agencies to be gone if they dont want to help out the consumer.
Product: Vehicle loan or lease

Getting Santander off my XXXX credit scores. XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C 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. company name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2001 Blance claim {$660.00}. I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute XXXX hard inquiries on my credit report that I do not recognize. The details are as follows : XXXX XXXX  - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX  - XX/XX/2023 I did not authorize these inquiries, and I request that they be removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit card

On or about XXXX Consumer applied for an American Express Gold card. 

On XXXX I received a letter form American Express denying me for an American Express Gold Card. 

Im aware that a creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. 

Im also aware the application is a security that I tendered via an online Application as an asset to American Express National Bank ( AENB ). 

Account means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. 

In light of consumer protection laws and acts that protect the consumer, on XXXX a letter sent Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX, Attn : Legal Dept to American Express NB ; requesting reconsideration of denial for violations under color of law, the ECCOA, FCRA.
Product: Debt collection

Theyre are several dates, I also sent to CFPB and those accounts are still on my credit report. Im been taking to court for foreclosure, Im receiving mail about taking me to court from a 3party fake lawyer Midland Credit Management, They are also Charge-off thats still on my report thats should be. I Did Not give Verbal or Written Consent for and company or Corporation to use my information to use for theyre benefit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other companies or Corporations thats violating the rights of the constitution, Im a natural living Soul
Product: Vehicle loan or lease

I have been trying to work with my car loan company Global Lending Services for months. The company is reporting on my credit report that my car has been repossessed for almost a year, since summer XXXX Its now XX/XX/2021. Ive called and written the company. Ive sent my billing history from their website along with receipts. I have disputed the claims with credit bureaus with the same information including pictures of the car in my driveway. Finally I have hired XXXX to work to help with the problem. My next and last action is suing Global Lending Services, et all.
Product: Credit card or prepaid card

In XX/XX/XXXX I was sent an offer from Capital One to apply for a credit card. Upon submitting my application, I was approved for a Secured CC. I was advised at that time that I would be considered for a credit line increase, to be switched to an unsecured account within in 5 months, and that this was a procedure done to establish a relationship between Capital One and myself. I did receive the credit line increase, but the account status change didnt occur. Ive reached out Capital One multiple times over the span of our two-year relationship to inquire about my account being switched from secured to unsecured. On XX/XX/XXXX I reached out to Capital One to make a final inquiry about my account being upgraded. I spoke with Senior Account Supervisor XXXX @ approximately XXXX XXXX EST. XXXX continuously advised the me to apply for a new account stating, its much more difficult to have your account upgraded to unsecured than it is to apply for a new unsecured account. I specifically asked XXXX does Capital One periodically upgrade secured accounts from secured to unsecured? XXXX response was yes but not at this time. Ive had my account in GREAT standing ( never missed a payment ) throughout the entire time of my account history. The only recommendation the anyone at Capital One has made is for me to apply for another account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX trafficking XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, my car repossessed I was behind on my payments because of pandemic I wasnt able to work. XXXX XXXX took my car without any letter I wasnt informed theres no proof my car is going to be repossessed. After my car repossessed I payed in full then I get my car back, during they repossessed my car my credit reduced. XXXX points and I was continued to pay my payments but still on my credit report and I believe after I catch up omn payment shouldnt be on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax # XXXX on XX/XX/XXXX. I received an email XX/XX/XXXX stating that the dispute was resolved however to this day their website wont allow me to see the results and the mail they claim to have sent I never received. When I call I'm on hold for a few hours before they disconnect the call. I disputed a bill from a collector providing them receipt of payment from the original creditor XXXX  XXXX and they have done nothing. 

XXXX XXXX XXXX XXXX XXXX  Credit Reporting Agency Equifax Original Creditor XXXX  XXXX XXXX Fl
Product: Credit reporting or other personal consumer reports

Hello, Hope all is well to whomever reaches this email. This is my statement and appeal on not being satisfied with the outcome of my dispute. This Wells Fargo bank card was opened by an ex partner of mine, who lived with me, and who had my login information for my account. It was a domestic XXXX relationship, and after we had parted from one another, he opened up a Wells Fargo credit card account without my authorization with my information. He then transferred money from my checking account to pay for this credit card. 

When I spoke to Wells Fargo about this, they said that they could not remove it because it was opened online. Anyone can open up an account online if they know your information. I agreed to pay {$130.00} upon removing this from my file, just to settle this once and for all because they mentioned that they would delete this from my credit report in XXXX of XXXX, and I had made this payment in XXXX of XXXX. 

Because they did not Delete this from my report I had to file another police report as well as a new FTC report. I do not know what they are gaining from this when I have already filed everything that needed to be filed to get this removed. I want them to remove this as they promised, especially since i did not do this or have shown me any evidence that i physically opened this, only that my ex partner opened it up online. 

Thank you!
Product: Mortgage

Wells Fargo Home Mortgage, my property reclosure dismissed by, Judge, XXXX XXXX, Probate Justice System, on XX/XX/XXXX. 
XX/XX/XXXX, I was approved for HOME AFFORDABLE MODIFICATION AGREEMENT. 
From XX/XX/XXXX to XX/XX/XXXX, Wells Fargo NEVER notified me, by letter, or served me any documents that my property was in forclosure from XXXX to XXXX, XXXX XXXX Circuit Court Probate Records does not have foreclosure dockets, after dismissal XX/XX/XXXX, Another servicing error from Wells Fargo, I complaint, in writing, XX/XX/XXXX, I requested itemized bill for charges of {$110000.00} added to the principle I owed, itemized bill per charge was given in lump sum. 
Final reply on XX/XX/XXXX, I still disagree with their reply. XX/XX/XXXX, I received a letter from a gentleman, XXXX XXXX, enclosed with his letter, copies of letter from Wells Fargo, addressed to my property address, XXXX XXXX XXXX XXXX, XXXX Florida XXXX, mailed to him, this letter containing personal information sent to Mr. XXXX, address in Washington instead tu us. 

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

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XX/XX/XXXX - INQUIRIES/XXXX XXXX XX/XX/XXXX - INQUIRIES/XXXX XXXX  XX/XX/XXXX - INQUIRIES/XXXX
Product: Credit reporting or other personal consumer reports

I paid this account in full with the intentions of having the account deleted from my credit report. The representative assured me that if I pay the letter of deletion, yet when it was paid In full, she gave me a letter saying I paid It but never confirmed that it will be deleted. She misrepresented information and its creating a credit report damage. I paid the debt in full and I want it removed.
Product: Money transfer, virtual currency, or money service

Synchrony Bank has not transferred {$3400.00} to my checking account after repeated calls and their assurance that the money would be there " tomorrow '' and it has not yet been transferred. 

The attached document explains all that has transpired.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing inquires that are not mine and a collection filed ftc and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Product: Money transfer, virtual currency, or money service

the date was XX/XX/XXXX, at XXXXXXXX XXXX. The amount was {$190.00}, and from the date XX/XX/XXXX to XX/XX/XXXX, I have only received one refund of the two duplicates. 

In accordance with the natural processing of situations like this, I repeatedly filed dispute claims to no avail ( excluding the one time I was refunded, after being refused.. ). To this day, though there was one refund that was sent, the second duplicate has not yet received that level of attention. Attached below are some documents that I was sent to provide some insight on how this outcome was determined, however, these documents are only summaries of the transaction and not a detailed reasoning as to why I was refunded for one duplicate but not the other.. I have also included screenshots of emails sent to of when I did receive the initial refund that was aforementioned in the beginning of this paragraph, but even when referencing this duplicate I received no further communication or assistance with understanding as to why we have the different results for the same transaction that was not handled individually..
Product: Credit card

XXXX XXXX retry is unavoidable they claim. Will cause further fees in overdraft at bank. They took over XXXX hours to notify me of the autopayment failure, when I investigated the app told me everything was fine ( a lie ). Chat and phone support were unable to help me stop the retry of the payment or to reschedule it when I had such funds. Support was unable to advise which source of information was accurate ( app v. website v. email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is showing on my credit report which is a violation of my privacy and I would like it to be removed from the credit report.
Product: Debt collection

Dear TransUnion, I am writing to formally dispute an account on my credit report that I do not recognize. The details of the account in question are as follows : Account Number : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$510.00} High Credit : {$510.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Placed for collection Date Last Active : XX/XX/XXXX I do not recall opening this account, nor do I have any knowledge of its existence. Therefore, I am requesting an immediate investigation into this matter under the Fair Credit Reporting Act ( FCRA ). Please verify the accuracy of this account and provide me with any information or documentation you have on file pertaining to this account. 

Additionally, please remove this account from my credit report if it is found to be inaccurate or unverifiable. The FCRA requires that you conduct a reasonable investigation of my dispute and correct any inaccurate or incomplete information. 

If this debt is found to be incorrect or fraudulent, I would also request the application of protections afforded under the Fair Debt Collection Practices Act ( FDCPA ). 



Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to BANK OF AMERICA NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICA 's customer service representative.