23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX fraudulent charges were made by a company on an island in XXXX XXXX with my card information and Capital one is refusing to help me, abide by their policy or credit me for the unauthorized transaction. 

XX/XX/XXXX I visited the island for a scooter rental listed as {$25.00} per day each by the business. I agreed to a total charge of {$50.00} for XXXX scooters for the day. I signed for the scooters and proceeded with my rentals. 

I was not notified by Capital one of the transactions and was told by the merchant the {$50.00} transaction would take a moment due to bad signal. 

Later I noticed XXXX transactions that were unauthorized and fraudulent. 

One being : {$120.00} from XXXX XXXX XXXX and the second being {$170.00} from XXXX which cleared on the XXXX I called capital one that night at XXXX XXXX requesting the card be deactivated and a dispute opened. They said they cant help until the charges clear completely. 

I then proceeded to call again on XX/XX/XXXX at XXXX XXXX Capital one still didnt deactivate my card but they agreed to open a fraud investigation. 

I then was emailed a letter for fraud acknowledgment saying they would investigate. 

On XX/XX/XXXX Capital one claimed it was resolved. Stating their policy I will not be held liable for unauthorized transactions. 

We understand that experiencing fraud can be stressful and inconvenient. We're sorry you've had to go through this. As part of our {$0.00} liability promise on unauthorized purchases, you weren't held responsible for any unauthorized charges Then they sent another one Information we discovered leads us to believe you or another account user benefitted from the transactions. 
Since there's insufficient evidence of fraud, you're responsible for the charges listed below. 

Im not sure how me or another user on my account can benefit from unauthorized fraudulent purchases? I called capital one to dispute this after the fact, again, XX/XX/XXXX at XXXX XXXX and they also refused to help then. The first customer service rep stated that if someone uses your card information at a business after you leave to make transactions without your permission its not considered fraud or unauthorized Which literally goes against the policy listed above. I want the company held liable for lying to consumers, violating policy and refusing to help with fraudulent card purchases using their credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell behind on my loan and could no longer make payments. The company EnerBank USA then filed paperwork with XXXX & XXXX and a settlement was reached and paid off XXXX XXXX. The company has yet to change the account to paid off in settlement and Im also seeing the balance increase on credit reports through XXXX. The loan has been close, settlement reached and paid off to the agreements with the lawyer they chose. Also have a letter from their lawyer stating the terms have been followed and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern.

I fell behind on my credit card payments and a personal loan due to job loss. I havent been able to recover since. Its been a real struggle for me. Im Filing for XXXX. I want to get my credit fixed as much as possible. 
Sincerely yours XXXX.
Product: Student loan

the company servicing my loans is Navient. They have refused to remove missed payments from my credit report when my loan was in forbearance. They reported a missed payment on each of the 8 student loans have which dropped my score 100 pts. I am an XXXX for the past 4 years in XXXX Florida and I cant even get a car loan because of this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( XXXX, XXXX and Equifax ). There are Items that are more than 7-10 years old that the credit reporting agencies have not removed.
Product: Debt collection

I wrote a letter to XXXX XXXX asking the company to provide me proof of my written signature. They said the debt was sold to Midland Funding and they forwarded my request. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports
Product: Checking or savings account

Please see the attached letter to PNC dated XX/XX/XXXX regarding a sophisticated employment scam that emptied my checking and savings accounts in XXXX of XXXX. The total amount of money lost was {$14000.00}. 

I am also including the description of the event and the response from PNC. This scam has ruined my life. I almost lost my house, I missed credit card payments, and I had to enter a debt consolidation program. My credit score plummeted to XXXX.
Product: Money transfer, virtual currency, or money service

I am filing complaint against cash app Block , Inc. Due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act, ( CFPA ). Specifically, Cash App failed to take timely effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loses, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

Discover credit card XXXX XXXX personal loan Denial
Product: Credit card or prepaid card

1.WellsFargo credit card payment for account due XX/XX/2023. 
2.Made credit card payment of {$230.00} via telephone to WellsFargo on XX/XX/XXXX, approximately around XXXXXXXX XXXX XXXX and I noted the reference number for the payment # XXXX. 
3. WellsFargo representation was that an overage fee was included in the payment due on XX/XX/2023. 
4.This morning received an email from WellsFargo that my payment was due today, XX/XX/2023, 5.I called WellsFargo at XXXX this morning around XXXXXXXX XXXX XXXX and went from the automated system to a live representative with advisory from WellsFargo automated system at the call would be recorded. 
6.The young lady I spoke to looked into the system and noted she did see the payment made on XX/XX/XXXX with a reference number XXXX. 
7. I told WellsFargo representative that I had checked with my credit union account after receiving notice by email on XX/XX/XXXX from WellsFargo payment due that the funds had not yet been withdrawn and that was an unusual practice as other payments made to other credit companies hit the credit union immediately for withdrawal. 
8. The WellsFargo representative that was the problem, that I should talk to the credit union. 
9. The issue lies with WellsFargo. The are somehow withholding the processing to garner late fees on unsuspecting credit card holders which may result in double payments to them in addition to the late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 dispute letters for XXXX and Equifax were sent off in regards to inaccurate information being reported on my consumer report. It is to my understanding that there are certain laws in place that consumer reporting agencies must follow, or in turn they can be fined {$1000.00} per violation, or even criminally and civically charged if these Federal laws are violated, as they are not above the law. Attached in this complaint is a picture of the inaccurate information being reported by XXXX and Equifax. As we both know to report false information without full validation and verification after being provided proof of inaccuracy is violation of FCRA section 623 which is defamation and willful injury. Also neither Reporting Agency failed to report that this item was in dispute on my consumer report. This account needs to be deleted immediately, you've already had 30 days and have yet to complete or start any investigation of this account. You are now in violation of 1681i ( 5 ) ( A ) ( i ) which states " If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted ''
Product: Debt collection

I CHECKED MY CREDIT REPORT AND THIS COMPANY TODD, BREMER & LAWSON INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SOUTH CAROLINA XXXX. XXXX - XXXX. IS LISTED ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS company. THIS ACCOUNT IS INACCURATE AND HAS NOT BEEN VERIFIED. I DID NOT RECEIVE NO INFORMATION ON THIS DEBT. UNDER THE FCRA 15 U.S.C 1681i ALL UNVERIFIED ACCOUNTS MUST BE REMOVED. THE COLLECTION COMPANY PICKS ACCOUNT AND JUST PLACED ON MY CREDIT AND I HAVE NEVER WENT TO COLLEGE, NEVER WENT TO A UNIVERSITY XXXX. THE COMPANY ALSO HAS FEES LISTED FOR THEM. THIS NEEDS TO BE REMOVED
Product: Mortgage

My escrow is over $ 12000/year. My taxes and insurance are XXXX. 

They told me they only do one escrow analysis per year. It's wrong. 

I need an escrow analysis now.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an apartment with XXXX XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX based on a decision from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX gathered their alleged information from XXXX XXXX.credit Bureau that the information pulled from was TransUnion. On XX/XX/XXXX I  placed a suppression and freeze on all XXXX XXXX files. 
Due to suppression/freeze placed on files this erroneous information should never have been reported which in part led to my application being denied.
Product: Mortgage

XXXX XXXX was forced to make a payment. She was misled, bullied, intimidated and threatened to make a payment of XXXX in XXXX 2022. Carrington Mortgage told XXXX XXXX that she would be put out of her home if she did not make the payment. XXXX XXXX was terrified if she did not make the payment. Each time she spoke with Carrington Mortgage, she told them she was working with XXXX to get help with her mortgage. Carrington mortgage knew XXXX XXXX had to be behind to qualify for assistance through this program. That is why they bullied her into and forced her to make a decision that would greatly benefit Carrington Mortgage and have a financially adverse impact on XXXX XXXX. Carrington Mortgage is and was purposely withholding vitaI contact and communication from XXXX to clear your authorization. They will not acknowledge pertinent information that will benefit the borrower including information from you. Once again, XXXX XXXX was forced to complete the paperwork, she was told she would be put out of her home. Please help. XXXX XXXX would greatly benefit from the XXXX towards her mortgage and the low interest rate she had. Under the loan modification, XXXX XXXX payment has increased almost XXXX and her interest has nearly doubled, and additional XXXX years. XXXX XXXX has been in her home for almost XXXX years. She would have had XXXX more years to pay off her mortgage. She has been paying her mortgage for almost XXXX years. With the new refinance agreement Now she has to pay for an additional XXXX years with double the interest rate, which is a XXXX year total mortgage. They have tricked her into a XXXX year mortgage. This is blatant, textbook predatory lending practices. Carrington Mortgage conducted this process fraudulently. Carrington knew XXXX XXXX was harmed during the Covid 19 pandemic, they also know the new terms are financially detrimental to XXXX XXXX. It appears as if XXXX is working in concert with the mortgage lenders to take XXXX XXXX home. XXXX XXXX is no longer working.
Product: Credit reporting or other personal consumer reports

XXXX XXXX letter re : billing error sent re : consumer credit card per 15 USC Code 1666 ( a ) reporting discrepancy on my MORTGAGE balance and CFPB complaint was filed and no response. As of XX/XX/year>, a 1099A was accepted by the IRS for the amount of {$340000.00} for the loan balance. Copy B was received from XXXX XXXX XXXX parent company of New American Funding XXXX XXXX XXXX XXXX that they have accepted the approved Copy B from the IRS. Since a COPY B is considered an income, it should not be reported as delinquent as the amount will settle the mortgage as paid off with balance of XXXX.
Product: Debt collection

To Whom It May Concern : Please be advised I have requested validation ( not verification ) of an item reported to you. I have received either no response, or a response that does not indicate or prove the validity of the account, including proof : 1. I had the reported service 2. List of services charged for 3. The cost of each service reported Furthermore, neither You Or The Collection Company provided me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

This is my second and final notice of your violation before I will proceed with legal action as prescribed by law against your organization and the creditor listed above unless this item is deleted from my credit report within the required time allowed by law.

Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I plead for a quick response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a dispute to Trans Union in regards to a bankruptcy being inaccurately reported on my credit file by Trans Union. On XX/XX/2020, Transunion replied stating they verified the information as accurate even though i showed evidence that the information was inaccurate. According to section 609 in the FCRA, all information in a credit report must be completely accurate or it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX, Consumer Social Security Number:XXXX Consumer Date of Birth:XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account & personal loans. 
FOUR  personal Credit Cards. 
1. XXXX XXXX XXXX Bank Credit Card opened XX/XX/XXXX for {$18000.00}. acct # XXXX ). 
2. XXXX XXXX XXXX. Opened XX/XX/XXXX acct # XXXX for {$1200.00} 3. XXXX XXXX XXXX. Opened XX/XX/XXXX acct # XXXX for {$1600.00} 4. XXXX XXXX XXXX. Opened XX/XX/XXXX acct # XXXX for {$1100.00} Four personal loans. 
1. XXXX XXXX XXXX Bank XXXX XX/XX/XXXX account # XXXX ( XXXX ) for XXXX 2. XXXX XXXX loans for {$3800.00} opened XX/XX/XXXX ACCT # XXXX. 
3. XXXX XXXX XXXX XXXX  under the account number ( XXXX ) for {$24000.00} opened XX/XX/XXXX, 4. XXXX XXXX XXXX opened XXXXfor {$11000.00} original creditor XXXX XXXX # XXXX that appears related to the aforementioned personal loan accounts ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding the CFPB complaint be sent to me via email to ( XXXX ).
Product: Mortgage

On XX/XX/XXXX2017 Ocwen received my monthly payment for XXXX 2017 in the amount of {$2600.00}. ( my payment for XXXX 2017 is in the amount of {$1100.00} ) On Ocwens website on XXXX2017 I noticed that Ocwen never applied the EXTRA {$1500.00} I sent in towards the principal. Ocwen never applied any part of the {$1500.00} to my loan at all. ( I do n't know where that money went? ) The principal balance of my loan for the month of XXXX 2017 was {$140000.00} and on XX/XX/XXXX2017 Ocwens website says that the principal balance on my loan is {$130000.00}. That is only a difference of {$460.00}. The total amount that should of been applied to the principal of my loan should of been {$1500.00} PLUS my regular principal payment of {$460.00} add those XXXX numbers together and you get {$1900.00}. You take the {$1900.00} and subtract it from the principal balance owed in XXXX 2017, {$140000.00} and you get the amount of the principal balance owed going into XXXX 2017 which is {$130000.00}.
Product: Debt collection

I contacted the following company in XXXX through a certified letter explaining that I have never done any business with them but they would not cooperate with me, but instead they insisted that the debt was mines. I also contacred the credit bureaus for 6 months but they have refused to provide me proof of there investigation. Midland Funding in the amount of {$1300.00} is on my XXXX  credit report.
Product: Credit card

My wallet got stolen with all my identification, Cash app asked to give all of my info. & Someone was still able to take from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed hard inquiries on my credit reports that I did not make. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX and XX/XX/XXXX. These were all unauthorized. Theres also a credit like with capitol one appearing on my XXXX XXXX report I also did not make.
Product: Credit reporting

Please correct my Social Security Number which was recorded wrong ( XXXX ) in the Credit Bureaus.