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

I had a credit account with CareCredit since the XX/XX/XXXX. I have been making payments on time, and everything was normal. On the XX/XX/XXXX, I got a new card in the mail from CareCredit. The letter said " Activate Your New Card by XX/XX/XXXX! '' and " it replaces your current CareCredit credit card. '' I noticed that this card had an RFID chip that is becoming the industry standard to change over to. I put the letter in my to-do pile. On the XX/XX/XXXX I got to the task. I simply followed the instructions as I was told to do. I called the number, entered the pin, and destroyed my current card as this card would be replacing it. I have done this with my debit card, and two other credit cards when they sent me new RFID cards to replace my magnet strip only cards. On the XX/XX/XXXX, I received a credit alert that I had a Hard Inquiry, and my score dropped from Excellent to Good. I saw the inquiry was by Care Credit. My heart began to race and I quickly navigated to the CareCredit website and logged into my account. I saw that my original account had been closed, and that I had a new account with them. My heart now dropped. I was devastated. I thought what great mistake have I made, blaming myself. I thought myself to be a fool. I raced over to my file cabinet a retrieved the letter. That's when I noticed it was unlike other new account offer letters I had received in the past. The wordage voiced commands that prompted me to follow instruction. It was Extremely unclear that I would be closing my current account. It was Extremely unclear that this would be opening a new credit account and transferring my balance. I then realized that It was by the choice of wordage by the marketing team at CareCredit that I was led to believe this new card was simply a physical replacement for my existing card. I felt ashamed and embarrassed for falling for a trick. I had been bamboozled into closing a credit account with a {$4900.00} credit limit, only to simultaneously re-open a new credit account with a {$4900.00} credit limit with the very same company and have my balance transferred. One does not need a Bachelors Degree in Economics  to see that this is a bad deal if they are given the information as plainly as this. But the thing is, I do have a XXXX XXXX XXXX XXXX, which is why I felt even further disheartened for falling for such a deceitful trick. I also wondered, if this marketing sham had affected me with my educational background, how many others out there are being financially harmed in the same manner? I called CareCredit, and spoke to XXXX, Manager ID XXXX, he told me that " in the hundreds of times people have called him to complain about this, he has never been able to do anything for them. '' I frantically began to research on what I could do and discovered the existence of the Consumer Financial Protection Bureau. I felt as if I could breathe once more. I needed to take unscheduled paid time off work the following day as a XXXX XXXX would accurately describe my evening of discovering that I had been duped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I demanded XXXX XXXX provide proof of debt. On XX/XX/2018 they admitted they do not possess any evidence proving the information they are reporting. Additionally, they have admitted to reporting the alleged opening date as the date they acquired the rights to collect upon the account. This information is misleading and is resulting in an increased detriment to my ability to acquire necessary financing to participate in a lucrative investment opportunity.
Product: Mortgage

My mortgage company, LoanDepot sent me notice that my taxes were increasing {$110.00} per year but my monthly payment would increase {$70.00} per month. I 've made several attempts to correct the matter via email and phone. Today, I called and the was placed on-hold to speak to a supervisor but no one has picked up the phone for over 45 minutes. I feel like LoanDepot is intentionally giving me the run around to discourage me from having the matter corrected as a similar tactic was used used previously when they asked that I allow them to analyze the matter and then they would call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2017 some opened a credit card with XXXX without my knowledge. I disputed the account and XXXX refused to remove the card, even though I have a police report and supporting documents proving the account is not mine. The account was opened in Hawaii. Which I have never lived there. Also I have Submitted Disputes with XXXX XXXX XXXX and Bridgecrest and have received the same results, along with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/2022 to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the Persons/Financial institutions Furnishing the Data to these Consumer Reporting Agencies .
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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 researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX  ; XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay Bank processed a {$6500.00} personal loan for me. I destroyed the check as I changed my mind. This was in XX/XX/2019. 

I called their analyst department seven ( 7 ) times and was told they could fix it. Eventually they showed the loan as 'paid '. This was only last week. XX/XX/XXXX Meanwhile, they said I was overdue on a {$78.00} fee related to the loan. This dispute is now over 3 months old. 

Barclay has RUINED by FICO store. With every 'overdue ' Barclay reported to the credit agency I may be denied elderly/disabled housing I am applying for.

Barclay says they welcome letters to their complaint department and that it is their policy to respond ti complaints within Five Days ( 5 ) and in writing. I wrote them Six times  and have not received any response.
Product: Mortgage

Our mortgage loan was recently transferred to Mr. Cooper in XXXX. This mortgage has no escrows for either taxes or homeowners insurance. All the statements I have from Mr. Cooper also state there is no escrows associated with my account. I paid my quarterly homeowners insurance on XX/XX/2021 to my insurance company. On Saturday XX/XX/XXXX I received a refund check from my homeowners insurance company stating it was an overpayment. I called to find out what they were talking about and found out that Mr. Cooper ( Nationstar ) had paid the policy in full ( {$860.00} ). 
I then reached out to Mr. Cooper today to find out why and where the money came from since I do not escrow for any insurance. After 1 1/2 hours on the phone with five different people, I have no explanation of why it was paid. 
One person says they got a bill, ( my insurance company told me they did not send them a bill. they were sent an insurance binder for proof that we had homeowners insurance ). Another person claimed they paid it because they require it to be paid in full. I told them I pay quarterly not in full. I was told I can not pay it quarterly, it must be paid in full ). If this mortgage as no escrows how do they dictate how it is paid? they also announced that my payment is going up in XXXX by {$200.00} per month due to factoring in this " escrow ''. From the reviews on their page, it sounds like they do this to alot of people. 
I have had no communication from Mr. Cooper regarding this loan, other than the usual typical communication when it was transferred to them in XXXX. I was told then that the same terms and conditions of the loan were still in force and nothing changed other than who I paid my payment to.. They can not explain how an escrow account was attached to my account or why no one contacted me about this payment being made on my behalf. If I hadn't made the call, I also wouldn't know about the increase in XXXX, which I will not be paying. I want them to ask the insurance company for a refund so I can go back to paying the bill as I always have. I have spoken to the insurance company and they told that is what needs to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

More information regarding CFPB complaint ; XXXX Refer to the documents attached Ive submitted my FTC complaint XXXX complaint number ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$1900.00} XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} CHOICERECOV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$210.00} RECOVERY XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to bring to your attention the fraudulent personal information associated with my identity. Numerous accounts and transactions have been erroneously linked to me without my consent or knowledge, leading to significant distress and alarm. Regrettably, I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is imperative to address this issue swiftly, as it has adversely affected both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and initiating a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal recourse to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against you for the unauthorized transactions that was reported and instead of addressing the issue, my account XXXX XXXXXXXX was closed without any consideration for my losses. I consider your action cruel and wicked and would demand you refund all the transactions on your platform that were unauthorized. There are transactions to XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX and XXXX  XXXX Investment. These transactions happened over an extended period and were not authorized by me. My account was dormant and not in use, only to be hacked and used for these unauthorized transactions mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXXR XXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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: Mortgage

Our mortgage was through Wells Fargo ; we had it listed as short sale ; they continued to deny our offers from qualified buyers and told us that we had to pay XXXX for mortgage insurance that we never knew we had since we had more than 20 % down payment on the loan to begin with ; they proceeded with foreclosure and i went to court in XX/XX/2012 and the XXXX declared that the foreclosure had to cease due to Wells Fargo not submitting proper paperwork. I then received a letter stating that the foreclosure would take place on XXXX. I contacted the financial / attorney representing Wells FArgo to tell them that they made a mistake and that the XXXX had ruled the foreclosure as null and void. The XXXX  even specifically asked me if I understood his ruling and then explained that Wells Fargo had to start the whole process over again which I confirmed and also explained on my multiple messages to the XXXX XXXX XXXX On XX/XX/2012, we fed ex the final correspondence to the attorney in XXXX with the house keys again telling them that they were taking our house illegally.
Product: Debt collection

I have written many letters to get this negative item disputed that I have no memory or getting. They have also inaccuracies and do not have my correct information so that is how I know it is fraudulent. I also retired contacting this creditor and told me that they have my date of birth as something and that is not my birthday nor me.
Product: Checking or savings account

Have been the victim of identity theft since XXXX Never opened Perosnal Chehings and or Savings with Bank of America. 
I Never Opened any Business Account in my name with Bank Of America. 
As per XXXX XXXX I Owe a balance. This is the result of result of Fraud.
Product: Money transfer, virtual currency, or money service

{$970.00} dollars was stolen from me through a very sophisticated social engineering attack using XXXX. They targeted my Wells Fargo account. Wells Fargo lied to me saying they would file a police report and since the transaction was pending and my account number changed it would not go through. Then I get a letter in mail from them claiming they researched the fraud and claimed I authorized it and closed the case with no police report at all. I called them back and was told to basically get lost and file another claim which they will most likely deny again. I am now out of XXXX dollars and have to switch banks to someone more reputable.
Product: Debt collection

I recently discovered XXXX debt items on my credit report from Capital One, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to Capital Ones XXXX XXXX XXXX in XXXX XXXX XXXX, UT XXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from Capital One regarding my dispute. This failure to respond violates my federal rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a collection account with XXXX XXXX XXXX in the amount of {$220.00} on my credit report. This is not my account and I have disputed this several times with the credit bureau.
Product: Student loan

I have applied for Public Service Loan Forgiveness and submitted all required documentation. I have met all requirements to have my loans discharged under the PSLF waiver. My payment counts have not updated since XX/XX/2022 despite multiple attempts at contacting Mohela to have my payment counts updated.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of the disputes particularly in light of the recent CFPB lawsuit highlight significant issues with the platform my financial institution and Zelle failed to investigate my claims.
Product: Credit reporting or other personal consumer reports

After we provided XXXXXXXX XXXX our credit information the Bureaus sold our information to multiple people for mortgage products and insurance information. The companies have contacted my wife and myself approximately 7-8 times already in less than 24 hours to our cell phones which are supposed to be on a no contact list. The companies are not identifying themselves and not letting us know how they got our information. I don't know how safe my personal data is at this point at if the necessary protection is out there to keep it safe.