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

since XXXX  cosigns these companies then XXXX should step in a moderate the situation when their logo is on these cards and their websites states they will stand behind the merchant withe their 0 day liability policy then they need to put these cosigns into action i have truist and wisely issue... two issues and i have wrote to the companies already and truist nor wisely have not responded wisely dont even give u a email I was given the a wisely card on XXXX card # XXXX, when I tried to activate it, I was unable to because they said the card was already deactivated and this was my first check with this company which has caused me not to go back to work until this is corrected my insurance has cancelled, and the agents are not notifying me how to correctly file a dispute actually they are doing everything but tell me the correct steps to take to file a dispute. Because I am missing {$170.00} dollars and I need a XXXX XXXX XXXX was already 4 days late then and now I have waited an additional 5 days yet your policy states that I should not have to wait while this is being investigated nor should I have to wait when visa has it 0 days liability ... I filed a dispute with wisely and also put in for a XXXX  XXXX  but if was also told that I would receive notification pertaining to a dispute and XXXX  XXXX  within 1 to 2 days, this was done on XXXX  XXXXand a have bills that are due and I hope this can be corrected if not I am going to notify your bank 's regulators and every complaint I can about this issue... 





There are multiple errors on account from XXXX to XXXX. Never made a {$300.00} transaction, because I never received a card to make transactions from the XXXX accounts from which the account was a promo that I was to receive {$200.00} credit after direct deposit never received the {$200.00} for opening up the account after direct deposit. Merchants issues with refunds over {$500.00} in refund after account was closed on XXXX, was told account would be credited, never even received notification that the refund came to account kept being told merchant has the refunds, who was XXXX, they refused to check XXXX number, refunds should have been refunded to me instead they were distributed to collections for an account I never received any information that I owed for an account from 8 years ago, was even allowed to open several accounts with truist also truist is charging me for declined transactions with debit card {$36.00} a piece. Over {$300.00} in declined purchases never had overdraft. Many disputes were denied that should have been approved, also had XXXX  told Truist I didnt have them as an insurance company truist still allowed XXXX  to take my money in a recuring charge all year XXXX  and I paid 2 insurance companies because they refused to dispute it, just as they refused to dispute a lot of fraudulent transactions at atm and online. 
Truist owes me from XXXX to XXXX
Product: Mortgage

Claiming I am in default for {$2300.00}. Which I am not only have a few payment remaining about 9 payments till house is paid off.Threatening foreclosure on house with extra fees on market analysis or appraisal that will be ordered within next few days.
Product: Checking or savings account

I have been with Navy Federal for years. To me one of the best banks. However, most recently this year I claimed 2 fraud charges one charge international and another charge local. I filed the dispute, the rep advised they its computer generated and it does not give the reason why. Once it was denied. I did an appeal. 

According to the appeal which I submitted on XX/XX/2023 : Thank you for your response. Your appeal has been submitted for review, it will be worked in the order in which is was received. Currently, there is no specific time frame, however, your appeal will be worked as swiftly as possible. The final determination of the second review will be noted on your account. If you have any further questions please let us know. 

I spoke with Navy Federal on yesterday to a fraud XXXX. I advised her that I am on a strict budget and my account is being overdrawn every month due to the fraud done on my account may I get an update because its going on XXXX months. She came back and said the system does not give us a reason why however the appeal was denied. I have yet to get any documenation and its 1 day later. They state 1st appeal worked in the order they are received, now 5 mins later you all have a decision. This practice is unethical and I will be getting the attorney general invovled this matter. People work hard for their heart earned honest living money and the banks will try to legally rob us. 

I am disputing a total of {$890.00} and they have done nothing but failed me as a consumer and this hurts. We just our trust in bank and we look for answers and they tell us its no addtional information its just a system based response. I asked should I file a police report and the rep tells me its pointless. So what should consumers do if fraud is done on their accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or to verify that this is indeed my debt. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to this collection agency. 
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

trans union is reporting rtr financial services i have no bussiness relationship with them this is nit mine
Product: Mortgage

Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX  a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major surgery to remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX   XXXX. There are multiple e-mails attesting to this fact. XXXX   XXXX  opted on XX/XX/XXXX, XXXX XXXX   requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX   bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am writing to formally dispute an inaccurate charge-off entry on my credit report under my account number XXXX. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum accuracy of all information reported. The charge-off reported by XXXX XXXX is inaccurate. 

I request that an investigation needs to be completed and remove the charge-off from my credit report, if it can not be verified as accurate. Please provide me with the results within the time frame required by law. 

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is XXXX to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] reported on XX/XX/XXXX and then it says i opened this account XX/XX/XXXX XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and XXXX  days every month XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ Portfolio Recovery  ] [ XXXX ] reported activity XX/XX/XXXX and then it says collections every month XXXX : [ Portfolio Recovery ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is closed and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and XXXX  days every month
Product: Credit reporting or other personal consumer reports

I ve grabed my credit report back in XXXX of XXXX  lookin to get an education for me as I want to have superior education when I saw it my jaw dropped I had not one but four accounts open 2 with the same creditor and one of each I called these creditors and they stated they investigate the issue never did I wanted to them to acknowledge my documentation and no avail I dont know what to I need HELP!!!!
Product: Credit reporting or other personal consumer reports

I have a late report on my credit profile that shouldnt belong. I have recently went and spoken with the branch manager, and they have also agreed I have never been late on payments. They told me that they will fix the error due to them hiring new clerks, and it being her fault. I was told that I would not have to worry, but I still got a late report and now theyre telling me its nothing they can do and they are sorry. I would like this late removed off my profile immediately.
Product: Bank account or service

I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me. 
Please provide full details of this account including the information used to open it. My credit files report an address that is not known to me and there have been attempts to open accounts from this address therefore, I require full validation of the opening documents for this account to ascertain who is using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) has been making daily inquiries to my TransUnion credit report without a permissible purpose since around XX/XX/2023. I have contacted TransUnion and they said there is nothing they can do to block the inquiries, which I find to be completely absurd. They can absolutely block inquiries, but are choosing not to enable such a feature. XXXX is apparently a small company with no obvious phone number, mailing address or email contact information. I considered pinging the CEO on linked in but I doubt hed acknowledge my email. I dont know how to make this stop and am concerned about who signed up as me on XXXX and what theyll do with my credit information. I have already put a fraud alert on my credit report and also froze it on TransUnion.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please see the attachment document, highlighting Portfolio Recovery Associates failure to validate debt which reflects violations of the FDCPA, FCRA, and my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed late payments on an account that I was never late on.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late.If Proof can't be provided I demand these payments be updated to on time as they should be as I was Never Late.Thanks.
Product: Mortgage

in late XXXX I fell ill to XXXX. I had gone the whole pandemic without getting sick and unfortunately when I got it, it was really bad. I was out of work for weeks, and then my XXXX XXXX  got it back-to-back. I was out of work for almost a month with little pay and not being able to qualify for FMLA. We were having trouble catching up on bills, so I called Essex Mortgage and requested the loan be put in forbearance. I asked what happened once we got caught up on the payments. I was told I needed to request to end the forbearance, and it would be in forbearance until I called and officially requested it to be taken out. At that time then they would discuss payment plans if need on any remaining balance. I contacted another agency to apply for HAF funds and was granted those in early XXXX. The HAF funds we received covered our past due and some forward. We were able to resume payments for a short period of time, and then my husband got XXXX in XXXX of XXXX. He ended up suffering long term effects from his XXXX called XXXX XXXX. He was out of work for a few months while trying to regain some strength and get his body healthy. I had called to inquire about payment options as we were struggling with making ends meet. I was told the mortgage was still in forbearance and we would be okay and to make payments when we could and catch up at the end. We ended up making half payments until we were caught back up. In XX/XX/XXXX both my husband and I were involved in a horrific XXXX XXXX. This left both of us in the hospital for months. I called Essex once we were released from the hospital and explained the situation. I was informed that we were no longer in forbearance because Essex had changed its policy regarding forbearance. We were taken out of forbearance without my knowledge or consent. This has been detrimental to our credit and our ability to get back on track. Essex has harmed us by unlawfully taking us out of forbearance and delinquent on the mortgage. It has harmed my credit, as my car was totaled in the accident, and I can not longer obtain a car loan because the mortgage is reporting delinquent. Leaving my family in harm of further loosing employment without reliable transportation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent inquiries were not made by me : XXXX XXXX  XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX  XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023
Product: Credit reporting 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 that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Hello, I used capital one travel credit card to book a hotel room in XXXX on XX/XX/XXXX because I had a layover in the city and needed a place to sleep. I arrived in XXXX at XXXX XXXX. And then I took a taxi to the hotel, but the hotel was closed. According to Capital one, I should have read the details of the hotel as it says that the hotel closes at XXXX XXXX. But that was not communicated to me and it was buried somewhere in details. In addition, the hotel never sent me an email regarding the hotel hours that it closes at XXXX XXXX I have been trying to resolve this issue with capital one for over two days.I called them from XXXX and promised to get it resolved and get a refund. They never got back to me. Then when I came back home, I called them and then after 24 hours, they told me that they can not get me a refund for the hotel that I never used. I had to book another hotel to stay at that night. So I ask the government to help me get back my {$120.00} for the hotel I booked. I really never seen anywhere in the world where hotels close at XXXX XXXX. This is quite a scam. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving a hard credit inquiry from XXXX XXXX under XXXX credit card since XX/XX/XXXX. It happens consistently. I have not applied for a credit card with XXXX. I am very careful to make sure I do not click the " apply for credit '' button when I place orders with XXXX. The following dates have hit my credit report and keep knocking my XXXX XXXX down : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, my XXXX XXXX dropped from XXXX, which I struggled hard to get to after a bad car accident, down to XXXX. This has to stop! I have contacted XXXX on several occasions via chat because it was the only way to reach them, and again today by phone XX/XX/XXXX. The man on the phone told me " it is not in my knowledge database provided to me how to help so I am sorry that I can't help you. '' I guess there are no supervisors? I have also contacted XXXX XXXX on several occasions, most recently today XX/XX/XXXX and XXXX XXXX told me that they do not handle disputes because all they know is that something came through to them and they have no way of telling if it was fraudulent or not. All they could tell me is it was from an XXXX credit card. 

My credit was compromised in the XXXX  data breach in XXXX, but that still does not explain the XXXX date. It is possible that back in XXXX I did apply for the card accidentally, but I can not locate any record of that in my XXXX account. I also have definitely not applied in this or the last year at all. I want to know who is doing this and why they are able to do it. My credit report has a lock on it, so this really concerns me because it is still happening. I have not even placed an order on XXXX in months. 

In addition to this, I've filed disputes with all the credit report bureaus and nothing ever changes on my account.