23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX after reviewing my credit report in depth. I was impacted by the XXXX data breach ( Equifax ) and have had identity theft issues as a result. I do not recognize and did not authorize the following inquiries and am requesting their removal immediately. 

XXXX : XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX -XXXX : XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX : XX/XX/XXXX -XXXX  : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XXXX XXXX, 2015 a complete short sale packet was sent to the lender. We followed up daily to see if there is a status update on the foreclosure sale date postponement. EACH time, they were having difficulty authorizing agent XXXX XXXX XXXX and took several minutes to dig through and find the authorization sheet. Every update they gave XXXX XXXX was indicating that docs are in and under review. It took more than a week for them to simply let us know they needed bank statements dating back to XXXX and to advise they did n't receive forms ( RMA, HUD1, Articles of Incorp, and XXXX ) to which we definitely sent and have confirmation of submission. They are very unorganized and are showing lag in response time which is resulting to our foreclosure sale date approaching quickly ; as a request to postpone has yet to be placed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX {$60000.00} Auto loan Section 807 False misleading XXXX is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$720.00} XXXX is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$11000.00} remove all inquiries Listed below XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Failure to respond satisfactorily within 5 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau
Product: Checking or savings account

JP Morgan restricted my checking account ( my money, NOT theirs ) twice for no reason, however, they thought it was reasonable to restrict. It happened on Wednesday, XX/XX/2018 and again on Friday, XX/XX/2018, which were very close to XXXX shopping and XXXX gathers. It had been extremely XXXX XXXX, with my XXXX XXXX. I had been struggled to save this checking account due to direct deposit, debt relief payments, mortgage payment, XXXX, and others. It had been VERY hard to make the phone calls and change the payments due to my XXXX XXXX. Also, when my checking account was restricted on Wednesday early morning, XX/XX/2018, I called JP Morgan 's Customer Service, at XXXX, however, they won't help me as well as they strongly did NOT accept the interpreting service. With XXXX   XXXX, I tried and tried and tried to explain them about my XXXX  XXXX and to desperately need their help to save my checking account, however, they stubbornly didn't accept the interpreting service. It had been EXTREMELY frustrated.
Product: Credit reporting or other personal consumer reports

Ive checked my credit report, and realized someone applied for loans using my information that I DID NOT authorize. There are UNVERIFIABLE inquiries showing on my credit report that I would like removed immediately. XXXX XXXX, as well as XXXX are reporting these UNAUTHORIZED inquiries, the inquiries are as follows : XXXX XXXX : Discover Financial XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  XXXX : Discover Financial XXXX. 

I would like these inquiries removed from these credit entities immediately.
Product: Credit card or prepaid card

They claim that I owe Barklays Bank Delaware the sum of {$16000.00} as of XX/XX/2023. The bulk of these charges are as a result of identity theft and fraudulent use of my credit card number by a person identified by Barklays Bank fraud investigators as residing in the state of Ohio, a state in which I have never resided nor more than passed through on the interstate on my way to the XXXX XXXX. 

I have made numerous attempts to resolve this, with their collection department and fraud division and get no results. They have been sending my statements to an address in Ohio where I don't live nor does anyone I know live, and when I first learned of these cash withdrawals ( something I never do ) they cancelled my account, issued a new card, transferred all of the fraudulent transactions to the new card and allowed the fraudulent person to make more transactions on the card. 

I have no resolution to this problem, and now they have referred this entire amount to a collection agency for collection- they have ruined my spotless credit report by false reporting of my non-payment of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this info since XX/XX/2022 My XXXX inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My Equifax inquiries are XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX Made on : XX/XX/XXXX Made with : transunion
Product: Credit reporting or other personal consumer reports

I am extremely frustrated because I found unauthorized inquiries on my credit report this morning and have no idea why they are there. I checked my report like I always do, but this time there were discrepancies that appeared unexpectedly. I even refreshed the browser thinking it might be a glitch, but they still remained. I demand that the documents Ive submitted be thoroughly reviewed immediately so I can stop worrying about this issue.
Product: Credit card or prepaid card

I went to Sam 's Club in XXXX CA XXXX XXXX XXXX XXXX, on Thursday XX/XX/2020 to purchase an item. I already have a Sam 's Club Plus credit card. I was approached by a representative and was asked if I was interested in upgrading my credit card. I had informed her that I was not interested but we continued to speak. I informed her that I was not interested in opening a new account she replied that it was only an upgrade to a Mastercard. I was very specific with her and told her several times that I did not want a new account that I only wanted the upgrade. If it was a new account then I did not want it and I was not interested. She kept on informing me that it was just an upgrade. I asked her what would happen to the current balance that I have on my Plus credit card. She informed me that it would fall over to the new Mastercard. I just received a notification email from XXXX  that a new account was opened. I went in to check and it's the new Mastercard account. I do not believe the blame should be on the bank or on Mastercard. I am very upset because the representative mislead me and straight out lied to me several times. I now have a new account that I did not want.
Product: Credit card or prepaid card

I used my Victoria secret credit card to purchase 5 Victoria secret gift cards. 3 of those gift cards were put into my fiancs Victoria secret app. Which was hacked and our personal information was placed in that app and the money has been stolen from us along with our information. And Victoria secret confirmed during my phone call today XX/XX/2021 at XXXX than someone else not matching mine or my fiancs names nor our addresses did use our money and they verified that and then sent us in a circle of hours long phone saying they made a case and determined nothing needed to be done. That our information has been hacked from their Victoria secret app. And our money us been stolen from their app. And they want to bury the issue. I want our money back and our personal information protected we are going to file a police report against Victoria secret for this.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am reaching out to express deep concern about a significant error that XXXXXXXX XXXX has reported on my credit report. This error pertains to a 30-day late payment from XX/XX/XXXX, which is not due to any oversight on my part, but rather a XXXXXXXX XXXX Error . Reference number pertaining to the error was provided ( # XXXX ) to XXXXXXXX XXXX however I feel an investigation was not even done. The email was sent XX/XX/XXXX in the evening while XXXX XXXX was closed, and I received a denial XX/XX/XXXX XXXX. I do not feel this was sufficient time for XXXXXXXX XXXX to honestly review my issue pertaining to the XXXX XXXX  reference number provided. I feel that I received a generic denial response to my dispute. This error is causing substantial disruption as it is preventing the approval of my necessary SBA loan. I plan to use this loan to open a primary care provider office, and this unwarranted negative mark on my credit report is causing considerable delays in this process. Despite previous attempt to correct this issue with XXXX XXXX  the problem remains unresolved. Given the urgency of the situation and the potential impact on my business plans, I am compelled to ask for your assistance. According to the guidelines provided by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), I am officially disputing this inaccurate information. I kindly request its immediate correction or removal from my credit report. I am confident that you will handle this matter with the urgency it warrants and I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I noticed that there are unauthorized inquiries on my account from experian and XXXX I have reached out to the company and still no response. 
Experian is reporting the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX and XXXX mortgage. 
Thank you for assisting me during this time.
Product: Checking or savings account

For over 7 days I 've been trying to access my accounts via the Internet and XXXX XXXX. All I 'm getting is the server is unavailable. Last Friday, XXXX XXXX, 2017 I went to the branch near me and spoke to a Customer Service Rep. She informed that the outside server is down but I can check on my accounts at any branch. 

Not having access to my funds are unacceptable. 

Please help
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/XXXX, we received correspondence from the Consumer Financial Protection Bureau regarding a legal settlement between CFPB, the United States Department of Justice and XXXX XXXX XXXX ( now XXXX XXXX ). In the consent order, it states that there are allegations regarding possible " discrimination impacting approximately XXXX XXXX and XXXX borrowers who potentially were charged higher interest rates and fees than XXXX borrowers because of their race or national origin rather than the borrowers ' credit worthiness. '' As part of the XXXX XXXX dollar settlement, impacted borrowers will be receiving a one-time disbursement of approximately {$540.00} once a signed Borrower Verification and Release of Claim form is submitted. 

We are very appreciative that this is being investigated, but wanted to know why a review for a possible interest rate reduction for these impacted borrowers is not part of the settlement. Is that something that can be considered? With low appraisal values preventing impacted borrowers ( like us ) from refinancing with their current mortgage company/servicer for a lower interest rate, we are paying a significant amount in interest each year with no way to lower the interest rate until the housing market rebounds. We have personally tried for years, however, due to our current loan to value, we are stuck at an interest rate of 7.25 % unless we come up with $ XXXX out of pocket, which really defeats the purpose of refinancing. 

Currently, our servicer is the Virginia Housing Development Authority and they have no plans to assist any of its borrowers with interest rate reductions, unless they are distressed. Unfortunately, no other company will refinance our mortgage due to our loan to value. The current HARP programs do not apply to loans owned by VHDA. 

In light of the recent allegations documented in this consent order, we are hoping the aforementioned can also be looked into, in hopes of helping some of these potentially impacted borrowers ( like us ) with a little relief. A {$540.00} one-time disbursement ( though we are appreciative ) compared to over $ XXXX we pay in interest a year on our current mortgage at 7.25 % in no way compensates. Although we feel the disbursement should be much more, we are more concerned about at least reducing the interest we will pay in the future through an interest rate reduction. 

We do n't want to lose this disbursement and have until XX/XX/XXXX to sign the Release of Claim which would prevent us from pursuing any further legal action. VHDA is currently looking into options, now that we have provided them with the documentation regarding the settlement, but we are not sure they will assist. Lastly, we reached out to the Department of Justice who referred us to the CFPB for any further inquiries, which is why we are completing this complaint per their instruction. 

Thanks in advance for your review and consideration to help provide relief.
Product: Debt collection

The collector garnished my wages without notice. After multiple requests for an appeal by phone and email, I received my money back. I emailed the ombudsman and the management company requesting the rehabilitation verbally offered to me but never sent in writing. I requested only mail contact and stated my intention to repay. The company will not respond and I have almost been back to work for a year after unemployment ( the reason the garnishment was not legal and to which the company acknowledged fault by mailing me a check ). I have provided my address and since day 1 they refuse to put any option in writing or let me have a written copy of the rehabilitation to review. I want to pay this off but I fear after aggressively pursuing and winning over the illegal garnishment that they intentionally are refusing to respond so my year expires and they can pursue garnishment again. The other issue with telephone communication was mu request to speak to a supervisor and her denial their website nor the law protects individuals for 12months after returning to work after an involuntary end employment.
Product: Consumer Loan

XXXX XXXX, XXXX I financed a XXXX XXXX XXXX thru Santander Consumer USA ( thru XXXX XXXX in XXXX XXXX, XXXX ) Due to my poor credit rating and desire to have that car, I agreed to the 24.99 % interest rate, the 72 months to spread the payment of ( {$13000.00} interest and {$14000.00} principle ) {$27000.00} over. XXXX XXXX the company I was working for went out of business. During the next 3 years my finances were touch and go, I was late on many occasions and 4 separate times I had to place two missed payments " on the back side of the loan, '' extending my loans maturity date, as far as I knew and understood, 8 month later than expressed on my contract. Maturity would have been XXXX XXXX, but due to the 8 payments on the back of the loan, my agreement should have been finished XXXX XXXX. I have not had any late payments since the last of XXXX I believe, getting my financial world back on track. The XX/XX/XXXX, I realized that my loan, which should have been just about finished, was showing over half my principle amount still due with additional interest. I have called many times since last summer to try and understand their mistake, because surely this MUST be their mistake. I continued payment thru last month, meaning I paid now 5 extra payments beyond my XXXX agreed to. The several representatives I have talked to over the years explained to me that the interest and penalties I incurred due to late fees and the penalties for putting those XXXX missed payments on the back side of the loan reflected in the " Amount Due '' section of my monthly statement, which, as of my XXXX XXXX statement reflects {$810.00}. I had asked the first representative I talked to the first time they gave me the ability to put two missed payments on the back, if I would incur additional interest, because if I do, take the car back. Her words to me were " it is illegal for us to charge interest on interest and that I would be charged the late fee and penalty. '' Lets now fast forward to XXXX XXXX, I have made XXXX payments of a minimum of {$380.00}, many times over the last year or two I paid {$400.00} trying to tick down that " amount due. '' Just going with my regular car payment XXXX times I have paid this company {$29000.00}. However they are insisting I still have a balance on my principle of {$6800.00} that is almost half of the original amount I borrowed, XXXX years, XXXX months and XXXX payments later. Now according to Santander, I will be paying this off for another 6-7 years when you factor in the interest. The representatives at Santander state they are within their right per my contract to do this and I can not for the life of me understand how they can. I was told straight out, I would be paying for an additional 8 months beyond my maturity date and assessed late fee and penalties, not never ending interest. Please, please help me get my well deserved, over paid for car title and end this nightmare with me, please. I do n't even care anymore about the extra money I paid them, I just want this to end, not go on for 6-7 more years. It ; s XXXX, plain and simple when someone is in the hardest times of the lives. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$4400.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit card or prepaid card

On XX/XX/2021 I apply for a card with capital one..Unfortunate they denied me.I no that they discriminated against me..