23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This is in regards with my previous dispute with Key Bank. My ATM/debit card associated with my checking account has unauthorized activity on it. About {$5000.00} in unauthorized activity from a XXXX. Now, I 've notified you several times about this and you refuse to do anything about it. I 've notified you well within the required timeframe. According to the Consumer Financial Protection Bureau, the law states ... 

If an unauthorized transaction appears on your statement, but you did not lose your card, security code, or PIN or have any of them stolen, you should still notify your bank or credit union right away. Under federal law, you will not be liable for the transaction if you report it within 60 days after your account statement showing the transaction is sent to you. But if the charge goes unreported for more than 60 days, your money could be lost. 

... so, as you can see under federal law, I am not liable for the unauthorized transactions. I notified you well within the 60 day time frame. Credit my account or I will take legal action.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX  # XXXX XX/XX/year> -- {$5100.00}
Product: Credit card or prepaid card

3rd time this company has charged me a fee after I had already paid the card off in full before the next billing cycle. Granted it wasn't before the first billing cycle after I bought the item, but I pay off the card in full. I owe 0 before the next billing cycle and they charge me a fee. They have done this to me 3 times now. I paid the {$2.00} once. The other 2 times I had to fight it and they were " Oh so generous and waved the fee ''. This is the only company that does this, repeatedly. It's a Macy 's credit card. First was store only, this time it's a Macy 's Amex card. I had paid it off on XX/XX/XXXX in full and today I got a bill for {$2.00} and spoke to me telling me because I hadn't paid it off in full. This is frivolous charges, and the only company out of several that has ever done this. Other companies don't charge anything as long as you pay the bill in full before the next billing cycle. Then they lie and say " well it's because we don't charge interest in advance ''. No one does, you only start charging after the first billing cycle and once it's paid in full... quit charging. Not them.
Product: Credit card or prepaid card

This final t refuses to call me their executive office always calls me instead they email me Im not happy with their response they have not taken care of my concerns I recently applied for a credit line increase on my Exxon Mobils account and was declined for ridiculous reason which has nothing to do with my credit even though it was pulled without my consent the reason on the letter insufficient time since last review which doesnt make any sense since I never requested a line increase in last 6 months I never got this I dont understand them I called customer service they refuse to help me and their executive office too
Product: Mortgage

Last month I received an email to provide the updated condo flood insurance certificate information to this mortgage loan servicer, Nationstar aka Mr Cooper, and I IMMEDIATELY did so. The identical pdf is also attached. Flood policy period is written as CLEAR AS DAY on page XXXX : XX/XX/XXXX to XX/XX/XXXX. The condo has XXXX units and the policy amount is {>= $1,000,000}, which equals the maximum allowable {$250000.00} per unit. The mortgage loan servicer is shown on page XXXX as the XXXX XXXX and the loan number is included. This is the same renewal from the same insurance broker as every other previous year with the newest dates. The mortgage loan servicer farms out the insurance to a third party, who was so incompetent that they claimed that this flood policy that is valid until XX/XX/XXXX did not have correctly valid dates. I resubmitted the form to the servicer 's third party insurance people and also circled and highlighted the dates over a week ago and also emailed that directly to the mortgage loan servicer. To date I have NOT received acknowledgment that this information has been recorded and updated. Today I received from the loan servicer a generic letter failing to acknowledge or update the new condo flood policy, stating that they will get back to me. If a company is too incompetent to update a valid and effective until next XX/XX/XXXX condo flood insurance policy, they should not have a license to service mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting someone else 's birthdate on my consumer credit file. I did NOT give Equifax direct or written consent to furnish or report ANY birthdate on my consumer credit file. Equifax is also reporting a variation of my name that is inaccurate and does not belong to me. These inaccuracies regarding my private and personal identification information are tarnishing my reputation and a clear violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud reporting in Experian Inquiries XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX I have called and talked to multiple customer service agents from Experian, XXXX and XXXX to block the fraud inquiries and account. They refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XXXX XXXX, 2015 CKS financial of Virginia contacted my employer. we are not allowed to get phone calls at work. I just talked with them yesterday and told them i would contacat them in 24-48 hours. This needs to be addressed. Thy called XXXX different departments within my work plus contacted me on my cell phone today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion Credit agency to get my credit score. I tried online at the website and tried calling. I spoke with representative and said I would Ike to know what my credit score is. I was told I would have to pay for a membership. I explained to representative that I can go online to XXXX  and XXXX  and look at my credit score instantly. Why does Transunion charge a person a fee to get information on their owe credit? So I would like this to be investigated. Transunion should not be making money off of one 's own information.
Product: Debt collection

Request for debt validation was sent but no debt validation was ever received. No supporting documents were also received for claim of alleged debt so if the claims are indeed valid, then there should be no issue providing such documents. I already submitted plenty of documentation on why i don't owe the debt including XXXX XXXXXXXX XXXX XXXX - landlord failure to repair. I previously submitted documentation confirming there was mold via certified lab reports confirming the mold was there and never remediate, prompting necessity to vacate the premises under health hazard that is harmful to health i.e. mold.
Product: Debt collection

I am not liable for this debt with XXXX XXXX. I do not have a contract with Jefferson Capital Systems , LLC. They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are hard inquiries made without my consent nor have a I applied for credit with these companies : XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus put a statement on my report but DID NOT remove the inquiries that were a result of fraud. Delete these immediately. 

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

After months of follow up, phone calls to XXXX XXXX they have failed to remove the three 30 days late reported on my credit report. This is no longer a dispute as XXXX XXXX acknowledged that their system caused a failure in my ability to pay the account. They promised to correct this, but several months have gone by and this still shows up on my credit report. This has impacted my ability to obtain a mortgage, now rates have jumped up 2 % higher causing me thousands of dollars in damages. My next step after this complaint is to file a lawsuit for damages.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Student loan

Ive always had a great experience with your company, and Ive committed to paying back my loan on time for 10 years now, Unfortunately, I experienced a decrease in my salary, during that time that stretched my budget to the point of breaking. As you can see in my record, Ive paid on time for 10 years now Im trying to obtain a mortgage and am worried about qualifying or getting stuck with high rates, which could cost me thousands of dollars over the years. I truly believe I should receive forgiveness the amount is {$7500.00} I humbly request that you forgive my balance so that I can purchase a home for my family and I. This amount Im unable to pay and although its pause for now Im worried about future dates for student loan repayment. Thank you for your consideration, and I hope you approve my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off two ( 2 ) credit cards two months ago. XXXX has the correct information but Equifax still has old information even though I sent them the updated confirmation. This inaccurate information is hurting my credit.
Product: Debt collection

During the loan origination process I requested the due date to be XXXX of each month. The loan documents were drawn and the date was set for the XXXX, however I was assured the due date would be changed. The date was not changed and starting on the XXXX of every month I receive numerous calls about being past due. I have requested the date be changed as promised but have been told the account is past due therefore it can't be completed. This is just a method to be able to access a late fee in the amount of XXXX. I want the due date change as promised and all late fees waived.
Product: Credit card or prepaid card

I received a permanent credit and a refund check in XX/XX/2019 from Home Depot/Citi ( see attached files ) and the credit was reversed approximately 7 weeks later. Citi is not complying with the Fair Billing Credit Act regarding disputes and timelines. In addition, they are not following their internal processes/procedures as stated on their webpage for disputes and conditional credits ( see attached documentation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been keeping a close eye on my credit report because I have been a victim of fraud. Transunion is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address XXXX XXXX XXXX XXXX XXXX, MS XXXX, and employer XXXX. There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent TU letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX Credit Card ACCT # XXXX SSN XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clarify states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

Our mortgage was sold to Freedom Mortgage and shortly after that we sold our home. The process of getting documents and receiving refunds has been horrible. I was charged a fee to obtain my payoff amount, which is probably standard but when we closed before our estimated date, the loan was overpaid by the few days of interest. Because we " OVER '' paid our mortgage they charged us a {$16.00} fee! Why would there be a fee for over payment? To make matters worse, it was a cash sale which funded immediately. From that funding and over payment, the principal balance was paid, interest was paid, and then the extra payment was thrown into escrow. After we received the notice that the transaction was fully funded from the closing company, I contacted Freedom Mortgage to ask about the release of our escrow account and was told it would be almost a month before they would release it. The reason, to ensure funding went through and all fees and interest were collected. I was online looking at my account at the same time as I was talking to the representative and it showed " Paid in Full. '' I mentioned this to the rep and was told there would still be fees to adjust. My complaint is how do you charge a fee for over payment and then not release my money that I have paid in even after the loan was paid in full?! It is a scam to earn interest for as long as they can and get " fees '' any way possible. I would NEVER recommend Freedom Mortgage to anyone and have been very verbal about my situation.
Product: Credit reporting or other personal consumer reports

Ive been in a hardship situation since an uninsured driver hit me head on. I was the holder of a XXXX XXXX and missed a number of payments. My balance was over {$1400.00}. XXXX sent me a letter indicating they were agreeable to a settlement on the account. I contacted the creditor and they offered a settlement of {$500.00} split into 3 monthly payments. I paid {$160.00} on XX/XX/XXXX, they withdrew automatically {$160.00} on XX/XX/XXXX and took {$160.00} on XX/XX/XXXX for a total of {$500.00}. I met the terms of the settlement and they sent letters confirming my payments. However, they then claimed I still owed almost {$940.00}. My credit reports which I have disputed despite my documentation show no payments for XXXX & XX/XX/XXXX and the credit bureaus say the creditor has confirmed this. There is NO mention of a settlement, my reports say the Creditor did a write off of over {$930.00} and a ManageXXXX at XXXX even told me on the phone to dispute it because he said the payments had been made. That manager, XXXX, even gave me the address in XXXX XXXX  where I should mail my dispute. Ive followed up with them as Ive been disputing with the Credit bureaus and they never replied. This is a violation ( incorrect reporting on my credit reports ) of the FCRA and I have nowhere else to turn. I hope theres a place for me to attach support documentation. I need your help. Thank you. XXXX XXXX
Product: Checking or savings account

Capital One has not provided requested info which includes their PHYSICAL mailing address for notice of small claim suit as well as name and number of their legal council. I've requested this information numerous times via complaints to CFPB, a XXXX XXXX replies with a web site address, does not provide PHYSICAL address or name and number of their legal council. The small claim suit is regarding a stop payment on a close out check in error on end of Capital One, reissued and intercepted by a third party, cashed fraudulently in my name. Capital One has my signature on file and is well aware the signature on check is not mine, insists the person whom cashed check lives at my address and is related, does not have proof funds were received by myself, which they were not. The total amount involved is XXXX, XXXX XXXX refuses to do anything further, thus need for small claim suit. In her last reply to CFPB, she stated she will not keep replying but refuses to provide a physical mailing address ... She provides her number in correspondences but does not return calls, a total of seven ( 7 )  messages left, none returned..The CFPB might be able to step in this matter to assist in resolution ...
Product: Debt collection

Please have them remove XXXX XXXX XXXX from my credit file. Im a senior citizen and it bothers me to see that this has happened. Its not fair to the consumer when this happens. I reach out to you because resources are limited. It keeps appearing under many different names and I have to keep writing to you.
Product: Credit card or prepaid card

Received a debit XXXX  card in the mail from Chime. Did not request a card and tried to call with number on the card and paperwork with card. Only got automated system no way to reach a real person.Called XXXX bank  as they were the issuing bank and they transferred me to Chime. The customer service person spoke English poorly and I was asked for personal info that I refused to give. Explained the situation and they said they would email me with an update when account was dealt with after escalating the issue. Didnt receive an email so I called back later yesterday and was told the account had been closed. Still havent received any email from them. They insist that someone asked for the card and that it is just a debit card not a credit card. They wouldnt give me any idea on how they got my information. Found via internet search that I was not the only person with this exact problem. I believe they are sending these cards out fishing for personal info. They asked for last 4 digits of SS # and a copy of photo ID. Said they couldnt close the account without this info. I pushed back and told them it was illegal to send cards without me requesting one and they didnt require this info after I refused. Not sure if account was actually closed.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX