23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently discovered that I am the victim of identity theft, and a fraudulent auto loan and some credit cards with a balance of {$34000.00} and {$1400.00}, {$250.00}, and {$420.00} were opened in my name with Capital One. I did not authorize or apply for these loans. 

Upon discovering this fraudulent account on my credit report, I took the following steps : Filed an FTC Identity Theft Report to document the identity theft. 
Filed a Police report with my local Police department. 
Contacted Capital One to report the fraud and dispute the account. 
Began the process of filing complaints with credit reporting agencies to have this account removed from my credit report. 
This fraudulent loan is causing harm to my credit profile and needs to be resolved immediately. I request that Capital One conduct a thorough investigation, confirm the fraudulent nature of the account, and take the necessary steps to remove it from my credit report.
Product: Debt collection

A woman by the name of XXXX called my husband. SHe told my husband I owed XXXX. He asked for what and they would not tell him. My husband gave me the phone number to call back. I called the number and a guy answered the phone not even mentioning the name of a company. He immediately transferred me the XXXX and I asked her what this was in reference to and how dare she call my husband and give information to him without my knowledge. She told me that I am a " friggin mess '' and that she was going to have my wages garnished. I have no idea what company this is and when I look up the phone number online there are similar complaints.
Product: Credit reporting or other personal consumer reports

This is a collection that is being reported illegally this is violating my privacy and HIPAA law. 
Please remove from the credit report or you're opening yourself up to litigation. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX Account number XXXX -- XXXX XXXX XXXXXXXX credit card . Never show account number.

I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. Removal or correction of the inaccurate information. An updated copy of my credit report reflecting these corrections. I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. Documentation supporting my claim of inaccuracy. Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. Sincerely
Product: Checking or savings account

I called my bank and reported a company that I had ordered from but yet never receiving my purchased items. I placed an order for toilet turtle and never received them so I placed a call to First National Bank of Pennsylvania and my transaction was verified at this time I was told that my card maybe blocked but because of the amount the customer service representative said he was sure because it was such a small amount well a week or so later my card was blocked a d the only way that I founded out was because I we t to the market ( XXXX ) XXXX XXXX XXXX location store number XXXX and when I went to check out it gave an error code card not authorized the cashier try again at my request because i was so confused the Transaction declined again, I then checked my available funds online and I had enough to cover the current purchase so I called the bank after one hour and fifteen minutes I found out that my card my blocked and no one even bother to order a replacement card at this point I kind of understood how XXXX XXXX feels ( funds in the bank but can't use them ) it became increasingly embarrassing standing there purchases being declined. Finally the second customer service representative agreed to override the block so that I could get some food and reblocked my card but told me after verifying my full name, address, phone number, last 4 of my social security number, that he said that he would order a replacement card so that I WOULD NOT deal with this again, as of today Saturday XXXX, 2024 I still DO NOT have a debit card and I ran into a situation that might effect my credit any payments coming in against my old card are all declined, I have a few emails because payment could NOT be obtained with a closed debit card on file. I thank you in advance for any help you can give me in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts I have made to rectify late open account associated with my financial profile. The persistence of these inaccuracies is causing significant inconvenience and distress. 

The late open account that has been inaccurately associated with my financial history are adversely affecting my creditworthiness and overall financial well-being. I first brought this matter to your institution 's attention, and since then, I have made several diligent attempts to have it resolved. Regrettably, my efforts have not led to any meaningful resolution. 

I initially submitted a request to correct this late open account, providing all the required documentation and evidence to demonstrate their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that these late open account is indeed erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

I can not overstate the serious consequences these late open account has on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be erroneous, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracy and its impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. 

Please maintain open and transparent communication with me throughout the resolution process and provide regular updates on the status of my dispute. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$5600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian provides no way to offer technical assistance to customers who have been locked out of their web services, effectively holding their credit reports hostage and rendering consumers unable to access credit if it is frozen. 

I have spent over 6 hours on a maze of circular phone support with no opportunity to discuss my issues with a real human being. The only other option they offer is to send a letter with all of my personal information to their headquarters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX
Product: Credit card or prepaid card

On my XX/XX/2018 bank statement i observed two unauthorized charges from XXXX Store ( {$920.00} and {$170.00} ) which as soon I noticed them I reported to the bank so they can investigate this matter.. The first time I contacted the bank they asked me a few questions and one of questions was if I had the card in my possession since I only use credit cards for emergencies I though the card was in my possession and my answer to their questions was YES, however ; after going through my Cards I realized that the card was not in my possession. 

A couple weeks later, I received a denial letter from the bank making me responsible for the charges although I explained to them that those charges were not made nor authorized by me. I contacted the bank and I explained to them that the card was not in my possession at the time the fraud took place however the bank insisted that I was responsible for those charges. 

As a consumer, it is my legal right to request evidence for the disputed purchases and a voucher with my signature is the only evidence that will make me liable for these charges if in fact I made these purchases. I have requested in many occasions to the bank to provide me with the vouches as I as I want to verify my signature but the bank has refused to provide me with such important piece of evidence. 

The bank is being bias and because I said by mistake that the card was in my possession when I filed my claim the fist time they are using that against me but they dont really have any evidence at all to prove that those charges were made by me. 

Technically speaking I should not pay for these charges however, currently I am paying for these fraudulent charges just to keep my credit in good standing. 

I need for the cfpb investigate this matter and to resolve it in a fair manner otherwise I will exercise my legal right. 

.
Product: Credit reporting or other personal consumer reports

Bank XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Dear Sir, This is in reference to monthly Mortgage Payment to PHH Mortgage. I am a very good in making mortgage payments on time with zero delay in payment history except during XXXX XXXX when I lost my job. On XX/XX/XXXX, I tried to make mortgage payment by phone or on their website but that was not accepted so I mailed a payment by check on XX/XX/2022 to their XXXX XXXX XXXX. I spoke with them on XX/XX/XXXX to inquire receipt of check but the representative said that it did not showed up yet in their facility and she gladly accept payment on phone and promised to use check against XXXX Installment. The check was cashed on XX/XX/XXXX but they did not credit it to my account. I called them and they said they never receive this check, then I discuss this matter with their supervisor ( XXXX ID # XXXX ) and send is all the proofs. He suggested to take this matter with XXXX bank ( Issuer ). I went to the XXXX bank and they gave me a form to file fraud claim which need to be signed by me and PHH mortgage Services so I can get my money back but its almost XXXX weeks, I am not getting any response from PHH Mortgage. Every day I sent them Emails and tried to contact them on phone requesting to help me but no response. Please help.
Product: Vehicle loan or lease

I received a statement from Skopos Financial dated XX/XX/XXXX for amount due {$2100.00}. Paid {$540.00} on XX/XX/XXXX online ; {$560.00} paid {$160.00} and {$400.00} on XX/XX/XXXX both via money orders ; {$1000.00} paid {$510.00} on XX/XX/XXXX via money order; paid {$510.00} on XX/XX/XXXX via money order. All money orders were sent with statements via certified mail with return receipt. I went online to Skopos Financial expecting to see XXXX balance, instead I saw balance due {$1700.00} due XX/XX/XXXX. Last payment received {$510.00} on XX/XX/XXXX. When I checked my mail, I received a statement dated XX/XX/XXXX amount due {$2100.00} payment received {$400.00} on XX/XX/XXXX. From XX/XX/XXXX, the only amount I have owed Skopos Financial is {$2100.00} according to their website. I printed the statement from website. I have paid this amount. 
I have also paid car notes {$540.00} on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Total amount {$1600.00} + {$2100.00} = {$3700.00}. I would like to know what happened to the money that I have paid Skopos Financial {$3700.00} for this year XXXX? Any assistance that you can offer will be greatly appreciated!
Product: Credit card or prepaid card

There was 117 charges made on my Serve American Express temporary card from XXXX XXXX that I filed in investigation into of unauthorized transactions. They denied my claim after 10 days. These charges were taken out all on one day, and were unauthorized.
Product: Checking or savings account

I went to the Chase.com website to open a military bank account and I did this on a PC then on an XXXX and at the end of the application they told me it went through and then kicked it back and said oops something went wrong. So they processed it 3 times and then kicked it out of the online system and said that I had to try again. 
Attached to my email is the video
Product: Credit card or prepaid card

I had a secured credit card with citi bank and I had trouble paying the bill so Citibank closed my credit card and did not refund the {$500.00} that secured the credit card. I'd like for the money to be returned to me as soon as possible
Product: Mortgage

My mortgage company " found '' {$4200.00} dollars when auditing my account. When I read the letter I called them to have the money cover my XX/XX/XXXX and XX/XX/XXXX payments and the balance would partially cover XX/XX/XXXX to which they put me on hold then came back and said that it 's done. I then received a call 3 weeks later from Nationstar Mortgage out of XXXX asking me if I intended on making my XX/XX/XXXX payment. I went crazy on the agent and demanded to speak to a supervisor. After waiting for a while the agent came on the phone and I said for the supervisor to call me. That was a week ago ... This is the second time I 've made a deal with the company and when I hang up the phone the deal disappears. I 've paid off other debts and ca n't pay the mortgage payments now that I 've made other arrangements so now I 'm worried about them foreclosing on me or putting non payments on my credit report thru no fault of my own. I ca n't believe that they can do this to consumers and would like help in straightening them out! 
Best, XXXX XXXXlNationstar mortgage account number # XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

IVE BEEN A VICTIM OF IDENTITY THEFT SOMEONE WHO STOLEN MY IDENTITY APPLIED FOR CREDIT CARDS THAT IVE NEVER AUTHORIZED IVE REPORTED THIS TO THE FEDERAL TRADE COMISSION AND I DID A POLICE REPORT AND THE FRAUDULENT INQUIRY ARE LISTED BELOW XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022
Product: Student loan

I am receiving calls from three different places concerning this loan, AES, the XXXX XXXX and XXXX. I am being told that XXXX has taken over the loan but I will still have to interact with AES. AES is extremely rude and unprofessional. I currently have XXXX income and they do an assessment and even though I have XXXX income and a dependent I am being told the best they could do is have me apply to pay half of what my payment is currently ( which I have been paying for the last three years ). I asked to have an application mailed to me, which I never received. Then I was told that I have to do it online. All the while I have not been offered a forbearance in the time it would take to sort this out. This seems extremely unethical. Also, I was told that XXXX took over the loan but I can not contact them about this loan, then I was told I do n't have to make payments until I receive the new terms with the new loan servicer.
Product: Mortgage

Gregory Funding purchased Mortgage from XXXX XXXX XXXX XXXX. Gregory increased our escrow by over $ XXXXyear stating XXXX XXXX did not pay our property taxes and that we were in arrears. I requested and RFI from XXXX XXXX and the document confirms taxes were paid in XX/XX/XXXX ( due XX/XX/XXXX ) {$4100.00} and XX/XX/XXXX there was an escrow disbursement of {$4700.00}. During the RFI process we were also charged {$2500.00} in legal fees for which XXXX XXXX will not provide details of. They responded that we would have to inquire with Gregory Funding what the legal fees XXXX XXXX charged, as they are no longer the servicer of our loan.
Product: Vehicle loan or lease

On XXXX, I spoke with a representative about getting a loan with XXXX. The representative asked if he could run my credit. I advised him to only run my credit with XXXX XXXX not with the other finance companies who provided their offers. He said he will notate the information and only run my credit with XXXX. On XXXX, I received an email from another company, XXXX, sending me a notice of adverse action. This email statement shows my credit score of XXXX, which was ran through XXXX. I want to make a formal complaint because I did not give Lending Tree permission to run my credit score through XXXX.
Product: Student loan

I have questions about the accounting transparency of both my previous and current loan servicers ( XXXX and XXXX, respectively ), regarding the way my payments are being applied to the balance and interest of my loans. 

In XX/XX/XXXX, I was informed that the servicing of my Federal loans was to be transferred from XXXX to MOHELA. I had been having some serious concerns about the way my payments were being applied by XXXX, and was unable to get satisfactory explanation either from their website, or via phone. When I found out that they were going to be transferring the servicing, I immediately emailed them ( via their website, as you ca n't send them a standard email ) requesting written statements, showing my payment history and how those payments had been applied, for the period that they had serviced my loan. 

Their reply : " Due to the transfer, the information you requested is no longer available ... Please contact MOHELA. '' So they suddenly are no longer required to give me records of what they 'd been doing with my payments ( over {$500.00} a month! )? 

I then contacted MOHELA, and requested that they mail me my records. Their reply, as of XXXX XXXX, XXXX : " We have submitted a request to XXXX to have my prior payment history generated. Please allow 7-10 days for this request to be processed and sent to you. '' I have now emailed and called MOHELA multiple times, and have yet to receive my records, as of XXXX XXXX, XXXX. 

Of note : the last time I spoke to a MOHELA representative, she told me that the company had taken over the servicing of something like XXXX loans from XXXX, and about XXXX of the borrowers had also requested their written payment histories. 

I am making full graduated payments on my loans, and when I checked the balance yesterday, it had somehow risen over {$7000.00} since I last viewed it a couple months back. As I said, I am sending them well over $ 500 monthly, and I would like an explanation of where my money is going.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM XXXX AND EXPERIAN. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED XXXX XXXX ON MY CREDIT THAT EXPERIAN AND XXXX  SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.