23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased our home inXXXX. My address is XXXX XXXX XXXX XXXX, NJ. We locked in our rate at under 3.25 % But my rate was changed by my bank ( a flat rate ) to 7.50 %. I paid this rate for more than two decades. InXX/XX/XXXX I complained and the bank said that they would now change the rate to 4.25 %. They never gave me any credit of monies for there admitted mistakes. And they would provide me with a modification which they said was permanent. I recently received information about my home being up for Sheriffs sale. In XX/XX/XXXX I owed {$24000.00}. And even though I have been in bankruptcy and paying the mortgage company directly I never saw a decrease in what was owed. Wells Fargo now has doubled the amount owed ( {$45000.00} ) and changed the rate to 4.75 % .They never told me that the XX/XX/XXXXmodification was temporary. And most recently I was rejected for a modification. And my home is listed every single month for Sheriffs sale. Wells Fargo has deceived me throughout this whole process. They have always cheated, and been dishonest about this whole process. I have never had any equity in my home. Not from the beginning until now. As a matter of fact Wells had my home equity as - {$25000.00}. I have small children and I have been diagnosed with XXXX XXXX   XXXX. My health is failing. I just want to be in peace XXXX XXXX XXXX XXXX. I as the your organization look throughly at all of the accounting from day one until now. The only thing that I want to happen with this matter is my Deed paid in full from Wells Fargo. I dont want any more temporary empty promises to pacify me in any way. That way I can live in peace XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

A certified letter dated XX/XX/XXXX was mailed certified on XX/XX/XXXX. I did not receive a response validating the amounts they omitted from " statement of activity ''. According to their records, they did not respond to my claims nor confirm why amounts that I show from XX/XX/XXXX differ to what they provided on the " statement of activity ''. I've attached the my initial letter, and certified receipt showing it was delivered and received on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently Reviewed my credit history Through XXXXXXXX XXXX and received a 30 day review about a new account please make immediate changes to fraud new charges on my credit report.
Product: Credit reporting or other personal consumer reports

I am contacting you to address several issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and reporting inaccuracies. I require your assistance to resolve these matters and safeguard my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to Experian on multiple occasions requesting original signed documentation to verify the following : XXXX - Not my account XXXX XXXX- Not my account XXXX XXXX - Not my account XXXX XXXX- Not my account XXXX Bank- Not my account XXXX XXXX- Not my account XXXX  XXXX XXXX - Did not authorize this inquiry XXXX XXXX - Did not authorize this inquiry XXXX XXXX XXXX XXXX - Did not authorize this inquiry XXXX XXXX XXXX XXXX - Did not authorize this inquiry XXXX XXXX - Did not authorize this inquiry I asked them to send me original documentation supported with my signature and other forms of proof tied to me. I have received nothing, nada, zip. It has been over 2 months and still no response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax due to the inaccurate reporting of multiple debt accounts on my credit report, which includes accounts that are not mine, are listed with incorrect balances, and are being reported as past due despite having been paid in full, causing significant damage to my credit score and preventing me from obtaining necessary loans and lines of credit ; despite repeated attempts to dispute these errors through Equifax 's dispute process, the inaccurate information remains on my credit report, violating the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received an offer from chase bank to open a chase private client account and if funded with XXXX dollars I would receive {$2000.00} after 3 months. I opened and funded the account on XX/XX/2023. After almost 5 months I had not received the {$2000.00}. When I went to the chase branch where I opened the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ) and spoke to XXXX XXXX ( XXXX XXXX ) who opened the account he told me he had made a mistake and would try to get me the money. After that despite leaving him dozens of voicemails he would not return my call, so I went to the branch and spoke to the XXXX ( XXXX XXXX XXXX XXXX ) who said he would look into it and call me back that day. After not hearing from him despite leaving numerous voicemails I called chase private client customer service and filed a complaint. Not hearing back from them for XXXX weeks I called again and they said they had a record of my contacting them but not a complaint??? I said I want to file a complaint and eventually they gave me a ref. # ( XXXX ). That was XXXX weeks ago and I haven't heard from them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX -- -- I am not aware of this debt I would like this debt validated or removed from my credit report.
Product: Credit card or prepaid card

I have a Citibank Doublecash credit card, which I misplaced. 

I phoned Citibank XXXX and the automated message asked me for my credit card number, which of course I don't have because I lost it. 

So the message said that I could access the system another way, by putting in my social security number, which I did. It then asked me for the last four digits of my credit card! 

XXXX am I supposed to put in my credit card number when I lost it? 

So I found another phone number for Citibank, XXXX, and managed to speak with a representative. But the connection was muffled and we had difficulty hearing each other. She asked me for my SS # which I gave her. Then I asked her to repeat the number to make sure she had heard it correctly- which she refused to do! So I hung up, because if she has the wrong SS # she is useless.
Product: Debt collection

Company-online information services Amounts-XXXX They dont have any information regarding me still they are sending me debt collection letters This company is a fraud
Product: Debt collection

First off, the credit card that this account is from closed my account without allowing me to change my banking information to keep it. I had never missed a payment with that credit card company till the last payment. When I tried to change the banking information to my new bank to continue payments, credit one would not allow me to change it and closed the account without giving me notice or an option to pay. Then I get a notice from Resurgent telling me they were collecting a debt. I asked them if it would be on my credit report and they informed me if I made the payments on time it would not reflect on my credit report. I made three payments starting in XXXX and then in XXXX, they put it in my credit and has done this three times in a matter of 7 days which lowered my credit score tremendously. This needs to be removed from my credit report as I have made every payment early and considering I was not notified properly from XXXX XXXX that they were sending this to a collection agency. This entire account is fraudulent and needs to be removed immediately
Product: Credit reporting or other personal consumer reports

XXXX filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this items, as it is incorrect and does not reflect my true credit history. 
Inquiries : Advatage/ fairway inde report number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX the store did preauthorization my purchase. The preauthorized purchased was then applied to the account on XXXX but instead of changing it from a preauthorization to a purchase, the same amount was subtracted from my credit limit ( XXXX as a purchase and XXXX as a preauthorization ) from my credit limit causing it to be negative amount. I only made one purchase for XXXX, not two which is what was deducted from my credit limit causing me to look like I'm over my limit. This error is effecting my credit score. I have asked them to fix the amount, but I get an automated response saying if you canceled the order please wait 7-10 days to correct.
Product: Credit reporting or other personal consumer reports

The student loan Account from XXXX Balance is reporting inaccurately and needs to be updated as paid with a XXXX balance. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like Equifax, XXXX, and XXXX must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information.
Product: Checking or savings account

My money was taken from my chime account and spent through my XXXX XXXXXXXX all activities where done through my lost phone, without my knowledge or permission
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> ano notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In acordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.
Product: Vehicle loan or lease

I have an auto loan with Santander USA and currently waiting for a total loss insurance check to be applied to my account in the amount of {$10000.00}. Since the origination of the loan in XX/XX/XXXX I have never had a missed or late payment. My last statement from Santander USA dated XX/XX/XXXX listed the total amount outstanding as {$13000.00}, the status of my account was current, {$0.00} past due. 

On inquiring via the Santander website XXXX if the insurance check had been applied to my account I instantly noted that my account shows past due in the amount of {$1200.00} which includes late and interest charges and shows the last payment being received/posted to my account on XX/XX/XXXX, XXXX. My Account transaction history clearly shows payments of {$440.00} made and posted on XXXX and XX/XX/XXXX. The transaction history also shows 2 seperate transactions dated XX/XX/XXXX removing/reversing 2 payments of {$440.00} and the balance owed on my account as of XXXX is {$13000.00} Santander USA 's explanation is that both payments have been removed so that the insurance check can be backdated to XX/XX/XXXX ( date of total loss ) and the payments will be reapplied. I have never heard of an accounting practice that would require payments physically posted to an account to be removed to retroactively apply {$10000.00} insurance check. This action has effectively places my account into a delinquent status until some future date when Santander USA decides to post the insurance check. Addtionally, Satanders action falsely records my account as delinquent and I am truely concerned this will have a derogatory impact on my credit status with credit bureaus. I strongly believe this action is unethical at best and fraudlent at worst. I can only see the reasoning to remove posted payments to manipulate the true balance of my account for Santander to charge the maximum interest it can recover.
Product: Money transfer, virtual currency, or money service

I have been banking with bank of america since 2015. 
On XX/XX/XXXX I received a call from someone impersonating as bank of america, I googled the phone number and it showed as a bofa number. 
This person had my full name, phone number, account number, email address and current address and said my account was in danger as someone had tried to open an account in my name, so in order to protect it, I had to send : - {$1300.00} through XXXX XXXX using my bofa debit card ( currently under investigation with bofa ) - {$790.00} and {$1400.00} through XXXX  to : XXXX XXXX ( phone number XXXX ( total of {$2200.00} ) I was scammed for a total of {$3900.00} and Bank of America will not hold responsability, although their name and phone number was being impersonated by these scammers. 

My account was entirely wiped out, I had {$4.00} balance and had to pay my mortgage and utility bills, I had to borrow money to pay my own bills and so far I've only received {$3.00} reimbursement from the fraud XXXX transaction through Bank of America. All they had to say is " We are sorry, we can't do anything about it ''. 
I no longer feel safe banking with bofa as they are not doing anything to protect us customers.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report a ton of unauthorized inquiries that were not authorized by myself. The dates range from XXXXXXXX XXXX XXXX  and are as recent as XXXX of this year. I am going to send in a letter to Transunion including all said inquiries with a phot copy of my ID but they insisted I filed a complaint through here as well. They were stating that I need to file a police report as well which is incorrect as of 605B of the FCRA. According to Transunion their policies supersede the FCRA Law in which I as a consumer am protected.
Product: Debt collection

I reviewed my credit report and found a collections for XXXX XXXX XXXX. I disputed the account with the credit reporting agencies and XXXX XXXX sent me a letter home sending documentation that included two statements from Synchrony Bank with dates XX/XX/XXXX and XX/XX/XXXX along with a " soldletter '' dated XX/XX/XXXX. I have never recived a " soldletter '' from either XXXX XXXX nor Synchrony Bank ; and said documents do not validate this alleged debt ; additionally, I was not aware this alleged account had been allegedly " sold '', I never received a first communication letter from XXXX XXXX  for said collections of this alleged account. 

As an informed consumer and as per FTC report " The Structure and Practices of the Debt Buying Industry '' published/dated XX/XX/XXXX ; I request from XXXX XXXX the forward-flow agreement they signed with Synchrony when they purchased said alleged debt. 

I also request XXXX XXXX to provide : ( a ) the portfolio identification number; and ( b ) all information about the portfolio the Company obtained or obtained access to from the seller at the time of purchase, including the schedule of accounts and the bill of sale, and total purchase price. 

As per the FTC report, one of the findings was ... " Contracts revealed that both sellers and buyers knew that some accounts included within a portfolio might have incomplete or inaccurate data, including data on important information such as the then-current balances on accounts. '' With that in mind, how can either company continue reporting and attempting to collect debts that are incomplete? 

I demand this account to be zeroed out, and deleted from XXXX XXXX 's systems as well as Synchrony Bank, and for this alleged account to stop being reported to any/all credit reporting agencies. This negative item on my consumer credit report has caused a negative impact on the extension of my credit causing to be denied as well as high-interest rates. It has and continues to harm me directly as well as causing a monetary struggle and setback.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I have just been aware that my consumers information was breached thru XXXX data breach and accounts have been opened under my name fraudulently. I have been working closely with XXXX and XXXX. XXXX has been a tremendous help but fails to have everything/all accounts removed deleted or blocked after showing them a ftc report cfpb report and a bbb report. XXXX accounts remain and I have received emails from XXXX stating that extra and kikoff ( XXXX ) were verified as accurate without any verification process ( affidavit and validity of debt, signed contract with wet ink signature by me consenting the account and the reporting to trans and XXXX ). I have also wrote these XXXX companies physical mail letters cert mail after the fact letting them know I was a victim of fraud and sending attachment files. I even offered to sign a XXXX so they wouldnt incur a lost to have them delete the account and trade lines from my report in good faith. They have failed to write back or help delete and report all accurate information on the consumer report as per congressional findings and other federal laws. 
Please help me find justice and be heard by removing these accounts or sending proof of claim of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint
Product: Credit reporting

Lowered my credit score from XXXX to XXXX for no reason. After corrections to my report, my score rose to XXXX and now without any new information it was lowered. I have paid my credit card and car, my report should be gradually getting better. It is a systematic way to slander one 's credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and notice some hard inquiries that I don't recognize XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After looking through my credit report I saw some hard inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had my Discover credit card stolen on XX/XX/2023. 3 charges were made at the same time on XX/XX/2023. One was a flight XXXX to XXXX then another one to XXXX booked and travelled on the same day. The other two were hotels. XXXX support that this charge was fraud. But the two other charges made by an unknown person were reversed and charged back to my card. They claim the merchant provided evidence supporting the charge. But the charges were not made by me and listed a different name as the primary and booking passenger. The email and telephone number were not mine. I think when they stolen my cards they saw my tax return in the same drawer to use for my personal information. The airline ( XXXX ) confirmed that only one passenger boarded those flights. Plus, the other hotel was notified that the credit card used for booking was stolen and reported as fraud. They spoke with guest but they told the hotel it was a mistake and to go back and discuss with travel agency ( XXXX ). The hotel agreed. But then the guest disappeared without hotel being able to collect cash. So, travel agency decided to dispute the fraud charge so they were not responsible. Discover has sided with two of the three travel agency against the fraud charges and hold me responsible. But the third charge is still fraud which is XXXX