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

Credit Card Company : Barclaycard XX/XX/2019 I cleaned out my apartment, throwing away a bunch of junk / clutter. 

XX/XX/2019 I received a fraud alert around XXXX that my Barclaycard Credit Card had been used at a local XXXX. The fraud transactions totaled to {$130.00}. 
I called Barclaycard and confirmed that the transaction was NOT made by me. 
At the time, I believed that the physical credit card was safe at my home and I told this information to Barclaycard. 
Later that day I realized that the card was actually missing -- it was likely thrown out by accident from the day before. I did not update Barclaycard with this information as I believed that all I needed to do was confirm that the charges weren't made by me ( which I had done earlier that morning ). 

XX/XX/2019 I received a letter in the mail from Barclaycard -- they determined that the transaction was " valid '' and therefore the balance of {$130.00} were to remain. 

XX/XX/2019 I called Barclaycard at their fraud services line ( XXXX ) to dispute their decision to mark the fraudulent transactions as valid. 
They said that because the physical card was used, and that I didn't declare it stolen, so they decided not to consider it fraud. 
They said the only way to further dispute is to send a letter with documentation proving that the charges weren't made by me ( I don't know how to prove this with documentation ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries that need to be removed are listed below 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

Dear CFPB, first of all I want to thank you for following up on my previous complaint. I very much appreciate that a bureau like your exists and are here to help us! 

My complaint isn't of the gravest sort, rather an annoyance : the last months ( about half year ) my mail box have been FILLED to the brim with credit card commercials, pre approved cards ( actual plastic cards ) and fake advertisement where the banks write things like " URGENT RESPONSE NEEDED '' etc, and I just after having wanted a lot of tie reading through everything start realizing it's just fake ads and not anything dire or urgent at all. The main issue with all this ( apart from being incredibly rude, annoying, bad for the environment and the whole feeling of these money grabbing half criminals trying to trick me and everyone else into signing up for cards that we will loose on and they will get our money from ) is that they fill up my mail box so I can't receive other normal mail like my bills. I travel a lot and sometimes when I come back, I literally find my bills and postcards and packages underneath the mail box, because my mail box is so full of these fake ( and what i assume are pre approved real ones even! It's horrendous ) credit cards. 

I have previously had a long battle with XXXX XXXX about this, where they kept bombarding me even though I wasn't and never had been a customer of them and I kept calling to complain and ask them to stop. After I contacted CFPB they FINALLY have stopped now, it's so awesome to go to the mail box now - but only for a short while. because now two new companies have started : XXXX and XXXX. I have already submitted a complaint about one of them and will compete another on the other after this complaint. 

You see, I have found out that I need to go to the source of the problem : the credit companies, XXXX, XXXX and TransUnion. As far as I understand, it is THESE three companies that share ( or sell??? I wouldn't be surprised if they actually earn money on doing this.. ) my information WITHOUT my consent. So, today I am reporting all three of them, to hopefully have this harassment ( yes, that's what i will call it ) come to a final end. 

Again, thank you so much for taking the time to look into this, I really appreciate it so much! 
( Also : a tip about how these issues could be solved : In XXXX, where I grew up, we have an official sticker from the government that we can stick to our mail box where it says that they are not allowed to leave commercial in our mailbox. It is respected and everyone follows that rule in XXXX, so if you don't want offers, you won't get them. Pretty much everyone in XXXX has those stickers on their mailboxes, because who would want to be harassed like his?! Works like a charm! I wish there was something like that here too.. ) Have a wonderful day! All my best
Product: Debt collection

A company keeps calling me NE Processing LLC XXXX claiming that I owe money and they are threatening to sue me. I looked up the company and can not find they are real. It even lists them as a scam. They have my old banking information somehow, but I told them I do n't know about the loan, but they do n't provide many details. They also used different names for their company also one day its one name another day its another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to remove my fraud alerts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that XXXX XXXX XXXX  absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Product: Mortgage

This is in reference to Case Number XXXX - XXXX, where as I received communication from CFPB on the status of my case on XXXX/XXXX/2016 per the referenced case that HSBC Mortgage Servicing had sent a communication to CFPB that they needed more time of 60 days to work on my complaint. Howerv, that is n't the case as you can see by the attached documents that they have already decided to deny my request for a loan modification. In their corresondence to me they said that I could appeal but the information in their corresponce is so unclear as to what I 'm to appeal. This has been the historical missleading information being received from HSBC, along with the inability to contact the relationship manager that 's assigned to your case, to obtain factual information. I have attached documention from my account with HSBC and the correspondence most recently received. So i 'm even more so convinced that they are not taking modification requests seriously and thus violation federal Mandated requirements. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX account XXXX To Whom It May Concern : I continue to dispute the validity of this account. I request a copy of all information use to open the account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Product: Credit reporting or other personal consumer reports

Please see letter sent to Mosaic XXXX team and their Customer service who refused to allow me to speak to a supervisor or manager to file my complaint against their negative reporting of what they claim is late payment even though they have been set up for XXXX since this Solar loan inception back in XXXX. They always received their payment every single month on time through the XXXX set up
Product: Credit reporting or other personal consumer reports

I have submitted a few disputes as to my identity being stolen and accounts being open fraudulently they are not helping me I kept getting thrown through hoops with no end in sight I have filled out identity theft report ftc report and I sent in my drivers license social security card bank statements everything they have requested and they have still not fixed the inaccuracies or blocked the fraudulent information and accounts from my credit report
Product: Credit card or prepaid card

I have excellent credit and already have a long standing XXXX card from Chase bank. I took advantage of several new offers they had one for a personal card Chase Sapphire Preferred and a new business card Chase XXXX XXXX preferred. I was approved for both. I spoke with a representative live regarding limit increase on both new cards and the live representative based on my credit worthiness granted an increase on both. I proceeded to use my new cards that arrived several days later. Both cards came with wonderful new benefits, one being a {$1000.00} back after spending {$2000.00} within the first 2 months, also zero percent interest for 18 months, additional cash back, flyer miles and a host of other benefits between the two cards. I spent roughly XXXX on the first card an about XXXX on the second card. Nothing else changed on my credit, no lates, no additional heavy charges, nothing. After only a couple weeks of having my new cards Chase, without warning closed ALL my Chase accounts including my XXXX card which I had for almost 10 years. When I called them to find out why they refused to give any answers and simply said a letter would be mailed to me. A letter did finally arrive almost 2 weeks later and all it stated was " Too many recent reviews of credit '' & " balances are too high compared to credit limits ''. This is information they had out the gate when approving the two new cards yet they said nothing, this is the same information they had when I called in and soke to their live agents, and not only did they say nothing they granted a higher credit limit. Now only a few weeks later, they closed not just the two new accounts but also my 10 year old long standing XXXX Chase Visa. Yet they never even sent a letter for reasons as to why they would close my 10 year perfect standing XXXX Chase account. My entire history with Chase for over 10 years, zero late pays, zero derogatory payments or marks, nothing but perfect history. Needless to say I am furious as this is a direct violation and breach of contract, dealing in bad faith, and a switch and bait. When I inquired about the benefits that were promised to the cards they claimed none would be paid out, not the miles earned, or the {$1000.00} cash back earned or even the points earned, as well as the zero interest. They have hurt my credit substantially by allowing new cards to be opened only to be immediately closed while carrying high balances, they hurt my credit further by closing a 10 year long standing account with no notice or warning, and they hurt my credit even further do to the fact my revolving credit to income percentage is now skewed with high balances that are no longer revolving and are just latent debt. Please hold Chase accountable for their breach of contract, dealing in bad faith, conduct unbecoming of a business and classic bait and switch. I await to hear from you guys. My attorney is being made aware of this complaint being filed as we both await cfpb 's success in response with Chase. Thank you.
Product: Credit reporting or other personal consumer reports

There r accounts on my credit report that doesnt belong to me
Product: Mortgage

I received a letter in the mail on XX/XX/XXXX stating that my flood insurance had expired on XX/XX/XXXX. I called my mortgage company and was told that i needed to purchase a flood policy and send them the information so they could update it or they would place lender placed insurance on my home. I pay into my escrow every single month with my mortgage payment, however Loancare did not pay my renewal for flood insurance. My insurance company states they never receieved a payment from loancare in XXXX of XXXX either, so i have not have flood insurance for an entire calendar year. My online account with loancare has shown both my homeowners and flood policies to be active for the past year. I called my homeowners insurance next, this policy is set to renew on XX/XX/XXXX. XXXX XXXXXXXX XXXX informs me that they sent an invoice to Loancare on XX/XX/XXXX for renewal of my homeowners, which they also failed to pay out of my escrow account. I am now being told that I have not had homeowners or flood insurance for an entire calendar year. I live in XXXX XXXX and insurance is already hard to come by and outrageously expensive. My mortgage company is now stating that they will be backdating flood and homeowners insurance back to XXXXXXXX XXXX XXXX with lender placed insurance and I will be responsible for paying all 4 premiums now out of my escrow account. The four premiums would be 1 flood policy backdated by loancare, 1 homeowners policy backdated by loancare, 1 flood policy for the XXXX, and 1 homeowners policy for XXXX. I have all documentation showing our mortgage company being billed for insurance and all phone calls since speaking to mortgage company have been recorded by not only myself but the mortgage company as well. My concern is that Loancare is going to backdate flood and homeowners policies for over a year ago and i have to pay for their mess-up. My other concern is that i am unable to get a policy writtten since i have not had continuous coverage due to their negligence.
Product: Debt collection

XX/XX/2018 amount XXXX XXXX this debt is not mine, i have contacted the collection company asking them to verify this with a signed document and i have received NOTHING that proves these accounts are mine
Product: Credit reporting or other personal consumer reports

I am showing a past due balance from XXXX XXXX XXXX  less than {$10.00}. The balance incurred because I returned a purchase from XXXX and then was occurred service fees for having the account I definitely sign up for auto pay which would have taken care of any such past due balances I spoke to numerous representatives which told me that they took care of the issue, they changed the past due balance as paid agreed now all of a sudden its showing up as 30 days past due. Spoke to supervisor XXXX and many more past that which told me that the issue would be corrected because they already adjusted the past due balance to paid as agreed. Now all of a sudden theyre on their promise and showing as past due 30 days late. Theyre now rethinking on the promise.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and identified erroneous information present on my credit report.
Product: Checking or savings account

I have my XXXX benefits direct deposited to chime when these fraudulent charges began I had only had chime for about 2 months. XX/XX/2023 I got XXXX for violating my XXXX XXXX  in XXXX XXXX ga. The pulled my time on my XXXX  which means I was to stay in XXXX XXXX XXXX XXXX was over. And I would be done with probation. I was released on XX/XX/XXXX .. when. U are sentenced to time more than a month the XXXX  asks for your personal property to be released I'm guessing. So that they are not responsible for it. To release everything except. The clothes worn in when arrested. My friend and neighbor next. Door picked upy property. She took my purse cell phone jewelry. Everything I had but clothes to my home. Who I share with. A roommate. She put my belongings in my bedroom .which I have a lock on my door. So all these months by and I'm proud to know that. My benefits have been accruing and I will have a good bit tof money saved up. Made plans to myself to get my license back something I couldn't. Do with receiving my money just monthly but my card not being touched for. 5 months I can now finally get legal when I got home. Got to my phone to get to app use money. My balance was XXXX. Savings. XXXX. How could this be. I then started digging on transactions and activity from XXXX to XXXX and found money transfer 's atm withdrawal s. Transactions for the entire time of my XXXX XXXX. Up. U til the very same day I came home transfers to a person that I knew. Trusted. Supsed to be my friend I allowed him to come help with my dog from time to time while I was gone. Of coarse when I confronted him. He denied it. I called the police to come out. To report it. I called chime. Filed claims for every transaction and any activity to occured from XX/XX/XXXX to XX/XX/XXXX to being fraudulent and unauthorized transaction and charges... I sent chime this. Including a document from the XXXX XXXXXXXX  sheriff 's office staying my dates in. XXXX XXXX XXXX XXXX XXXX. Chime left me feeling like I had nothing to worry about. They have done nothing but close my account. My app was locked I couldn't get into it to show the fraud detectives the charges and transfers noonw from there. Has given me any explanation to why denial or for closed acct. Infact. Say I am to pay them back. The money I claimed and disputed. I have a mountain of emails back and forth and still I don't know anything except. I was denied and I owe themu own money that I never. Received that was stolen from me. I need help I need my money I am reaching out to whoever can plz. Help me. I have done and will do whatever I need to get this resolved and refunded. Because. I was I XXXX  and believing what was the furthest from the reality of what's happening to me. It was hard enough. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but to come home to getting robbed of al I had. My water is bout to be off. My power too. I HABE no way to pay for anything groceries nothing plz help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon securing an updated copy of my Credit Report from XXXX, I hurriedly checked the accounts which I previously disputed and realized that the Accounts were never corrected. I am frustrated by this and it disappoints me seeing the Credit Bureaus having no assertion about the status of the disputed accounts on my Credit File. The Credit Bureaus are given ample amount of time to conduct their investigation and correct the disputed accounts and yet they have failed to do so. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00}, and XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6100.00}
Product: Debt collection

XXXX, XXXX canceled my appt. I exclaimed the termination and they had said not to worry, since I spoke with billing each time " no worries '' w/apologizes, now continues bills from collection agency. I do not owe, they were going to make it the one day retro active..
Product: Credit reporting

I have a hard inquiry that was conducted by CBCINNOVIS. I do n't know who this company is and I do n't recall requesting credit from this credit.
Product: Mortgage

I had my original mortgage with Wells Fargo. Since I was already a customer I decided to refinance with them on or about XX/XX/XXXX. On XX/XX/XXXX the mortgage refinance was still not completed. The problem was with a HELOC I had with XXXX XXXX. They needed XXXX  to subordinate the loan. They were not able to get that done in 9 months. Fortunately I have my XXXX  account Vice President at XXXX  and he took the time to contact the subordination group at XXXX  and told me flat out that is was an issue of negligence on the part of Wells Fargo for ignoring requests for information or sending information that was past the date that they could use it. On XX/XX/XXXX, I contacted another bank and they were able to complete the refinance in 28 days without a problem. The incredible delay caused me to have to pay an additional {$1500.00} a month in mortgage payments and a fee to get the new mortgage. I have the names and emails from every person that was involved in their negligence. I did get a letter from a Wells Fargo Case Specialists after I complained stating that they were not at fault.