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

I have several inquiries on my credit report that are not recognizable and it may be due to the fact that there was a data breach that violated my consumer rights and protection under 15 U.S.C subsection 6801 - Protection of nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT AND I'VE TIRED TO REACH OUT TO THE CREDITORS AND NOTIFY THEM THAT THESE ACCOUNTS WERE OPENED UP FRAUDULENTLY I'VE ALSO ASKED THEM TO GIVE ME A COPY OF ALL THE INSTRUMENTS USED IN OPENING UP THESE ACCOUNTS AND NOBODY HAS REACHED OUT TO ME. BELOW ARE THE FRAUDULENT ACCOUNTS I NEED REMOVED. 

1 ) XXXX  XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX  XXXX XXXX -AMOUNT $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX   XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX -AMOUNT $ XXXX DATED OPENED XX/XX/XXXX XXXX ) XXXX XXXX -AMOUNT $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX -AMOUNT $ XXXX DATE OPENED XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX, Capital One Credit Services closed out my credit account due to fraud suspicion. An investigation was launched and showed no fraud activity on account. I help this credit card account in good standing over 3 years, in the duration I was offered a credit increase and auto loan for outstanding payment history and relationship with the creditor. However, due to the fraud investigation results, this creditor closed out my credit card account with little to no feasible explanation why. The result devastated my credit score with a blow out decrease of 35 points dropping my initial credit score that I have worked hard to improve and repair.
Product: Student loan

I am currently going through the PSLF process. I have received numerous letters stating that if I consolidate, Ill lose all my qualifying payments ; that my case is closed- despite having no previous payments prior to XXXX counted ( I have payments since XXXX ) ; paperwork that is causing so much frustration, confusion and stress. 

The letters they send are completely inaccurate according to the XXXX website. 

Fedloan needs to stop sending false information to customers.
Product: Mortgage

Completed 3 modification trial payments XXXX XXXX, XXXX, XXXX XXXX, 2021 and XXXX, XXXX all 3 trial payment in the amount of {$1600.00}. Received final modification documents for my mortgage it is a balloon mortgage. My previous mortgage was a fixed term FHA mortgage and to accept the balloon note is setting me up to lose my home. Resubmitted mortgage assistance request. Fixed term again for the 3rd time received a denial letter for 1st request to have a fixed term mortgage. I have resubmitted my request again I don't want to lose my home.
Product: Mortgage

Wyndham Capital Mortgage is the company ... 
Going through a mortgage re-fi ... in the beginning ... I ask if their loans have any Points ... they tell me No point re-fi. 
XX/XX/XXXX I receive an email and in there it says " We do not charge any lender fees whatsoever! '' They ask what i think my home is worth ... .I am not the expert ... ... I " guess '' at {$710000.00}.

On XX/XX/XXXX I receive my Closing Disclosure Statement ... '' Loan Costs- % of Loan Amount Points ... is {$0.00} ... ... ... so this looks ok to me then on XX/XX/XXXX just a few days before closing I receive updated Closing Disclosure Statement and it now has under " Loan Costs- % of Loan Amount Points is {$1900.00}. 

When I ask about this they are telling me it is because I said my home was worth {$710000.00} and appraisal came in at {$680000.00} so i was basically being penalized ... .because my " guess '' at my home 's worth BEFORE appraisal was off so now I had to pay {$1900.00}. 
This was told to me at the very end while waiting for loan to close and I couldn't start this whole process over due to the time and I would have lost the lock-in rate and the {$480.00} I had already paid for an appraisal and feel this is a bait-and-switch technique they are using. 
I was NEVER EVER told that I would pay any $ $ if my appraisal did not come in at {$710000.00}. I was deceived and lied to by Wyndham Captial!
Product: Checking or savings account

The options did not allow me to properly check off things. Also you sent me an acknowledgement last week but I was not able to verify things. 

Fortunately, I received a letter from Chase Bank about my original complaint XXXX that was forwarded to Chase. 

I replied back to them about the falseness of the letter to both me and you, and want you to know about it, being they probably send false statements to others. 

As you can see in the letter to both of us, highlighted in the forth paragraph is a false statement where they said that only the charge care was closed and then reopened. 

That is a lie. As I told them, and as the branch manager of the bank knows, that the savings accounts and checking accounts were closed.!!! and that I was told that a check for all the funds were to be mailed out to me with 14 days causing me to go to a different bank and open checking and savings accounts there so to make sure I would be able to receive my direct deposits of XXXX. and XXXX.
Product: Debt collection

I am filing a complaint against VYSTAR credit Union Account number XXXX in the amount of {$22000.00}, 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 item as it is incorrect and does not reflect my true credit history.
Product: Money transfer, virtual currency, or money service

See attached series of emails sent to   XXXX   XXXX    customer service. I purchased a diamond ring from   XXXX   XXXX   in  XXXX  and was promised on the day of purchase a 8.9 % money back within 30 to 50 days. I was later told by  XXXX  's customer service that the payback period is 90 days. It has now been 148 days and I am now out of pocket over {$600.00}. This is fraudulent promises. My internet research shows that I am not the only one with this complaint. I realize that the initial promise was made in  XXXX  and may be out of the US jurisdiction, but I have hopes that a complaint can be generated since  XXXX  home office is in New York. Their address is   XXXX   XXXX   XXXX   XXXX    XXXX , NY  XXXX . I also realize that the money back program is a  XXXX  government program. But,   XXXX   XXXX   is surely well aware of the problems with this program while making false promises to US citizens in order to make a sale. I have also attempted to contact   XXXX   XXXX   XXXX   as they are the ones who vouched for   XXXX   XXXX   as a reputable company prior to me making the purchase.  XXXX  has been non responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on XXXX, XXXX, and TransUnion. I have been affected in the past and I dont know why your company continues to place unrecognized Accounts and inaccurate inquiries on my credit file. The following accounts and inquiries were placed on my credit file. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against XXXX, XXXX, and TransUnion for placing false inquiries & Accounts on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of all the inquiries and accounts this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. Inaccurate Account information
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX is reporting inaccurate information on my consumer credit report. They are reporting late payment, charge off and inquiries and promotional inquiries in which I never approved. Also they are reporting my utilization in which they are not suppose to .The law states its illegal to report late payment history. The IRS states that charge offs are consider as income and should not be reported on ones consumer report. They are also in violation of the privacy act of 1974 5usc552 ( a ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I seen on my credit report that Columbia Debt Recovery LLC DBA Genesis has my account in collection for {$10000.00} for non-payment of rent. I have disputed this with debt collector, but they insisted that this was my debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. This is a fraudulent account, and i have identity theft report and a official police report In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission.

Thank you for your attention regarding this matter.

Sincerely,
Product: Mortgage

This is my third attempt for you to remove the inquiries to my credit. The letter you submitted means nothing. I instructed the loan officer to stop and i wasn't interested any long after the numerous inquires on my credit. Please remove the inquires or i will be forced to seek legal assistance. 

You wrongfully inquired about credit causing to to fall 47 points. 

XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with XXXX XXXX, please remove them within the next 15 days. Enclosed are the supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with bank of america in XXXX and i closed the account on my behalf on good terms. if you look at the account i made all on time payments until i closed the account. I went to bank of america in person to close my account and the agent cut my card and i thought i was done. turns out the agent never cancelled the account and they charged me a XXXX fee i called and they said it was there fault and they officially closed it but without fixing my credit report. i called in XXXX to fix it and they said they fixed it but ended up using it as a charge off as if i did something wrong.
Product: Bank account or service

My wallet was stolen out of my car on XXXX/XXXX/15. I have talked with regions bank several times and am constantly getting no where with this company. I had called again on XXXX/XXXX/15 to talk to soltions department to refile the case. the next day it was denied. I have called several times and no one is willing to do anything at the main office or branch level. This company has STOLEN a total of XXXX in fraudlent charges and XXXX in fees that occured due to these fraudulent transactions. the total being XXXX STOLEN from this account.
Product: Mortgage

On today XX/XX/2024 I received a call from the Wells Fargo Presentation Department and I informed them that its on file that a third party is already communicating with XXXX XXXX about the matter. Instead I was met with an I dont care unprofessional attitude. And Im requesting that they only contact the third party and to stop their harassment and ignorance they called me from XXXX XXXX XXXX
Product: Debt collection

Ok in XXXX I acquired the funding from pacific financial leasing and acquired a dump truck with XXXX XXXX miles on it for like XXXX. The truck ran for like a year however the maintenance was astronomical and I couldn't find parts for this model to keep the truck running. I ran into financial difficulty trying to keep the truck and my house, I lost both of them. Even while I was paying back the loan they would always call and harass me about my truck note which was XXXX per month. So from XXXX until now I haven't had a XXXX  business. I moved out of the state of Maryland around that same time.My truck was parked at a storage lot and I told the leasing company where it was so they could come and get it.The keys were with the truck.I never heard anything else until yesterday when they threatened to put a lien on my bank account file a ucc1 and garnish my wages.
Product: Credit card

I contacted Syncrony Financial over the XXXX to close a Care Credit account. I spoke with a customer service rep and confirmed several times that the care credit account was paid in full and would be closed. It turns out Syncrony did not close my Care Credit account and recently sent me a new plastic card. I just called and the customer service rep told me an account related to a mattress purchase was closed. The last activity on this mattress account had occurred in 2009 and should have been closed at that time following a phone call I had made to close the account. It seems Syncrony is not closing accounts as requested.
Product: Debt collection

I am writing because XXXX XXXX has a credit collection account reporting on my XXXX XXXX and XXXX credit report from Diversified Consultants. The account shows as paid, but it is still a collection account. I never paid Diversified Consultants. I have only dealt with XXXX XXXX. I paid XXXX XXXX directly. 

It is false reporting for Diversified Consultants to report I have an account with them and that I paid them. I am requesting that Diversified Consultants remove this collection account from my credit reports.
Product: Money transfer, virtual currency, or money service

Please see the attached documents. 

Western Union processed roughly 70,000 HKD for at least one individual who was illegally XXXX XXXX XXXX from XXXX to XXXX XXXX and XXXX  XXXX. 

Here is the link showing the arrest : XXXX XXXX XXXXXXXX You can see the attached documents showing the transaction receipts illustrating Western Union processed roughly 70,000 HKD in transactions that were the direct result of XXXX XXXX. 

These activities are quiet concerning and appear to be in violation to what WU has promised to its shareholders, the USDOJ, and the NYDOJ.
Product: Credit reporting or other personal consumer reports

Experian, Transunion, & Equifax has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable re investigation of a disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian XXXX Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian XXXX Equifax also TransUnion has not corrected nor removed disputed items, despite the evidence i provided, causing ongoing harm to my credit standing. I am respectfully requesting immediate corrective action to remove or amend the disputed accounts, as Experian, TransUnion, & Equifax inaction violates federal law and my protected rights as a consumer.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found and account on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home. Please remove this fraudulent item from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX, HAS VIOLATE 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 report agency can not furnish a account without my written instructions.
Product: Debt collection

Hi I have received a letter from XXXX XXXX XXXX XXXX with Reference # XXXX saying * You had an Obligation to XXXX XXXX with account number XXXX for an amount of {$170.00}. When I called them to ask about this letter they have confirmed that they never provided any service to my address. 

Can you please investigate this letter and make sure this type of false notification are avoided in future. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and two educational parties are posting and charging the same amount/payment on my report. I recently received an email about my information being exposed in a data breach and things are appearing inaccurate on my report. the student loan accounts are reporting twice under two different companies making appear as if I owe double.
Product: Credit card

On XX/XX/24 I was alerted of a new internet option. I called XXXX XXXX XXXX XXXX spoke to a customer service worker who assisted me with the upgrade. I have been a long time customer. I have at times had to return the old equipment & other times I did not. I asked the worker on the phone " do I need to keep or return the old equipment? '' I was told NO. I received the new equipment within 4 days. I set everything up & disposed of my old equipment. I got an email XX/XX/24 saying I needed to return my old equipment. XXXX XXXX XXXX told me I did NOT need to return it & now I am being punisher. They are stealing my money. I was charged {$130.00} for something that was NOT my fault. I have spent hours on the phone with XXXX XXXX XXXX as well as Capital One for a resolution but have been denied any refund.
Product: Prepaid card

I have purchased a XXXX XXXX by American Express from XXXX store. I have added {$500.00} to it with the initial purchase. The card was not properly activated and the card can not be used. 

I have contacted American Express and sent in all the materials they asked for, driver 's license, front and back of card, receipt, card package, etc. 

I have not received any response for six months, which is totally unacceptable. Every time I call customer service, they would just tell me to wait for a few more days.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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
Product: Credit card or prepaid card

they suspended account without en explanation. I tried call them I cant get brought. when I get through and tell them to get my balance from the account. they hang up. my disputed charges were declined without en explanation. my internet access has been closed
Product: Credit card or prepaid card

CHASE CREDIT CARD 'S FAILED TO DISCHARGE ACCOUNT THAT WAS PART OF A SCAM AND FRAUD INDUCED WIRE TRANSFERS FROM CHASEXXXX XXXX XXXXXXXX AND XXXX. 

IN XXXX CHASE TRYING TO COVER UP DECIDED TO DISCHARGE DEBT AND SENT ME A 1099-C ( CANCELLATION OF DEBT IN AMOUNT OF {$29000.00}. WHEN I DISPUTED THE ENTIRE MATTER AGAIN COVER UP AND IN XXXX ISSUED ANOTHER 1099-C WHICH Cused a problem with the IRS IN XXXX AND WHERE THEY DETERMINED OUR I.D THEFT FRAUD FROM XXXX. FINALLY, XXXX IS BLOCKING ALL CHASE ACCOUNT SINCE XXXX. 

THESE ACTS ARE ALL VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore XXXX 's actions XXXX also contravene the Consumer Protection Act ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request the CFPB take action to ensure XXXX compiles with federal law and provides consumers with the necessary proof of investigation. 

Below are the accounts that are inaccurate. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO REMOVED THESE INCORRECT NAMES AND ADDRESS ON MY TRANSUNION REPORT. THESE NAMES DO NOT BELONG TO ME NOR DO I HAVE ANY RESIDE OR GET MAIL AT THESE ADDRESS. I WOULD LIKE FOR THEM TO BE DELETE OFF MY REPOST IMMEDIATELY THANK YOU XXXX XXXXXXXX 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

I am receiving lot of spam, silent and harassment calls from AAA Collections. The debt collector is also using false, deceptive, or misleading representation or means in connection with the collection of debt. Its violation of FDCPA Act. I would request the collection agency to stop harassment tactics.