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

A charge was posted to my credit card account on XX/XX/XXXX in the amount of {$3000.00}. The charge was from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX ( Ph. XXXX ). I first saw the charge on XX/XX/XXXX and called Sallie Mae, the credit card issuer, immediately to dispute it and request a new card. I mailed the dispute form the next day ( sending the dispute form via email or fax were not options Sallie Mae allowed ).  Upon discovering my dispute had been processed and the charge was back on my account I contacted Sallie Mae again on XX/XX/XXXX. I spoke with XXXX, a customer service representative, who stated he would return my call once he had more information. He returned my call that afternoon and stated that Sallie Mae never received my dispute form and that they had received a receipt from the merchant with my name and signature. XXXX also informed me that I could send the dispute form again and to call back when I had done so. The next day ( XX/XX/XXXX ) I sent the letter certified ( tracking # XXXX ), it was delivered to Sallie Mae 's PO Box ( address provided to me by Sallie Mae ) on XX/XX/XXXX and to date it has not been picked up at the post office. I then called back to inform them it had been mailed and asked if I could have a copy of the receipt. I was told at that time that I would only be able to get the receipt from the merchant. I called the merchant and left a detailed voice mail and have called 4 other times. Only once was the phone answered and the merchant immediately hung up on me when I began speaking. To my surprise Sallie Mae sent a copy of the receipt to my email on XX/XX/XXXX. The receipt is attached to this complaint. The receipt was signed by someone else and the signature appears to read " XXXX '' and the last name is not legible. The merchant included a note on the receipt that states, " The customer was in my repair shop to purchase an engine. The purchase was for pick-up only. They ( sic ) customer payed ( sic ) for the engine and took the engine with him at that time. '' Upon receiving this receipt, I contacted Sallie Mae once again and spoke to XXXX who stated that even though it was not my signature, it constituted a legal signature and there was nothing more Sallie Mae could do and that the matter was closed. It should also be noted that I do not own a car as I am currently a student in North Carolina and have been provided a car by my parents. I appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have a mortgage that is currently being services by Sterns Lending/Loan Care. I went on line on XXXX/XXXX/2015 to make my mortgage payment only to find out that my payment had increased by almost {$400.00}. I called Sterns and was told that my mortgage insurance was doubled on my FHA loan in error after an account analysis had been done. They advised that they would do another account analysis that would take two weeks and fix the issue. I was told I would n't be charged late fees because of their error. I checked every day up until XXXX to see when my payment was corrected. On XXXX when I checked my payment was changed but still much higher than the mortgage payment that I qualified for and had been paying. They said the notes in the system were due to a shortage in my escrow account. I was issued a REFUND on my escrow overage less than two months prior to this happening ... .now I have a shortage? I asked why I as given a refund and now they are increasing my payment beyond what I qualified for or wanted. After being on hold for 30 minutes I was told by the representative that neither her or the manager could figure out why my payment had increased and that I needed to just make my payment. I went online to make my payment so that my credit would n't be adversely affected and I was charged the late fee that I was told would be waived due to their error.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer has disputed inaccurate information reporting to 2 of the 3 major credit bureaus on behalf of the company LexisNexis Risk Solutions. As well as going directly to them in efforts to dispute the false and inaccurate information as well. LexisNexis has offered on more than one occasion an automated invalid timely response to consumers disputes. Responding outside of the 30 day window given and not updating each consumer report with marking the item in question as disputed. Consumer has sent certified letters on multiple occasions outlining a detailed response from this company, as well as placed a security freeze multiple times on consumers report to block any future inquiries on the inaccurate report. neither has been honored and in result consumer has suffered major financial injury loss and defamation to his name. Consumer has even reached out directly to the US District Northern Bankruptcy court and they've confirmed they furnish NO INFORMATION what so ever to any credit bureau or data mining company such as LexisNexis ( See attachments ) All the detailed evidence I have supports my claim of this inaccurate reporting.
Product: Checking or savings account

**Subject : Unjust Account Restrictions and Allegations of Fraud by Capital One** **Details : ** - On XX/XX/XXXX, I made two payments to my Capital One credit cards through the mobile app, bringing my balances to XXXX. 
- On XX/XX/XXXX, my credit card accounts were restricted without explanation. Customer service cited large payment amounts as a trigger, requiring me to verify the payment source. 
- Despite showing proof at a Capital One branch in XXXX, LA on XX/XX/XXXX, the bank staff could not initially find my checking account from which the payments were made. They then questioned me for over an hour and a half, which I felt was a violation of my civil rights. 
- I was accused of fraud based on a large deposit in my checking account, despite my providing evidence and assurances that no fraudulent activities had occurred. 
- Capital One threatened to close all my accounts and suggested they might involve law enforcement if I didn't leave the branch. 
- After further investigation, my savings account was cleared of fraud allegations, but my checking account remained inaccessible in the app and was later confirmed closed since XXXX, which contradicts my experience of using it in XXXX. 
- I have over eight hours of recorded phone calls where I believe I was given misleading information. 
- My credit cards were charged off, limiting my ability to prove my payments, though I have photographic evidence. 

**Issues : ** - Unjust account restrictions. 
- Invasive and potentially discriminatory questioning. 
- False accusations of fraud. 
- Lack of clarity and misleading information from Capital One representatives. 
- Inability to access my checking account post-incident. 
- Unfair handling of my credit card accounts leading to charge-offs. 

**Supporting Documents : ** - Payment records from XX/XX/XXXX. 
- Screenshots from the Capital One app. 
- Recorded phone calls with customer service. 
- Correspondence from Capital One about account status and fraud allegations. 
- The letter from Capital One stating the account was closed in XXXX. 

**Requested Action : ** - An investigation into Capital One 's practices. 
- Restoration of my account access or appropriate compensation for losses incurred. 
- Correction of my credit report regarding the charged-off credit cards. 
- An apology for the ordeal, including the potential civil rights violations.
Product: Credit reporting

To whom this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, the CFPB, and others - however - despite multiple attempts to contact Chexsystems I have not gotten a response from Chexsystems and negative known to be false information continues to appear on my report. However, whats worse is that Chexsystems has failed to following the rights, as explained on Chexsystems ' own website here : XXXX Specifically, at least the following violations have occurred : 1. ) Chexsystems has not initiated an investigation into my disputes and continues to request unnecessary information as an excuse for not investigating. 2. ) Chexsystems has not provided me with a copy of my credit file in or provided me with a response to a dispute within the allotted time. 3. ) Chexsystems has not included my " brief statement '' on file, meaning I am being denied my rights to dispute information that Chexsystems has failed to remove or properly investigate. 4. ) Chexsystems has not resend my file to financial institutions who previously obtained a consumer file with disputed and known to be false information. 5. ) More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response via registered or tracked mail to XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. I have experienced missing mail, which is also in my previous complaints to Chexsystems and thereby believe this requires the use of tracked or registered post to avoid the sensitive information from getting stolen and to confirm delivery. Should you have any questions or concerns, please contact me at XXXXXXXXXXXX or via mail to the address above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a email firm loan offer to consolidate my credit card debt into 1 loan from Greenlink Funding. I called and they ran the numbers, said I didn't qualify for their loans but they could do a debt restructure. They explained that to make this happen, I had to default on my credit cards, quit paying them for 2-3 months, to make the creditors more inclined to agree to the reduced repayment plan. I pay my bills and told them no thanks. Because they pulled a credit check for their " fake loan offer '', they lowered my credit score, which hurts me when dealing with legit loan companies. 
Here is an email they sent me when I called about the defaulting they were telling me to do and how it affects my credit. 

XXXX XXXX <XXXX> Fri, XX/XX/2018, XXXX XXXX to me For compliance purposes, I have to tell you 3-6 months. But they typically settle at the 3rd or 4th month. It all comes down to timing with the banks. 

They should be stopped and not allowed to operate, as they are driving up defaulting numbers and hurting consumers who actually pay their bills, but wanted help to get out from under by consolidating to 1 payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptlyle I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXXY XXXX Balance Owed : {$5600.00} XXXX  C XXXX Balance Owed : {$41000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Payment was made online on XX/XX/2020. My due date is the XXXX  of every month. Hyundai finance applied my payment to the wrong account. I have spent over 5 hours on the phone this week to no avail.
Product: Debt collection

My Mortgage company taped a copy of someone else 's mortgage statement with ALL of their account information to my door. They also taped a copy of MY MORTGAGE STATEMENT AND ALL OF MY ACCOUNT INFORMATION TO SOMEONE ELSE 'S DOOR. 

Guild Mortgage never had my permission to share my information with ANYONE, let alone a complete stranger. I was never authorized to see the complete stranger 's information that was taped to my door in a plain white envelope that said " confidential '' on it. 

This is a clear violation of the fair debt colleciton practices act and I need to know my options for recourse. Along with this issue, they refuse to take my payment via any conventional or normal method, causing me to continue to be late on payments due to their refusal to take any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have six negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX. 
Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Bankruptcy Reference XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have the rights 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.
Product: Debt collection

Company ignored first complaint and keeps on calling. They are annoying and a nuisance. They ignored the first complaint completely.
Product: Debt collection

FLAGSHIP CREDIT ACCEPTANCE IS STILL REPORTING AN INACCURATE CAR THAT WAS FALSELY PUT IN MY NAME WITHOUT MY KNOWLEDGE!!! THE COMPANY WHO LET THIS HAPPENED IS NO LONGER IN SERVICE! THEY WERE SHUT DOWN FOR ILLEGALLY PUTTING CAR NAMES IN OTHER PROPLE NAMES WITHOUT CONSENT!
Product: Credit reporting or other personal consumer reports

Discovering unauthorized inquiries on my credit report tonight left me deeply disappointed and confused. I routinely check my report, but this time I was met with unexpected discrepancies. Refreshing my browser didnt help, as the unauthorized inquiries were still there. I urgently request a thorough examination of the documents I've provided so I can finally have peace of mind.
Product: Credit card

I called Bank of America on Saturday XX/XX/2024 to confirm the date I needed to pay my credit card bill in full, which on XX/XX/XXXX, the balance was {$4800.00}, and needed to pay that amount off to avoid any interest fees being charged. The consumer care representative stated that as long as I made the full payment before XX/XX/XXXX, I would not incur any interest. However, this was incorrect and I was charged {$220.00}. I called to contest this charge and have them remove it but they denied it.
Product: Mortgage

I am 100 % permanent and total XXXX veteran my injuries were were heavily on my mind and believe that I had made the payment on a timely manner I have been in my home for three and a half years and never had this problem before and after this infraction that won't happen again.
Product: Credit card

I did send the credit company what they requested but everytime i send the document they came up with another request
Product: Credit card

I recently applied for and was approved for a Citi card after being bombarded with numerous mailings offering 0 % on purchases and balance transfers. I decided to transfer {$9000.00} from another card to take advantage of the 0 % interest rate. Well I just looked at my statement and see that Citi is charging me {$270.00} as a transfer fee. This is completely misleading and I feel as if I 've been misled. {$270.00} is alot of money for someone that is trying to reduce debt and paying for school. On my XXXX credit report I see that Citi has XXXX HARD inquires. They are on XX/XX/2016 and XX/XX/2016. I only applied for XXXX credit card so I fail to see why I have XXXX HARD inquires.