23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX  to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. US DEP ED XXXX {$200000.00} XXXX XXXX {$8000.00} XXXX XXXX {$14000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00}
Product: Debt collection

XXXX XXXX XXXX, XXXX was not authorized to inquire about my credit in any way. I have no knowledge of who they are. I have contacted them about this matter and asked that the inquiry be removed from my credit report but, I have yet to receive my request. The FDCPA requires a {$1000.00} fine if this unauthorized inquiry is not removed. Various amounts of {$240.00}, {$87.00}, {$980.00}, {$58.00}, {$140.00}, {$240.00}, {$410.00}, {$130.00}, {$320.00}, {$280.00}, {$480.00}, {$590.00}.
Product: Debt collection

XX/X/2016 After repeated calls I asked the manager of XXXX XXXX XXXX to not call my work and gave my personal cell phone number. Reminded them that the fair trade commission established the fair debt collection practices act and under this act it states that after I have given them a oral warning not to call my work its consider harassment and if they continue to call my work I can seek legal pursuit after them.I have now documented and my front office has documented several times they have been calling my work number. They do n't seem to understand and continue to harass me and now I might lose my job because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS FAIL TO PROPERLY INVESTIGATE ACCOUNTS THERE ARE FRAUD SUMMITED A DISPUTE AND I TOOK 2 DAYS TO SAY THAT THEY VERIFY THE ACCOUNTS IN QUESTION WICH IS XXXX XXXX, XXXX XXXX XXXX THE WERE OPEND DO TO IDENTITY THEFT IN WICH I HAVE SUMIT AL PAPERWORK TO THE IN INCLUDING POLICE REPORT FTCA REPOT AND STILL THE HAVE VIOLATED MY CONSUMER RIGHTS. ACCORDING TO THE FCRA ACT SECTION 609 A 1 A THEY ARE REQUIRE BY FEDARL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION AND I DEMAND THE FOLLOWING ACCOUNT TO BE VERIFIED OR REMOVE IMMEDIATELY
Product: Bank account or service

To whom it may concernRe : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , fl XXXX ( XXXX ) XXXXXXXXAccount # XXXX WellsFargo Bank NAI filed this complain due to a fraud was made in my account on the month of XXXX XXXX, 2015 for the amount of {$5500.00} all this money was withdrawal from my account I was overseas when withdrawals were made in my account without my authorization. I filed a claim with the bank institution which in this case is WellsFargo Bank NA and followed all gave all my supported papers staying that i was not in the country at the time of this transactions. I filed this claim on XXXX XXXX,2015 and this is the claim number with WellsFargo XXXX. I have done XXXX claims and went to the police and no answer just denial that my money was going to refunded to me this is unacceptable they have no answer for me according to them i have my card and is the same card use along with my pin when all this withdrawals made in US and I were in XXXX and denied my claim. I am requesting help to get my money back and answer from this institution that has been playing with me is impossible I could had been XXXX different countries at the same time using my bank card. I would like for you to step on. and maybe they will give you more answer and explanation more then they have evade me with bunch of excuses that not make sense. I am attaching all supported documents that were provided to the bank Institution.
Product: Credit card

In XXXX XXXX XXXX purchases were made on my credit card from an individual in Missouri. I was alerted by Chase of possible fraud and confirmed with them that I did not make those purchases. Shortly after, the person who stole my account information called into Chase to impersonate me and tell them that I was in Missouri and did make the purchases. They gave this person my personal information. I have filed several fraud alerts to Chase and they have done nothing since, insisting the fraudulent person is me. The charges remain on my account and are severely impacting my credit score. Chase has made no serious attempt to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several CERTIFIED letters to the 3 credit reporting agencies EXPERIAN, XXXX, AND XXXX TO REMOVE INACCURATE INFORMATION ON MY CREDIT REPORTS, I HAVE CERTIFIED RECIEPTS DATED AS FAR BACK AS XXXX FOR INACCURATE INFORMATION TO BE REMOVED FROM MY CREDIT REPORT SUCH DIFFERENT OF LAST ACTIVITY, DIFFERENT OF DATES REPORTED, ACCOUNTS SHOWING PAST DUE THAT ARE IN COLLECTIONS, STATE LIMITATIONS RAN OUT ON MANAGEMENT REPORT THEY WERE ALSO SENT A CERTIFIED LETTER AS WELL AS XXXX XXXX  ALSO REPORTING DIFFERENT DATES OF ACTIVITY AS WELL AS SEVERAL PHONE CALLS HAVE BEEN MADE PLEASE HELP THANK YOU
Product: Mortgage

In XXXX of XXXX, I decided to refinance my mortgage because it is an adjustable arm, and I want a fixed rate since my current mortgage payments continue to increase as rates rise. When my new potential lender asked for documents to secure the loan, I was able to submit all but my current mortgage statement from Select Portfolio, my current lender. On XX/XX/XXXX, I accessed Select Portfolio 's website to get a copy of my current statement only to discover that it was incorrect and was showing that I was 2 months behind on my mortgage payments. I immediately contacted Select Portfolio that same day and was told that 2 of my mortgage payments were applied incorrectly, and that the issue would be escalated to make the correction before the XXXX statement was available, and that the statement would reflect the correction. However, since then I have been receiving foreclosure notices and threats that my account is being referred to an attorney for possible action. Since XX/XX/XXXX, to XX/XX/XXXX, I have made over 20 calls and over 10 calls to Select Portfolio 's Ombudsman dept ( dept to call if your issues have not been resolved ), only to be told the same thing over and over again, " that the issue has been escalated and should be corrected by the next statement ''. Still, 3 statements later the correction has not been made. I have lost my 30-day interest lock in rate from the new lender, and my mortgage payments from current lender are scheduled to increase next month, XX/XX/XXXX. I am a retired senior citizen on a fixed income, and all I want is to for Select Portfolio to correct THEIR mistake so I can refinance my mortgage and have a payment that is affordable. It is very stressful waiting for Select Portfolio to correct their mistake, and I feel that it is unreasonable and unethical to take as long as they have to do so. It is as if they don't even care that my refinance is hold because of THEIR mistake. Please get this issue resolved soon.
Product: Vehicle loan or lease

On XX/XX/2021 I purchased a vehicle which was then financed through BBVA USA. I decided on XX/XX/2021 that I wanted to refinance this vehicle with a local credit union. The credit union needed my payoff information, such as account number, a 10-day payoff, address to send payoff, etc. When I called over to BBVA and answered numerous security questions, including : SSN, phone number, loan information, vehicle details, personal details, etc. they told me that the loan was too new and that they could not provide me with the payoff information. I tried to inquire as to how I would make payments without knowing my account number and they said that I would get statements, but that the account number would be truncated. I explained that I wanted to pay this loan off in full and wanted details for payoff. They would not provide this information. The banker assisting me with the refinance also helped. He was asking how I could get this information and they wanted me to send a copy of my social security card to BBVA. The banker at the credit union advised me that this was not safe and that he would not advise doing that. BBVA would not assist me in providing information for paying off my loan, which feels extremely deceptive as a consumer as I feel stuck paying an interest rate that is much higher than what I would be paying if I was able to refinance.
Product: Debt collection

Every time I go to the hospital I provide my Medicaid medical insurance card and pay a co-pay due for any services occurring on the day I see a doctor in full and up front before seeing a doctor. 

Providing Medicaid medical insurance plus paying a copay before seeing a doctor covers known services that are going to take place on the date of payment. 

Any additional cost after making a copay payment and presenting accepted medical insurance for a doctor visit is frivolous where the patient did not give consent to services that costed extra or have knowledge of there being any additional services that were provided after presenting medical insurance and making an agreed upon copy payment for all services occurring on the same day the copay was paid in full. 

Since I presented my Medicaid medical insurance and paid a copay in full before seeing my doctor, any additional costs that were added to that day 's visit after paying in full and up front are fraudulent and should be removed from my credit reports immediately.
Product: Payday loan, title loan, or personal loan

When we got a title loan on our vehicles, we were under the impression that it was the same process as it was when we resided in Georgia. Titlemax employee told us that is was a slight difference but did not tell us the difference. She scanned through the screens with a brief description of each page as she went through. Nothing was not discussed about us being charged for a daily interest. Our SUV was in the shop since XXXX and we just got it out on XX/XX/23. Due to that vehicle being in the shop, my husband was not able to work due to not being able to put work equipment into a car. Since then, we have been struggling financially. Our powers was cut off, our phones were suspended to where we couldnt make calls, and we had less than XXXX tank of gas to get me to my appointments. I have attached documents showing the dates and amount paid for repairs to our SUV. Please help us! I am XXXX and fighting for my XXXX and my husband is trying to get more work now our SUV is out of the shop. We have filed a previous complaint in which titlemax ignored our request for help on this matter. Titlemax is a crooked company and out to rob people when they are most vulnerable. PLEASE HELP US!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My information was stolen from Equifax during the Data Breach, along with numerous other breaches. I have tried to contact Equifax online, which is what they request, however, my disputes are being disregarded and my 605 ( b ) Fraud Block request is not being honored despite providing information that Equifax asks for in order to place the block. I am asking the CFPB to intervene and get inquiries removed along with a XXXX XXXX XXXX account ending in XXXX blocked. I have had a freeze in place for some time, yet somehow applications are getting through. I applied for a XXXX XXXX Credit card on XX/XX/XXXX ( shows as XXXX ), and that is the only inquiry that should be there. The rest are not mine. They must be removed as they are not part of any transaction I initiated. Documents are attached.
Product: Credit card or prepaid card

XX/XX/XXXX -Discovered that fraud on my acountXX/XX/XXXX - filled claim with Bank of America Claim was denied- BOA said to long before claim was initiated XX/XX/XXXX claim reopened XXXX?? XXXX claim denied by bank of America- excuse not enough evidence XXXX -claim reopened XXXX claim denied Claim # XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX DEBT XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNT XXXX  XXXX {$3300.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Placed a check from XXXX XXXX XXXX XXXX into a Chase ATM ( my bank ) on last Friday. Have talked with my employer and XXXX and the check has cleared since Monday. I went into a local branch and called the 1800 number chase provided but they say there is still a hold on the check. I am going to bounce my account if this isn't settled soon. 

Had an account with them 10 years.
Product: Checking or savings account

On XX/XX/year>2024 I lost my card and there were withdrawls made at an XXXX XXXX ATM as explained by the Venmo customer representative. The amount of {$1000.00} USD was lost that evening and I was not made aware until I checked the Venmo App the following morning, and I wasnt able to see the withdrawals on my transaction history. I notified Venmo that same day about the issue and they offered to help me at first. They took less than 3 days to provide a response only to place the blame on me for the loss. I proceeded to ask them for evidence for their claims against me and they stopped responding to the emails, claiming that my case is now closed and no further assistance or response will be given. The lack and poor performance of the customer service representatives over the phone an email was never helpful and unsupportive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XXXX XXXX XXXX XXXX Account Number XXXX CFPB COMPLAINT XXXX TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Product: Bank account or service

My savings account @ Suntrust Bank in XXXX XXXX, Georgia was compromised in the amount of {$2500.00} on XXXX XXXX, 2016. It was transferred to my checking account without my knowledge or consent. The bank said there was nothing they could do. I am a XXXX, XXXX & XXXX in Origin. I reported the Fraud to the Bank & the Suntrust Fraud Division, and it is allegedly under investigation. I took out a Police Report in XXXX, GA. The Bank is taking a passive attitude towards my plight, because I 've worked so hard to save that Emergency Savings, and to see it all gone, and the Bank does n't care. I behoove anyone, especially XXXX to not use Online Banking, because your accounts will be hacked online. I am a living witness.
Product: Debt collection

Was sued in Justice Court and received summons XX/XX/year>. Contacted and entered into settlement that was signed and returned to them XX/XX/year>. Also attempted to enter into hardship program and was sent notification XX/XX/year> of receipt of request and to provide proof. Contacted XX/XX/year> and was told my payment was returned XXXX it was never sent to my bank. Was told they have hardship information and will determine if I qualify. Was never contacted about possible returned payment by them or bank. Last day to file court response was XX/XX/year> which is same day I contacted them and was told the payment was returned. If I didnt file response they had my signature to claim full amount for failure to adhere to agreement. Feel they knew this and never submitted the payment in an effort to get full amount through judgment
Product: Mortgage

Applied for a loan through XXXX homes. I was told I needed {$3000.00} down for a VA loan for the home I was applying for. The housing devoleper says I 'll get extra money if I go with their lender Wells Fargo. I agree and start to fill out the paper work. Later find out that I did n't and was n't supposed to to put down {$3000.00}. I need {$0.00} down with the XXXX Next Wells Fargo has XXXX different loan applications open in my name. XXXX different numbers. I have to redo paper because of an " error ''. I saw on the new they were being sued and looked into it and made some phone calls and found out how scary bad they were and awful they could be to their customers. They call me about more paper work. A letter explaining why I save cash in a safe at home and borrowed money from my mother for convince to make a deposit on the house. They did n't like the way it sounded so they wanted me to lie and say it was a gift from my mother. Their reasoning, it would make it easier on them. I did not feel comfortable lying or frauding paper work to buy a house. They were persistent about it in my opinion. Being a XXXX veteran and having very limited income I feel like I was conned out of my savings. I also feel like they used me to make it look like there are more loan applications and then they wanted me to lie to hurry the paper work along.
Product: Debt collection

I never received any communication from the debt collector. National Credit Systems reported the debt on XX/XX/2022 and began negatively impacting my XXXX XXXX. 
Once aware I tried to log in to their portal to get more information ( using my SSN and the amount reported on the credit report ) and there was no additional information available for me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXX XXXX  # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.