23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/year> My mortgage is with XXXX Mortgage out of XXXX XXXX. 
I owed approximately {$11000.00}. I sent {$11000.00} XXXX through my bill pay in late XX/XX/year>. I received a notice that my check was returned approximately XX/XX/XXXX. Payment is due by the XXXX. I was on vacation and realized that it was returned by XXXX mortgage company and if I didn't jump on this my payment would be late. I sent a check for {$2000.00} which is slightly higher than the required amount. They typically apply the difference to the principle. I also sent an additional {$9000.00} to have that applied to the principle and expected to then once that was applied deal with the small amount to pay off the mortgage. I have called many times to work through this with them and got a verity of answers. Both with there recorded messages and verbally. They did not apply the {$9000.00} to principle but only {$5100.00} to additional monthly payments and rest to escrow. 
I spoke to XXXX who was suppose to go back and rectify this and apply all {$9000.00} to principle and call me back after I sent in a signed document to have this done. He said he would take care of this and call me back. This was the XXXX and now it is the close of business the XXXX and have heard nothing. I can't believe the way this whole thing has been handled from the beginning. The errors that have occurred are all to their benefit. ( late payment if I had not caught it, extending the payments out several months rather than apply to principle, applying funds to escrow rather than principle. ) I had to wait a couple of days to report this because I needed time to cool down.
Product: Student loan

My student loans where included in my XXXX  XXXX bankruptcy in XX/XX/XXXX and were discharged in XXXX of XXXX but i am still being contacted to pay. i have made one payment but i should not be paying if these are discharged.
Product: Credit reporting or other personal consumer reports

I was given given multiple hard inquiries on my credit report without my consent.
Product: Debt collection

I have asked XXXX XXXX XXXX to not contact anyone else but myself at phone number XXXX multiple times, they keep calling people they think are related to me after I told them multiple times not to. They also have given me multiple different stories about amount owed and said they dont know what a validation notice is. They call multiple times in a row multiple times a day.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, hereby assert my rights as an individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed.

Furthermore, my credit card ( Social Security Card ), defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent. As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, TransUnion, and XXXX, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report, with a data breach has led me to file an identity theft report. 
I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 signed up for a business credit card with a promotional offer of 0 % APR on Balance Transfers for 18 months. The statements for my credit card ending in XXXX correctly show the 0 % APR, but the statements for the central billing account ending in XXXX are incorrectly charging me 26.99 % APR. 

I opened this card expressly to take advantage of this promotion on balance transfers and I read the terms of the offer very carefully. If, as the bank claims, the promotional APR for balance transfers was not part of the agreement I ended up signing, then at the very least their advertising is duplicitous. 

The top part of the marketing funnel all clearly state that the 0 % APR applies to balance transfers. If that aspect was removed somewhere in the application flow then it should have been clearly highlighted to me that I was not getting the offer that I started with. I would not have opened this card if I realized they had rescinded that part of the promotion. Here is a timeline of my actions XX/XX/year> - XXXX applied for the U.S. XXXX XXXX XXXX Credit Card - I clicked through to the application from a link on XXXX with a promotional offer of 18 months 0 % XXXX on Purchases and Balance transfers. The URL is : XXXX XXXX XXXXXXXX - I have screenshots of my browser history from XX/XX/XXXX as well as the XXXX XXXX site and the US Bank landing page that appears when clicking through on this promotional link from XXXX XXXX XXXX XXXX XXXXXX/XX/year> - I opened my paper statement ending on XX/XX/XXXX and discovered the incorrect interest charge. 
- I called Customer Service and reported the incorrect charge. 
- I was told by the phone agent that they had submitted an issue on my behalf and that I should expect to hear back within XXXX business days. 
- I did not hear back XX/XX/year> - I received the second billing statement with an incorrect interest charge. 
- I researched what my options for addressing the incorrect charges are since my attempt to resolve via Customer Service had not been effective. 
- I decided to follow the guidance of the Consumer Financial Protection Bureau and submit a formal dispute letter. 

XX/XX/year> - XXXX faxed my dispute letter to the fax number listed XXXX which I found on the US Bank website as the Fax number for Cardmember Service. 

XX/XX/year> - I chatted with a support agent to confirm if they had recieved my fax. They had no record of it and gave me a different fax number : XXXX. 
- I faxed my dispute letter to the new fax number : XX/XX/XXXX - I chatted with a support agent to confirm they had received my fax. They did. 
- They said the company was denying my request because the information I sent was a " generic offer '' and not the offer I actually received and that I would receive official notice in the mail in 10 days - Rather than waiting to receive that, I am immediately escalating this to CFPB.
Product: Debt collection

There are 3 companies attempting to collect a debt. These accounts were opened fraudulently, never received debt validation, nor a debt verification letter. 

XXXX XXXX XXXX Sentry Resource Collections XXXX XXXX
Product: Credit card or prepaid card

Capital One bank has locked my credit card account stating that I need to submit a SSA form. I was told I would have the matter resolved within 7-10 business days. I have submitted the documents via fax as well as through a secured link and have not received anyway feedback as far as resolving the matter. It is now going on almost two months my account has been locked causing me an extreme inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not Legal Validation & Re-ageing Debt I wrote Equifax regarding XXXX  ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. Equifax is refusing to remove an account that the original which is XXXX XXXX refusing to Validate. Equifax is in violation continuing to report. 

Also the debt was Re-Aged by Equifax by 2years which is a violation according to the FRCA. Debt should be reporting accurately with factual information.
Product: Checking or savings account

Presidents Office, Capital One Sir/madam By now I will have moved over $ XXXX in deposits to another bank, a bank who values me as a customer, and shows me the respect EVERY customer deserves. 
In XX/XX/year> I was issued a new Debit Card. From Day 1, the card did not work always declined when I try to use it. 

Since then : 1. I have visited a Cap One branch ( XXXX XXXX XXXXXXXX MA ), they were not able to help and directed me to the 1-800 service line 2. I have personally tried to activate the card XXXX XXXX. I called the service line multiple times they opened a ticket with the debit card team 4. 2 weeks have passed I started calling the service line, they tell me the debit card team has not worked the ticket yet 5. I have escalated to a manager twice, both times they tell me they have no ability to escalate the issue further, and no ability to resolve my problem 6. I called my local branch and spoke to an agent, who also said they are powerless to help 7. I have spent HOURS of my own time trying to resolve this. 
Now XX/XX/XXXX, I still have no access to my cash, and accounts and there has been no progress or communication from Cap One. 
Consider this : 1. A loyal customer with multiple accounts and over $ XXXX in deposits can not access their own money FOR MONTHS 2. That same customer has spent hours of their own time trying to get service and only gets DISRESPECTED by powerless staff, and no ability to escalate an urgent issue 3. Your own managers and front-line staff are POWERLESS TO HELP CUSTOMERS 4. Your debit card team has not worked an urgent issue, or communicated with the customer who can not access their own money FOR WEEKS 5. It is IMPOSSIBLE for a loyal customer to access a PERSON who has the ability to help them with a serious problem 6. Despite all the disrespect I have been shown, I still take time to write you this letter. 

As an experienced XXXX  and XXXX, your CULTURE, and your SYSTEMS are BROKEN. The XXXX is a cute concept but not if the cute people loitering in the lobby can actually help customers. While I have moved on from Cap One, I urge you to fix your broken systems and culture, for I can not imagine a bank President keeping their customers, or their job, for long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION2: IT ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One about an account ending in XXXX that did not belong to me but is reporting on my credit file. I was advised by the representative that the account would be removed from my credit report on XX/XX/15 when they did the reporting to the credit agencies. This account has not been removed from my credit report and it is impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Chex Systems Consumer Report ID:XXXX, are all fraudulent, unauthorized and not my credit inquiries : XXXX XXXX  XXXX XXXX  , XX/XX/2021, XXXX XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX , XX/XX/2021, XXXX XXXX  , XX/XX/2021, XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX  XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX , XX/XX/2021 , XXXX XXXX XXXX, XX/XX/2021 , XXXX XXXX, XX/XX/2021 , XXXX XXXX XXXX, XX/XX/2021 , XXXX XXXX, XX/XX/2021 , XXXX  XXXX XXXX XXXX , XXXX  XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX ,
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 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXXXX XXXX XXXX/ $ XXXX # XXXX XXXXXXXX XXXX XXXX/ $ XXXX XXXX # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of 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

Bullcity solutions purchase my personal information which is illegal as shown below by law.
Product: Mortgage

I received a harassing letter from the servicer regarding my home owner 's insurance and the renewal. They have the information on file and have even reviewed and approved the insurance. Despite this, they are threatening to use force placed insurance on our residence. Servicing of this loan was recently changed to this servicer and they should not send this type of letter. They should communicate with the prior servicer if there is any issue.
Product: Credit reporting or other personal consumer reports

I want all my information and companies I owe removed off my credit report within 30 days. The reason for this is because XXXX XXXX people information was exposed in a data breach with the credit bureaus and I'm not comfortable with my information being out there. The FCRA law says that they are supposed to protect our information in our credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Account # 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.
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card was locked with no notification, email or by mail which is against company policy.
Product: Debt collection

XXXX is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

My wallet was stolen and the cards were used to both make purchases and withdraw cash from accounts. The bank will not acknowledge that these were fraudulent charges nor provide documentation to support their erroneous position that these were verified transactions. A police report was filed and the bank was given copy of the report. 
These charges were in excess of {$90000.00} and were made in a 90 minute period at five different locations simultaneously. Well Fargo branch manager allowed a pin change to the account and now refuses to acknowledge the existence of fraud and refuses to share security footage of the transaction. Wells Fargo is not pursuing further investigation into the multiple transactions that tone place that day even when presented with all of the evidence.
Product: Vehicle loan or lease

On XX/XX/2018 I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect, and it's reporting on my credit report with multiple inaccuracies. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.
Product: Debt collection

On XX/XX/2021 I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX about a collection that they claim I owe them .. To the best of my knowledge I am unaware of this debt and I asked in my letter that I mailed to them certified XX/XX/2021 and i asked repeatedly in my letter for a request for validation and instead of honoring my request this company reported this unknown and unverified debt to the credit bureaus ( XXXX ).
Product: Debt collection

Upon reviewing my latest credit report, I identified multiple accounts that I believe were inaccurately added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had pulled hard inquiries without my permission XXXX  1.XXXX XXXX, XXXX and XXXX XXXX 1. XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported twice XXXX acct ending in XXXX. Account number 2 not being reported which ends in XXXX. Its showing as a closed account which is open.
Product: Checking or savings account

On XX/XX/21 XXXX around XXXX my wife and I went to the ATM at Fifth Third Bank to deposit my bonus check from my employer. I signed the check and wrote " pay to the order of " Them my wife signed it. ( Which is how the bank has told us to do it the past. I am not on the account. The transaction was complete the check was deposited and we waited for it to be available. The next day at XXXX still not available. So wife calls the bank and was told bank rejected check. Asked why was told payee not on account. Okay can we have the check back was told no .. that a legal copy of the check would be mailed to us. NEED OUT MONEY ASAP.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX bank # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section A. States I have the right to privacy.

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.