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

On XX/XX/2022, I received a message from Chase Fraud alert that someone had put a {$1400.00} purchase on my credit card account. They messaged me at XXXX AM and I responded immediately also at XXXX AM that it was not me. They took the charge off and I went back to my normal life, not thinking anything of it. On XX/XX/XXXX, they re-billed me for the money saying that it was a valid transaction. They said that the company XXXX XXXX ) which someone had purchased a XXXX XXXX for the above amount, with my name, email address, phone number, and a fraudulent email, had purchased the item. I told him that it was not my email account, and I never have been to that XXXX XXXX in years. I even told them that I responded right away to the issue, and filed an appeal. They as of XX/XX/2022 still denied my appeal and claimed it was a valid transaction. I have filed a police report about it in the past week, Ive contacted the merchant, and Ive talked with Chase fraud, and I received no help, they provided me no phone call or email or message until the XXXX letting me know what to do or how to pursue. They failed to disclose that the individual made XXXX purchases apparently, even though the text I got indicated they had DENIED the transaction. They have put the burden of me trying to prove my own innocence on me, and despite their claims of preventing/resolving fraud, are making me pay the {$1400.00} on my own for a purchase I never made!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the below letter to Capital One 's executive office on XX/XX/2020, and it appears they are refusing to comply. I am also paying a settlement of {$1700.00} to them and would appreciate Capital One removing all information from their system so I may apply for their products at a later time, should the need arise. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To whom it may concern : While checking my personal credit reports, which I acquired from XXXX, I noticed numerous inquiries made by your company. I am not in the market for Capital One credit or auto finance products, nor was I.

I did not authorize anyone employed by your company, or any subsidiaries of your company, to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry without permissible purpose attached to said inquiries. This is a serious breach of my
privacy rights.

The inquiries in question are on the following credit reports : XXXX  : Capital One Auto Finance, XX/XX/2020, Capital One Auto Finance, XX/XX/2020, Capital One Auto  Finance, XX/XX/2020 and Capital One Auto Finance, XX/XX/2020 | XXXX  : Capital One Auto Finance, XX/XX/2020, Capital One Auto  Finance, XX/XX/2020, Capital One Auto Finance, XX/XX/2020 and Capital One Auto Finance, XX/XX/2020 I request that you mail me a copy of my wet-inked signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. 

If you can not provide me with proof that I authorized you to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. 

Please send me a written confirmation that you have complied with my requests. 

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Mortgage

I was behind with my mortgage payments and applied for a modification. XXXX/PHH Mortgage XXXX offered a modification plan with a trial period. I never received the modification offer, but I made each of the 3 trial payments as scheduled. When I asked a acct specialist about the details of the modification, they responded by telling me I should have recieved it after I completed the trial payments, which I had not. The acct specialist also relayed to me that my other option was to get on a payment plan, which would require {$3000.00} down and an additional monthly payment of {$940.00} for 5mos, and my decision should be made by XX/XX/XXXX. I received the modification on Saturday XX/XX/XXXX. On Monday XX/XX/XXXX I called and spoke with agent ID XXXX  @ XXXX to inform the mortage company that I will not be accepting the modification because it would be adding over {$55000.00} to the end of my balloon payment at the end in XXXX. Instead, I decided to get on the repayment plan, and pay the down payment of {$3000.00} and the additional {$940.00} for 5mos. He was not able to set up the payment plan because they have the modification on my file. I called today XX/XX/XXXX and the acct specialist -agent ID XXXX  was still unable to set up the payment plan because the modification is still on the account, and said that underwritting has to remove the modification before the payment plan can be set up. I tried to make a {$4000.00} payment today ( XX/XX/XXXX ) via phone and online, and it will not allow me to make any type of payment. I am concern with my home being forclosed upon because of lack of assistance and delay in trying to set up this payment plan. It seems a bit supicious that I can't set up this payment plan which is one of the options available to me according to their acct specialist. I just want to enter into this payment plan and secure my home.
Product: Mortgage

Yesterday in finding that Bank of America had passed my loan servicing onto another company due to their incompetence, I sent not as much a complaint as statement but now I have formulated the basis of another complaint. Bank of America has consistently proven their incompetence and/or pure disregard for providing competent services so all of this should be of no surprise. 

The basis of the complaint is that Bank of America in passing this loan on has reported 1 ) an incorrect balance owed on the account and 2 ) an incorrect status. 

Incorrect status : I have now provided BoA twice my insurance information and that includes the documentation from last year and this year and twice they have ignored at least part of it. The 2nd time I provided this was just a few weeks ago and as with the 1st time, it 's documented with the CFPB as that 's how it was submitted. This should have cleared all past amounts owed, it should have lead to the entire account being 'reset ', all fees eliminated and come with an acknowledgement that Bank of America was wrong. Instead it appears they did nothing except report that the account is delinquent subsequently leading to all sorts of threats from the new servicer. That status of the account should be that all payments have been made and is up-to-date and I have the documentation to prove all requested documentation has been provided and all payments have been made. 

Incorrect balance : There are several issues that make the balance due incorrect. The first is related to the above status and Bank of America not making necessary and proper adjustments to the account once I sent for a second time the insurance information. 2 ) Bank of America has yet to justify fees it charged a couple years ago so that means they owe me I believe it was around {$120.00} plus interest now which should be an adjustment to the loan balance. 3 ) Bank of America for quite some time was incorrectly and perhaps even illegally mis-applying my payments. I was paying twice monthly but they were holding and posting the 'mid ' payment at the end of the month. That payment is intended to pay down the loan more quickly so they denied that opportunity and by holding the money claimed more interest and held my loan balance higher. All of that needs to be fully adjusted. 

Just to be clear, these are two totally new issues, Bank of America can not claim they have already addressed these issues and also can not claim they are no longer the servicer as the basis of the complaint is that they passed this mis-information onto the new servicer. The issues are the loan balance and the loan status.
Product: Checking or savings account

This bank doesnt care for my or my concerns Im XXXX XXXX XXXX and they give me a hard time their customer service refuses to speak to me and says my phone is not verifiable and always want me to go to a branch when I cant walk these people Dont care that Im XXXX and refuse to take care of my concerns over the phone they contact me and insist that I go to a branch to activate a debit card something unbelievable they give me a hard time even when they call me
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies on my credit report with Experian. Despite providing supporting evidence, Experian failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) and violated several of its obligations under the law. Specifically : Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 1681i ( a ) ) : Experian did not adequately address my dispute or verify the accuracy of the information reported.

Failure to Provide Relevant Information to Furnishers ( FCRA Section 1681i ( a ) ( 2 ) ) : Experian did not forward the supporting documents I submitted to the data furnisher.

Failure to Assure Maximum Possible Accuracy ( FCRA Section 1681e ( b ) ) : Experian failed to ensure the information on my credit report was accurate.

Failure to Provide Clear Dispute Results ( FCRA Section 1681i ( a ) ( 6 ) ) : The results letter I received was ambiguous, leaving me uncertain about the outcome of the dispute.

These actions are consistent with the allegations in the recent CFPB lawsuit against Experian ( XXXX XXXX. XXXX ). The lawsuit details systemic failures, including ignoring consumer-provided evidence, mischaracterizing disputes, and over-relying on furnishers ' responses without independent verification. These practices violate both the FCRA and the Consumer Financial Protection Act ( CFPA ). Experians actions have caused harm to my creditworthiness and financial stability.
Product: Bank account or service

I have a checking account with t d bank, put the money at the atm XXXX took the money posted on my pending checking account and then in my checking account. gave me the white slip and did not give me the money back. there was an error message but the atm still kept my money. I put the money in the t d bank in XXXX, nj and went there in person today and told them and called the XXXX number too. I still do not see my money back. I feel as though the bank stole my money. there should be no issue as to the money because it was put in my account posted and used for my rent. they took it without a word to me. I need it back into my account as I have bills to pay
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 at XXXXXXXX XXXX, I went to deposit cash into a US Bank ATM, heard the ATM counting my cash that I had deposited, it told me to take my card out and came out with a receipt saying A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the hover on the back of your card. I went into the US Bank that this ATM is located at ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ) and they told me theres nothing they could do as I dont have an account set up with them, even though Ive be able to deposit cash within the last 4 years there. They then told me to contact my bank, so I called my bank and they told me I had to call XXXX which is who my card is through, to file a financial dispute. I then got a call later in the day from XXXX telling me US Bank has the authority to look at the cameras and amount I put in at the time on my receipt, so they shouldve done more than just send me out their door. XXXX then asked how much the ATM stole from me ( {$420.00} ) then they said theyll get their dispute team together with my bank then send me an email later on to confirm the amount and send the email back to them after Ive confirmed, in hopes itll all work out.
Product: Debt collection

It is brought to my attention that I have a debt on my credit reports due to an ambulance service. I have never used an ambulance to be transported to a medical facility nor have I authorized anyone else on my behalf. I do not recognize this account for the dates that the collector is specifying I had services performed.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$800.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$24000.00} ; XXXX XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

After a review of the documentated comments and a statement that was sent to me from USAA on my previous complaint XXXX, I have this dispute according to my files back on XXXX XXXX @ XXXX I spoke to a young lady XXXX XXXX reference to a {$100.00} XXXX XXXX taken from my son 's card when she told me it was on overdraft charge I stated we did not want that card used for overdraft fee that it was my son 's emergency card and need for that purpose and his Dad 's name was on it as a co signer as he was trying to form some credit rating. Again after this conversation, another cash advance was taken for the same issue and I spoke to another representative XXXX about this, there is no way my husband could have approved using this card in this manner as he was out of state and did not have the card in his possession at that time. I feel that we are being taking advantage off and I'm sorry if someone didn't do there job on that end but how is that our fault when we spoke to someone twice concerning this. I want another complaint sent to USAA so we can get this cleared up. Have a great day
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW HARD INQUIRIES ON MY TRANSUNION CREDIT REPORT THAT I DO NOT RECOGNIZE : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/ @ XXXXXX/XX/XXXX pacific time I received an email from a 4 other party collection agency collecting on a same debt XXXX other companies are reporting and collecting affecting my credit reporting. 

Other companies include Misleading collecting on a multi collecting debt with 1 original company and 3 collection agencies. 
XXXXXX/XX/XXXXcredit card XXXX XXXX XXXX XXXX collection agency And 4th Halsted financial collection agency All 4 companies are collecting the same debt and multi reporting on my credit report. This is in violation. 
I request these debts to be deleted from credit reporting as soon as possible. 
I am a victim of my personal information being in a data breach exposing my personal information and identity to the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing now in hopes to receive your help. Currently I am working on reviewing my credit, paying down my balances, and pursuing better credit worthiness. You play a significant part in this process. I am inquiring about the account number referenced in this complaint.

I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/XXXX and XX/XX/2018 and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DATE OF BIRTH : XX/XX/XXXX XXXX XXXX EQUIFAX XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX TRACKING CERTIFIED # : XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau : XXXX, EQUIFAX, XXXX Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded.

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUALABOUT WHOM THE REPORT RELATES.

PLEASE SEE BELOW ATTACHMENT
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX The following personal information is incorrect Also Known As : XXXX XXXX XXXX UN-AUTORIZED INQUIRIES EQUIFAX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { DUPLICATE REPORTING } In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are obligated to verify these items with the respective creditor. Any information that can not be verified by the creditor should be deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Furthermore, I kindly request that you notify any party who has obtained my credit report in the past XXXX months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter.