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

On the morning of XX/XX/2021, my three bank cards and one store card were stolen from my handbag, which was in my locked car, and not visible from the outside, while I was parked at a nearby athletic club. Between XXXX a.m. and XXXX a.m. purchases were made on all three bank cards totaling approximately {$9500.00}. I discovered the theft at XXXX p.m. that same day, when I went to pay for groceries at a local market and realized my cards were missing. I immediately went home and called all three bank card issuers ; XXXX, XXXX, and HSBC. XXXX and XXXX immediately looked up my accounts, closed them, reversed the bogus charges, and issued me new cards ( the perpetrator ( s ) did not make purchases on the store card, but the store closed the account anyway and issued me a new card ). Most of the fraudulent charges were made on the HSBC card. That company is refusing to reverse one of the charges, to my local XXXX  store for {$1300.00}, arguing that because I bought a phone from that store on XX/XX/2021 for {$390.00}, it is proof that I do business with that merchant, and that means that I also made the {$1300.00} purchase myself. So, I went to XXXX on XX/XX/2021 to get a copy of the receipt of the purchase and discovered it was for gift card. I emailed the receipt and my explanation ( again ) in writing to the website that HSBC listed as the resource for filing a fraud claim. The result has been nothing from HSBC, only the continued allegation that I was the perpetrator ; several customer service reps actually asked me if I currently had the card in question, the card their own company discontinued at the time I reported its theft! They did reverse a bogus charge at XXXX XXXX ( for another gift card ), and I pointed out that I also do business at XXXX ( purchasing gas there for the last three years as well as shopping there at least once weekly ), so why did they reverse that fraudulent charge but not the XXXX charge? They have no answer, even after I continue to point out their illogic. I have spoken to numerous reps, including from customer service, the fraud unit, and the dispute unit, but no one calls me back, though they always say so-and-so will be in touch in the next several days. My latest statement now not only reflects the ongoing {$1300.00} bogus charge, but also interest on it, and my credit rating as listed in this statement has dropped from XXXX to XXXX. I will not call this company again, and I have made it clear for their records that I will never pay this fraudulent charge or the interest it accrues or the {$39.00} monthly late fee that will occur beginning this coming month, because I am the victim in this situation, not the perpetrator. I am eager to provide CFPB with documentation to support my claim, but there's a lot of it and would prefer to send it by mail, if that's possible. I thank you in advance for any guidance you may be able to offer in this very stressful matter.
Product: Credit reporting or other personal consumer reports

My family has received endless marketing emails from Experian after signing up to freeze our credit reports. I have no way of unsubscribing through an email link or from my account when logging in. I want them to stop sending me spam emails disguised as credit alerts that I need to them pay for. The latest marketing email I received was XX/XX/2023, & the companys automated email accounts do nothing when replying to unsubscribe. More needs to be done to reign in these overstepping credit companies. They are just too morally faulty to operate independently as they are.
Product: Debt collection

I paid off my " {$810.00} '' debt directly to XXXX XXXX XXXX in XX/XX/XXXX. {$810.00} is in quotations because that is what Fairway Capital is trying to receive and that was not actually the debt amount owed to XXXX XXXX. I called the company XXXX Fairway Capital Recovery XXXX in XX/XX/XXXX and informed them about the debt payment completion ( they were working on behalf of XXXX XXXX XXXX ) and to close my account. However, on XX/XX/XXXX, an update was sent to credit bureaus WRONGLY stating this debt as unpaid. They then informed me ( when I called on XX/XX/XXXX ) that they CHOSE not to follow up with my update from XX/XX/XXXX. Essentially, I told them the payment was made and they did not find it necessary to go and verify that information. I spent XX/XX/XXXX, XXXX, XXXX, and XXXX trying to get them to close the account and they kept claiming they would not do so as their liaison to XXXX XXXX had not informed them of the change. However, upon speaking with XXXX, I was told they have not given Fairway Capital recovery any directives to ignore my statements about completed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1900.00} on XXXX , XXXX from original creditor XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) We moved into Unit XXXX and shortly thereafter we saw that the apartment was being invaded by cockroaches and we also saw mouse or rat droppings scattered around the apartment. We immediately contacted the building manager to let them know what we were experiencing however, no action was taken. We also let the building manager know about an extremely noisy vent unit in the bathroom and the decaying ceiling in the bathroom. Several weeks had passed and no action was taken to fix any these issues. My son was having health issues due to the increasing deterioration of the Unit. I have attached several photographs to verify the location and Unit number of the apartment in question. Picture 1 shows XXXX XXXX sign and address ; picture 2 shows the deterioration of the bathroom ceiling and ceiling vent ; picture 3 shows the front door of Unit XXXX. Clearly you can see that the front door does not close properly because it is cracked and bent. Picture 4 shows the extremely poor condition of the exterior of Building XXXX ; Unit numbers XXXX. Picture 5 shows a larger view of the front of Building XXXX ; Unit numbers XXXX. Picture 6 shows the bathroom floor ; the cracked walls ; the gaping hole in the floor ; rotting drywall ; baseboards coming apart from the walls. This is where the cockroaches and other rodents may have been entering the apartment as well. After numerous attempts to get the building manager to fix the living conditions of both the interior and exterior of the apartment, we had no other choice but to vacate the premises. I have attached a copy of the letter from the City of XXXX dated XX/XX/2017 verifying we did report these issues and that the apartment manager had been informed of these issues, but that they did not fix the problems. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Please delete all this accounts, inquiries and incorrect information now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Case Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Debt collection

I have never opened the XXXX credit card account debtor is trying to collect XXXX. Contacted collector for validation and was only provided a statement. A statement does n't provide any information on how I owe this debt as I never opened the accounts. Accounts were opened in California where I have never resided.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the late payment marks on my credit report regarding the above-referenced account. The reporting of these delinquencies is not only inaccurate but also highly damaging to my financial standing. I demand the immediate removal of these negative marks under the Fair Credit Reporting Act ( FCRA ). 

It is clear that my account has been mismanaged in its reporting, and I will not tolerate the continued harm to my credit profile due to these errors. If these marks are not removed immediately, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

I expect a written confirmation of the removal within 15 days. Failure to comply will leave me no choice but to take further action. 

Sincerely, XXXX
Product: Vehicle loan or lease

I have called and asked for a deferred payment. The customer service rep allow me to pay my payment over the course of three months the way the first payment was set up. I paid the way did they told me to pay. I can provide the information from my bank that it was paid to them and the day that it was sent to them. There is no information that I paid them might. They can not provide me anything that I paid late
Product: Mortgage

mobile home contract ended XX/XX/XXXX after paying 20yrs. now Ditech greentree states after contract ended, i still owe 8 thousand some dollars. all monies have been paid every month even after bankruptcy in XX/XX/XXXX and had been paying my original amount of XXXX and they came back and took me to court saying i had not made my payments of XXXX made me pay an additional XXXX dollars to keep my home on top of monies paid monthly. some months they had never even sent statements and monthly payment was paid.the only way more money can be owed is if my monthly payment was manipulated into complete interest instead of applied to the principal.. i have tried talking to them in the past and i get treated like an XXXX. also i have been divorced from my x wife that i bought the mobile home with for many years. have sent them my divorce papers many times over the years. since XX/XX/XXXX they have been sending my monthly statements in my x wifes name. ditech greentree does what they want when they want with no altenative for the consumer that uses their service. they recently sent a statement of default cure. i actually have been paying monthly since my contract ended just so i dont lose my home, now they want 5000+ dollars in 20 days or they are taking it. i can pay this off when i get my income return with my current wife but we feel that we shouldnt have too because our contract ended. x wife is XXXX, XXXX XX/XX/XXXX in XXXX texas. can not obtain XXXX certificate.
Product: Checking or savings account

Wells Fargo is not recognizing my employer payroll deposits through XXXX as electronic payments and subjected my account to a monthly fee because my daily balance fell below {$500.00}. I spoke to Customer Service and they stated they do not recognize XXXX as an electronic deposit- they will only accept Direct Deposit bank to bank. I'm forced to have an account with Wells Fargo due to my mortgage and my employer. I've received several lawsuit payout checks over the years from Wells Fargo illegal practices. They continue to screw the customer with their arbitrary rules.
Product: Bank account or service

Overdraft fee of {$39.00} for a {$3.00} dollar difference on XXXX/XXXX/16.
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 confidentially under 15 U.S.C 1681. 

I told XXXX, XXXX, and Equifax to investigate these accounts XXXX XXXX  account # XXXX, and XXXX XXXX account # XXXX. However, they stated everything was accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC1681 1i ( 5 ), the are supposed to modify accounts that isn't responding correctly.

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 an account with 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 terms of information or any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1682s-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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' I have done what should be done - 90-day fraud alerts set up, checked my reports to see if it 's been used yet and it has n't - but, the fact that Equifax ADMITS IT HAD A VULNERABILITY ( IT KNEW ABOUT ) is absolute XXXX. They should have fixed it LONG before someone was able to find and use it. HUNDREDS OF THOUSANDS of people had their information read/stolen, and all anyone can do now is sit and wait and hope they were n't picked. I want them held accountable for their XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following credit bureaus : XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX in regards to their incorrect reporting with the following accounts 1. The following account is not mine. 
XXXX XXXX XXXX Account number : XXXX Please remove it from my credit 2. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 5. The following account is not mine XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 6. The following account is not mine XXXX XXXX XXXX  Reference Numbers XXXX XXXX XXXX I have asked them to remove them from my report and sent them a demand to remove in addition to the original request to remove these items. It has been over 30 days and they have not handled my updated report. I ask that you enforce the law and have them remove these from my credit report.
Product: Mortgage

My mortgage paymeny increased approx. {$600.00}. The mortgage company indicated that my escrow account did not have enough to cover property tax increase. 
I have spoke with several different mortgage reps. Its like a game of tag ( pass customer ) get them realy confuses or XXXX. 
I do not want to loose home to fore closure. A refinance counselor mentioned that I should ask if the mortgage would remove my Mortgage Insurance. He indicted that by the FHA guidlines a customer is requiredto make the payments for 5 years. Is there ant truth to that? I have been paying for over 5.5 years.. ( HELP )
Product: Debt collection

Since XX/XX/XXXX I have been receiving daily phone calls around XXXX CST every day from Midland Credit Management. They call from a different number every time. I have tried answering the call but it is silent when I pick up the phone. This is straight harassment. I have never received any notice from midland about a debt nor am I aware of any. For some reason these calls get through my XXXX spam protection. This has to stop. This is harassment and has to be illegal
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit shows a collections account for a service that I did authorize or sign for. I sent a certified letter to the collections agency asking them to provide me with any information about the debt because it is not mine. I sent this on XX/XX/XXXX. I have not yet heard anything back from them. I next sent a certified letter to both XXXX and Experian on XX/XX/XXXX with no response. I do not know what else to do. The debt is not mine. Please advise on what next steps I need to take.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; A XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$5700.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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 or other personal consumer reports

I received a copy of my credit report and I have found accounts are not reporting accurately. XXXX accounts that are reporting late were in fact paid on time. I need the consumer reporting agencies to report accurate information. I am requesting you to investigate these accounts thoroughly and accurately and update payments to paid on time immediately. 

List : XXXX XXXX XXXX, Account number : XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, Account number : XXXX, XX/XX/XXXX I have attached a copy of my report to this complaint. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I filed a complaint for fraud charges with BBVA in XX/XX/XXXX and they issued a credit for the fraud charges on XX/XX/XXXX but then reversed them in XXXX without letting me know why. I have never received a letter with explanation about the resolution of the fraudulent charges. I have been trying to contact BBVA for more than two months and the representatives disconnect the phone call or tell me that someone from escalation department would call me back and the complaint was still unresolved and this is going on for more than three months. I also had sent their customer service department many emails without any answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit score as reported by XXXXXXXX  on behalf of Transunion was XXXX. Today, my Transunion score dropped by 108 points to XXXX. The only reported change to my credit report was that a hard inquiry from two years ago had dropped off. There is no further explanation for the drop and hard inquiries being removed SHOULD reflect positively on the report. Transunion lacks transparency when reporting scores and with an over 100 point drop over night, you would assume they would provide explanation as to why the change occurred ... however, silence on Transunion 's end.