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

On XXXX ( XXXX in XXXX ) I placed an order from a store in XXXX online for about XXXX bt ( little more than {$300.00}. U.S. ). Filled out credit info and pushed the submit button a minute later my store informed me my purchase had been declined. I called my card company and was actually speaking to a rep 3 minutes later. I explained that I had indeed tried to make the purchase and she asked me my first /last name, DOB XXXX my card number and the 3 numbers on the back of the card. i was put on hold for a short time and when she got back to me she said, '' I'm sorry XXXX XXXX your card has been put on hold and you will need to speak with the fraud dept. when they open tomorrow morning. I called the fraud dept. at XXXX XXXX XXXX in XXXX XXXX and answered all the same??? 's to her. She told me I would need to upload govt. ID ie : driver license ( expired yrs ago as I have lived in XXXX XXXX XXXX, ss card and a few other but NO passport can be used. I'm sure she could have asked me many personal??? 's which I am sure they have right in front of them and only??? 's I would know the answers to. It would seem an easy resolution. In the past I have recieved e- mails from my card company about a purchase being legitiment or not. What happened this time?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two reports that were completed : one on on XX/XX/2022 and one on XX/XX/2022. After many phone calls and follow ups, the report completed on XX/XX/XXXX came back clear after 42 days. There is information in the second report that was not included in the initial report and goes a lot further than the 7 or 10 year history. It actually goes back 16 years which has never happened before when applying for a job. The report on XX/XX/XXXX is reporting old information, and that is what I am disputing. Even in the report itself it states 7 year history.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Checking or savings account

I deposited over {$1300.00} into my XXXX XXXX account. They then shut my account down and claimed I violated terms of service and seized all of my money. I never once violated any terms of service and lost all {$1300.00} I deposited into my account. I filed a dispute on XX/XX/XXXX. I found out yesterday XX/XX/year> almost a month and a half later that my dispute was denied. I provided evidence of communication between myself and XXXX  to my bank, Chime, and included documentation and evidence in my dispute showing clearly that XXXX XXXX shut down my account for no apparent reason while not being able to provide me a reason after asking over and over and kept all my money. Its a disgrace that it took over XXXX days to even get an answer let alone I am now out of over {$1300.00} dollars. Chime does not protect its customers and their hard earned money.
Product: Mortgage

I paid {$33000.00} down payment for a mortgage on a townhome in XXXX to NVR mortgage. My fiance purchased a unit two doors down. Last week after closing. I was told that me and my fiance were living in the same building and they wanted to make sure I wasn't going to rent out my townhome and delayed my closing. They assumed I was going to this even though we told them that this was going to be my primary residence. NVR mortgage wanted me to sign a motivation document that said I was not going to rent out the property because of this. I asked where other people told to sign this paper or was my fiance told to sign this paper. The answer was no. I did not sign the paper because it wasn't a required document. I have not been approved or denied my mortgage for the townhome that I tried to get as of today. My home today on XX/XX/XXXX was listed on XXXX as up for sale. I have still not been approved or denied from the lender. If I was denied I should have the right to go find other lenders as NVR was the preferred lender. I assume the lender told XXXX XXXX that I was not going to get the property and they could put it up for sale on XXXX. I feel like I have been discriminated against due to my marital status and black balled from getting the property due to the connection NVR and XXXX XXXX have.
Product: Credit reporting or other personal consumer reports

I went over my credit report I see there are 12 of inaccuracies. Among the 3 credit agencies which are a violation to the consumer ( me ) 15 usc 1681e. 15 U.S Code 1681n I will be taking legal action against XXXX, Equifax, XXXX. For reporting inaccuracies on my report. because of this I have been denied credit. Also my credit report has gone down drastically. This is DEFAMATION.

These accounts either have different amounts different names, Or some say they are closed, while they are still opened on another report. 
These are the accounts with the inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX Balance : {$230.00}
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my sustained dissatisfaction and frustration regarding the unresolved issue of fraudulent items persisting on my account despite multiple attempts on my part to address and rectify the situation. 

I have diligently pursued the correction of these entries through numerous attempts, as outlined below : Initiated contact with your customer service department to report and request the removal of fraudulent items from my account. 
Submitted a formal written complaint, providing detailed documentation and evidence supporting the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, providing any additional information requested and cooperating fully in the investigation process. 

Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I requested a credit increase with my credit card company and that request was initially accepted. A few months later, I requested an additional increase and it was denied solely because they limit increases to once every 6 months. My credit is impeccable - 30 years without a late payment. The reasoning for giving credit and credit increases should based upon the history of the account holder, not some arbitrary window of time. I believe that Capital One has implemented this policy as a means to lower credit scores and make more money on the higher interest rates. It is clear that credit scores are based upon available credit and low balances related to that available credit, aka credit limit. I have watched my scores closely over the years and while I have consistently maintained excellent credit, I see those scores lower when more available credit is used. If I can not raise the credit limit, I run the risk of having a lower credit score even if I pay off all my credit 100 % of the time. This is truly a credit industry scam. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solution XXXX XXXX XXXX  XXXX, PA XXXX Dear TransUnion I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name:XXXX  XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX 5. Account Name : XXXX Account Number : XXXX 6. Account Name : XXXX XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete these accounts immediately, unless you want to be held {$1000.00} per violation
Product: Credit card

I have 3 chase credits that all had automatic payments setup that's been consistent for a good year from the same institution ( hist9ry only goes back to early 2023 ). All 3 accounts automatic payments was changed without my knowledge and consent and without any notification to an old closed chase bank account. Due to this Issue I've not only had several late payments but also returned payments and fees that has caused me unessary financial harm but reputation harm because I've never had missed payments before and not to mention credit score harm.
Product: Credit reporting

I had XXXX of my accounts removed and inquiries removed at the beginning of XXXX 2015 without my consent. I see now that Equifax has did a mediocre investigation, while I do appreciate them adding my accounts back on, which are XXXX accounts on XXXX which were previously deleted because they were not mine, need be deleted and they also added about XXXX XXXX inquires which are not mine and must be deleted. If they took the time to look at my credit report as reported on XXXX XXXX, 2015 they would see my credit score was a XXXX and now has dropped to a XXXX, this is not acceptable and they must take the direct actions to remove accounts that were not on my record before as well as remove inquires which are not mine. I would also like them to open accounts which they have closed. My credit needs to be a XXXX or higher now and because of this it has dropped Equifax needs to fix this now. 

These accounts were XXXX : XXXX, Inquiries, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, I did not authorize these inquiries. 
My name is reporting wrong as well XXXX XXXX XXXX be XXXX XXXX XXXX of my accounts that were open are not stating they are closed. I would appreciate it if Equifax reported the open accounts. I have attached my credit report for their review from XXXX/XXXX/2015 before my accounts were removed. I would appreciate it if they could report the open accounts as they are in my report as it is from XXXX XXXX report in XXXX 2015. Also Remove the inquiries those are not my inquires and must be deleted. Thank you Equifax. These dysfunctional reporting cause my score to drop XXXX points and my credit score dropped because of whatever happened which was unauthorized. I need Equifax to fix my credit score and fix the accounts I attached my report on XXXX XXXX, 2015 and am reattaching it again XXXX XXXX, 2015 which is true and I will notarized and documents to prove my honesty. I need my credit report to report exactly as is or else Equifax is breaking the law to me as a consumer. I Demand them to fix this asap.
Product: Money transfer, virtual currency, or money service

My laptop was stolen from a XXXX on XXXX XXXX. On XXXX XXXX I realized that my bank login information which was saved in my laptop was used to do a wire transfer on XXXX XXXX for {$5000.00}. 
I called chased fraud department and they asked me to fill out the frogery packet and fax it. They also changed my username and password for security. The wire transfer made on XXXX XXXX wasn't authorized by me. After send frogery packet, they declined my claim saying that I didn't take enough measures to save my account. Although I did everything they asked me regarding to save my account information. My username and password was changed. Since I wasn't in United States they advised me that I should my account number once I am back in US. I should go to any Chase bank branch and change my account number, but this was after I am back in US. I have also filed police complaint about my stolen laptop.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

On XX/XX/2021, I received a email from XXXX  informing me PHH Mortgage have reported to the credit bureau XXXX, and XXXX  120 lates when they have knowledge I am impacted through the Disaster Impacted with the Covid 19 and working on a work out plan. 

I feel someone personal us retaliation against me and I would like my credit reporting agency report to be corrected. 

Under the American Rescue Act. Anyone impacted with the Disaster Covid 19 the Consumers Credit is not to be reported Late.
Product: Credit card or prepaid card

In XX/XX/2022 I paid off the card. I called to get the current balance and while on the phone, paid the stated balance off. Lane Bryant continues to charge me and I cant understand their customer service reps. Every month since payoff they add more money to balance. 

My payoff per their credit card phone system needs to be honored. 

It should not be this XXXX to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted multiple complaints all 3 credit bureaus in the last year and still no corrections. There multiple errors on late notices on my report, On XXXX of XXXX my report shows an on time payment followed by a 90 day late payment in XXXX and 120 late notice in XXXX. There are many months left XXXX in XXXX followed by 90 day late notices as well on my FICO report.
Product: Debt collection

I have been called XXXX times by the above company on XXXX different days. They left a voicemail with a claim number XXXX '. I am to call them back and quote this number. They have also called by fiancee 's parents in XXXX, DE and also my parents in XXXX, XXXX. I have researched the web and found many scam related incidents regarding this company and have been advised to file a complaint with you. Today, I answered the phone and the lady said that they were taking legal action against me from 'Alliance Online ' since I would n't pay {$500.00} on the phone today. Her last words to me were 'See you in court '. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX WASHINGTON, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Doesnt Experian collect, maintains, and safe guards my credit report information? Experian does not. XXXX XXXX XXXX XXXX ( XXXX ) unlawfully accessed my credit report in XX/XX/2017 which then led to a fraudulent loan. XXXX sent the attached incomplete, undated, and forged application as proof of permissible permission. Experian recently stated in one of many many of my complaints To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor.
Product: Checking or savings account

On XX/XX/year>, I was due for my direct deposit from my job. I usually get paid a day early but I did not get my funds deposited. I thought it was my payrolls mistake and check my checking account today XX/XX/year> and still had no deposit. I bank with Capital One 360 and the app showed that there was in issue with their system that they were working on getting resolved which has impacted XXXX  or more peoples direct deposits and account access altogether. I am desperately depending on my check as I live check to check unfortunately in todays economy. I am worried because all of this is happening the weekend before XXXX XXXX which as a XXXX  holiday, banks are closed this Monday. Please let me know if any other information is needed. I am truly disappointed with my experience.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some inaccuracies. The following items appear to be incorrect : XXXX XXXX XXXX - {$1300.00} PORTFOLIO RECOVERY ASSOCIATES - {$1300.00} PORTFOLIO RECOVERY ASSOCIATES - {$5600.00} XXXX XXXX - {$4400.00}
Product: Mortgage

1. DID WELLS FARGO FORECLOSE ON A SECOND.MORTGAGE? 
2. Was there a second mortgage on my property at XXXX XXXX? 
3. Was the Wells Fargo loan a second mortgage? 
4. Did this loan pay off the previous loan with XXXX - WITH Their MONEY? 
I Want the TRUTH IN LENDING DISCLOSURE SETTLEMENT STATEMENT and PAY HISTORY forwarded to the CFPB. 

5. DID THEY ( XXXX ) USE MY MONEY TO PAY OFF THE BUYER 'S MORTGAGE OF {$91000.00}? 
6. WHY WAS THE MODIFICATION DENIED BY FANNIE MAE? 
7. Were we paying PRIVATE mortgage insurance? 
8. Why did Wells Fargo return XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments? 
9. Why did Wells Fargo return our modification payments? 

WHY/HOW DID THEY FORECLOSE MY PROPERTY?
Product: Credit reporting

I spoke with the creditor once and told them that I was investigating this as I had received several different bills from this medical company. I asked for any documentation that they had to tell me of this bill. None was supplied. No terms of payment were supplied either. After I sorted through my information I was unable to tell if this bill was accurate. Then, it shows on my credit report several times for a total of {$650.00} on Transunion and XXXX reports. Please remove this from my report as I have paid it as of XX/XX/XXXX and will continue my investigation as to where it come from. I will expect a full refund if this is inaccurate.
Product: Credit card

Total compromise of credit cards, including criminal transactions, distortion of contact information, obtaining additional cards by the criminal with the complete connivance and inaction of Capital One bank
Product: Mortgage

My actual complaint was not an available option. 

My complaint is against Rushmore Loan Management Services because they refuse to initiate a funding fee repayment. 

My VA XXXX status was pending at the time we closed on the account ; however, I have now been recognized as XXXX by the VA and can now request that my VA funding fee be returned. 

The VA stated plainly that the mortgage company that holds my loan must initiate the repayment through the VA funding fee payment system and that nothing else would change about my loan and that I did not need to provide any documentation to the mortgage company. 

I initially spoke ( XX/XX/2018 ) with XXXX ( ID XXXX ) and later ( XX/XX/2018 ) XXXX ( ID XXXX ) and they are refusing to submit this request and are requesting my XXXX paperwork. 

Rushmore Loan Management purchased my VA loan but is completely ignorant of the VA loan, and is unwilling to assist me in this matter.