23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm to inform you of these rights... In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account number : XXXXXXXX XXXX, Account number : XXXXXXXX XXXX, Account XXXX, XXXXXXXX, Account XXXXXXXX XXXX Account XXXXXXXX XXXX  Account XXXX, XXXX XXXX XXXX XXXX, Account XXXXXXXX XXXX Account XXXX, Account XXXX, XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account XXXX, XXXX XXXX. These accounts has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an account without 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 items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) 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.

.

These inaccuracies are hindering me from obtaining new credit cards and the purchasing of my business vehicle to sustain work.
Product: Credit reporting

I have the inquires on the attachment that should be deleted from credit report. Did not authorize these inquiries. I have contacted these banks as well about this. Included emails stating not to go through all these banks for loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX  XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report recently dropped XXXX points. This was due to a supposed missed payment on a credit card. I wrote to the 3 reporting companies and told them I do not have a XXXX credit card. Equifax told me I needed to correct the issue with XXXX Bank. 

You will notice that I had a previous complaint with XXXX for issueing a card I did not ask for. Evidently, XXXX issued the card to someone else and they have rung up charges and made small payment, then stopped making payments. It has been impossible to get a person on the line at XXXX to discuss this. They keep asking for the account number, which I don't have as I never has the account. 

I never had this XXXX card. 

I was in the process of buying a house, and now my credit score is trashed. 

Credit rating companies should not be able to just pass this off that it is not their fault that the information is incorrect. Please help me.
Product: Payday loan, title loan, personal loan, or advance loan

I needed to get my car fixed and couldn't get a bank loan. Got approved with Today Cash for {$300.00} not realizing they charge an XXXX of XXXX I'm paying {$1000.00} in charges. That's XXXX x my loan amount. Should have read my loan agreement better.
Product: Credit card

I have recently come to the conclusion that I have been victimized by the work from home online business scam. Since the beginning of this year, I have been contacted by unsolicited telemarketing phone calls by companies offering profitable at home online business.It has been a mess. After I signed up with the first company it has been non stop, companies calling me and offering me online related services. I did not make any money. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services. I would like to dispute a charge with my Sears card ( CitiBank ) of {$2000.00} charged by XXXX on XX/XX/XXXX2016.
Product: Debt collection

I have filed an FTC identity theft report ( XXXX ) I am writing yet again to dispute the sharing of my personal information in regards to acct # XXXX with XXXX XXXX XXXX, a collection agency, which violates both your stated Privacy Policy and the Privacy Act of 1974 ( 5 U.S.C. 552a ). Based on Capital Ones  policy, XXXX does not qualify as an affiliate, business partner, marketing partner, or service provider, nor does it fit any of the specified contexts under which Capital One is authorized to share customer information. 
Capital One NA sold my personal information including my social security number to XXXX XXXX XXXX. I did not give Capital One NA consent to share my personal information with non-affiliates, which XXXX XXXX XXXX or any of XXXX parent companies or subsidiaries. I have tried to dispute this on my credit report since I have never done business with XXXX and do not understand why they have my personal information. This is when I learned that Capital One has sold my information to XXXX and now XXXX states they have the right to collect on this previously charged off acct. Capital One did not have my consent to provide XXXX any of my information so this is considered fraud! FTC identity theft report ( XXXX ) Capital Ones Privacy Policy explicitly outlines the contexts in which customer information may be shared, including : Affiliates : XXXX is not part of the Capital One family of companies. 
Business or Marketing Partners : XXXX does not provide products, services, or marketing efforts for XXXX XXXX customers. 
Service Providers : There is no indication that XXXX performs any business operations on your behalf. 
Other Third Parties : I did not provide consent or authorization for my information to be shared with XXXX 
Credit Bureaus and Government Entities : XXXX does not fall into these categories. 
The Privacy Act of 1974 is meant to protect personal information from being shared without proper authorization. By sharing my data with XXXXa company I have no relationship withCapital One appears to have violated both its own Privacy Policy and federal law. 
I request a full investigation into this matter and a written explanation detailing : The specific provision in your Privacy Policy or the Privacy Act that authorizes the sharing of my information with XXXX 
Any records of my consent or authorization for this disclosure. 
I expect this account to be deleted from my report Immediately in 4 business days as stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) in regard to identity theft! 
I have attached proof of identity.
Product: Money transfer, virtual currency, or money service

I opened an account with Square which is a popular payment processing company for small businesses. I had recently started a small sole proprietorship web development company and sent an invoice to my first client through stripe. The client then paid the invoice totaling XXXX XXXX I was told that my accounts transactions were on hold until I provided further information. I then provided every piece of information I possibly could about my business and submitted it to Square. They then a few hours later decided to deactivate my account and did not describe any reason for why the action was taken. I tried to get in contact with a support representative and the AI chat bot simply said that there was no further action I could take on the matter. The funds that my client had sent me are now apparently on hold for 90 days. I have requested a refund so that my client can have their money returned and I am still awaiting an answer as to wether or not that refund will be issued. There was nothing in the initial sign up for the service that claimed this could happen to me upon creating my first invoice. I feel like I have been robbed and this is very detrimental to my business as now I look like a fraud to my customer for not being able to accept their payment. All I want are answers as to why my account was deactivated and Square seems to have no such answer.
Product: Mortgage

XX/XX/XXXX I entered into the XXXX  mortgage protection with Chase Bank due to lost of employment. I was told I qualified for XXXX months of protection. 
XX/XX/XXXX Chase Bank sent me documents to modify my existing mortgage changing my loan to a XXXX year loan with 6.7 % interest rate. I refuse to sign as I'm not in agreement with these terms. I have an FHA loan and I should be eligible for other repayment options. I never submitted any income so the bank doesn't even know if I'm financially able to make the new proposed payments. 
They refuse to give me other options.
Product: Debt collection

Hello, Nation Wide Credit Co has made a fraudulent credit reporting on my credit report thereby damaging my credit score and access to credit. The accounts that were reported under my name to the credit bureaus do not belong to me. I have NO KNOWLEDGE NOR I HAVE EVER RECEIVED ANY SERVICES mentioned on the debt. I have attached three pictures of the debt accounts. These accounts were reported to credit bureaus on XX/XX/XXXX but the company did put negative remarks on my report going as far back as XXXX thereby immensely damaging my credit rating and score.
Product: Credit card

As a cardholder benefit for the Chase Sapphire Preferred credit card, Chase offers car rental insurance which can be used in the case of rental car damages. While renting a vehicle between XX/XX/2023 and XX/XX/2023 which was paid for using the Chase Sapphire Preferred card, the car suffered a flat tire and I had to pay directly for repairs. I called Chase card member services on the date the flat tire occurred, XX/XX/2023, and was informed that a flat tire would be covered by the credit card insurance. 

After submitting a claim through Chase 's claim service provider on XX/XX/2023, I was told I would be contacted within 5 days by a claims examiner ( see attached file ). I was never contacted. Approximately XXXX XXXX later, I checked the claim status on the provider 's website and it was listed as " PAID '' and showed a " check issue date '' of XX/XX/2023. However, I never received any check at my address, and a few weeks later the provider 's website listed my claim as " PEND '' instead of the previous " PAID '' status. 

I reached out through their internal message system on XX/XX/2023 to ask about the claim status, and received an email that the claim examiner " is making a review of this situation in order to proceed with the claim '' ( see attached file ). However, I did not receive any further information and no changes occurred to my claim. 

I reached out again on XX/XX/2023 to inquire about the claim status, and received an email stating " I'm sorry not sure what the hold up is. I will alert the examiner of this payment issue.You should receive an update on your claim from the assigned examiner once the information has been reviewed ''. 

As of today, XX/XX/2023, it has been more than XXXX weeks without any further contact or information about my claim, and no changes to my claim on the online portal. It has now been almost XXXX XXXX since my initial claim submission without any contact from a claims examiner or any issuance of my check. 

The cardholder benefits that Chase advertises, in this case rental car insurance, are clearly not being upheld by the company. While there is a system in place to submit claims, it is clear that the claims are not actually being processed or considered, and so the offer of " insurance '' is non-existent.
Product: Mortgage

OCWEN handles an escrow account to pay state property taxes in addition to my mortgage payments. On a regular basis, they collect more money than needed. In XXXX 2014 I decided to close my escrow account and called their customer service to learn how to do this. On the customer service 's advice, I wrote a letter requesting to close my escrow account. The letter was ignored. Since than, I called OCWEN 's customer service multiple times and sent them several more letters requesting to close my escrow account. The account is still not closed. Among excuses there were statements that the letters were not received or that it was too close to the date when the property tax is to be remitted to the state. I receive a written response only XXXX time after I sent OCWEN the letter by certified mail. In their response they refused closing my escrow account saying again that it was too close to the date when the property tax is to be remitted to the state and suggested that I send them yet another letter. The latter suggestion sounds senseless. Nothing prevents OCWEN from closing my escrow account after the property tax is paid. They already have several letters from me that clearly show my request to close my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have notified the companies XXXX, Transunion and XXXX of inaccurate information being reported on my credit report by the company XXXX. It is to my understanding this information should be removed from my credit report immediately.
Product: Credit card or prepaid card

Since XXXX of XXXX, I've received monthly charges on my credit card for a subscription with XXXX XXXX ( the " merchant '' ) that I don't recall ever signing up for. I've tried contacting the merchant, but they are unable to assist me because there is no record of an account or subscription under my name ( the only information I have is " XXXX '' next to each charge on my credit card statement ). The merchant advised that the only recourse I have is to initiate a billing dispute with my credit card bank, which is Citibank. 

I initiated a dispute with Citibank ( XXXX XXXX ) and lost ( notice received on XX/XX/XXXX ), where they referenced a generic terms & conditions letter that XXXX provided XXXX that I have to notify them to cancel. I called XXXX again, and they again said that my only option is to work with Citibank to dispute and stop the charges. 

To summarize, Citibank and XXXX are charging me {$38.00} every month with neither party providing any means to cancel or dispute. Each party refers me to the other for resolution. This appears to be an unfair an illegitimate business practice that is causing direct financial harm to me.
Product: Checking or savings account

I was trying to sell my desk on XXXX XXXX. This guy says he's interested and also asks for other household items I don't want that he could purchase from me. He ended up wanting a bluetooth speaker I had and we agreed on him to pay me {$170.00} for the desk and the speaker. He said that movers were going to pick the stuff up from my place, and he sent me a check that I would use mobile deposit through KeyBank for. He sent me {$990.00} - {$170.00} of which was for me, {$820.00} was meant for me to pay to the movers. I would XXXX a XXXX XXXX through my KeyBank app once the check cleared and the money was in my account. I completed this payment of XXXX over XXXX days, on XXXX {$500.00} ( because that was the limit which I could XXXX in XXXX day ), and {$320.00} on XX/XX/10. My account is currently - {$310.00} in available balance and the check, though it initially was cleared, was being returned to me. I spoke with the bank via chat and subsequently over the phone, and the XXXX support team advised I go to the authorities with this information ( as they told me I can not receive fraud forgiveness or a refund from XXXX ). Please advise on what I can do to help this! I hope you have a good day, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion are reporting incorrectly a late payment for XXXX, 2019 on the XXXX - partial account number XXXX ( please see page 4 of the attached credit report. ) We were going to try to start automatic bill pay however the first time we tried to use the bill pay the payment didnt take go through that first month so we went back to manually paying this bill. I thought for sure that the original payment would have gone through in time however it did not. We got worried and paid it again. By this time it was too late and we were reported late in XXXX, 2019. This inaccurate reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX complaint against XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX complaint against Keybank XXXX I made several complaints against Keybank to CFPB XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I had a checking and savings bank account with Laurel road bank. It's Keybank during XX/XX/XXXX. Due to my check being on hold and direct deposit, they threatened to close my account. Not only this unfair and unreasonable bank held my money for weeks but now but later closed my account. In XX/XX/XXXX I got this letter from Keybank stating that they had charged {$20.00} overdraft fees into my account even when they were closing my account. At the time of closing my account and stealing my money, Keybank threatened that they will put negative remark on my history. When I tried to open a bank account at XXXX, account was opened and then XXXX closed it. When i called XXXX on XXXX XX/XX/XXXX, I was told that due to remarks by Keybank, they are going to close my account. Due to this early closure- I am missing {$300.00} cash back bonus. 
In their XXXX XX/XX/XXXX letter XXXX mentioned that : Please be advised that we may furnish negative information to a consumer reporting agency, including but not limited to, your account being closed I want strict most action action against Keybank. They stole my {$20.00} and then on top of it, made my report negative that i can not open any other new account. Keybank never gave me opportunity to fix the issue. Keybank took some unilateral decisions against me and now causing harm in future also. If I don't have bank account ( due to negative remarks from Keybank ) -I can not do any job. Will keybank pay for all my damages. I want immediate damage control by Keybank and pay for my damages ( {$20.00} overdraft and {$300.00} promotional offer of XXXX ). Keybank can not send me in circles and ask me to reach out to XXXX. 

Keybank messed up with my credit profile and provided the information to early warning system that there has been an identity fraud in my account on XX/XX/XXXX Keybank Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Both Keybank and XXXXXXXX XXXX XXXX are playing games with me and sending me in full circles. I am falsely being accused of having " Checking account fraud '' and that remark had been put on my credit profile. As a result, I can not open the bank accounts. 
If I reach out to XXXXXXXX XXXX, then KeyBank simply says go to the XXXX XXXX XXXX. If I reach out to the XXXX XXXX XXXX then the XXXX XXXX XXXX says go to KeyBank. This is ridiculous and I am sent in circles. 
I sent an email and both are being CCed here and they need to fix this mistake. 

If I don't have a bank account, I can not have direct deposit and that impacts my ability to get a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed this same complaint multiple times. It does belong to them. 


This company promised me that if I paid off a debt that my score would increase by at least XXXX points it did not when I paid off this debt a debt which was not mine a debt which no one could prove to me was mine legitimately no 1 could send me paperwork no 1 could do anything to prove that this was my get yet I paid it off because I was promised an increase in my score by at least XXXX points I watched a man get XXXX XXXX XXXX XXXX XXXX XXXX I'm trying to get out of this neighborhood I'm trying to buy a house that is why I paid off the debt so I could get the increase of the XXXX points They have not done what they said they were going to do I want them held accountable Only positive things have occurred on my credit report in the last 5 years and my score only goes down my Income to debt ratio is 7 % there are no collections there are no new hard inquiries almost everyone 's about to fall off my installment loan is up-to-date this is insane I am being targeted I want being targeted I want them to do what they said they were going to do. I You've talked to text so sorry you might need to decipher some of this because this is like the 5th year that I've been doing this with you guys so I'm tired of checking for typos for you
Product: Mortgage

Account had been in forbearance ( covid 19 ) and finally ended in XXXX. I then continued to make payment on my mortgage and in this time kept requesting resolution. We received paperwork but local bank notary advised us it was not legal in CT. After many calls still no resolution and all this time I have just kept paying the loan. Fast forward and on XX/XX/XXXX the company reported me 120+ days late on my mortgage but account says current? This dropped my credit score down over XXXX pts making it impossible to bounce back. I have contacted all 3 bureaus and mortgage company and they will not acknowledge it or escalate my claim that this is incorrect reporting information. Any help would be greatly appreciated.
Product: Mortgage

XXXX sold loan to Specialized Loan Service back in XX/XX/XXXX. Payments were set up to be transferred from our bank to them. Beginning XX/XX/XXXX, they took the automatic payments and then returned them to the bank without reason ( I have all confirmation numbers from the bank. ) I did not request this change and was not notified that a change had been made by Specialized loan servicing. There were funds in the account. I started sending paper checks but they were not applied. I can prove I made XXXX payments-but only XXXX look like they were reported to the credit bureau XXXX I forwarded proof to Specialized Loan Service-but they never corrected. They have sent " history '' but there are up to XXXX different entries on any XXXX payment and none of it makes any sense. Then it got legal. I sent letters to XXXX different branches of the same law firm-but nothing was fixed. Then they started returning my payments saying they were not enough. When the balance was transferred from XXXX to Specialized loan, the balance was {$78000.00} with excess in escrow of {$300000.00} according to XXXX 's closing statement dated XX/XX/XXXX. My first statement from Specialized Loan indicated that out of each monthly payment, {$360.00} would go to principal, {$400.00} would go to interest and {$39.00} would go to escrow. I have made payments in the amount of {$28000.00} and they claim I owe over {$36000.00} to bring the account current. I have sent letters ( with tracking numbers to prove receipt ). They also say we " borrowed '' $ XXXX but they have ignored my requests to see this additional paperwork. I can provide copies of all the documents, payments, correspondence. It simply makes no sense and now they are planning on selling my house to highest bidder on XX/XX/XXXX. I have tried over and over, even offering to send a large certified check to cover the payments THEY rejected. I am simply beside myself. Can you please stop the sale. The numbers simply don't add up. Please help me. Thank You.