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

Hello, My capital one credit was was stolen from me, and when my card was stolen they used my capital one card for purchases which got approved. Due to those fraudulent purchases my capital one card went 30 days late. I right away called capital one when I noticed these and disputed those fraud transaction and they verified due to the fraudulent transaction they will remove the 30 day late they reported to XXXX XXXX and XXXX. Which they did remove. I have attached my XX/XX/XXXX credit report which you will see capital one removed the 30 day late they reported in XX/XX/XXXX and is showing the account as current for that month. After 3 months passed capital one reported the 30 day late back which I was in complete shock because that issue was resolved. I called them and they don't see the problem and I am having a hard time explaining the situation to them because everytime it is a new employee and they don't know what to do. I need this 30 day late removed from XXXX XXXX and XXXX reports because it is inaccurate and was due to fraud charges, and it is affecting my life. Below I have also attached my XX/XX/XXXX credit report which you will see the late is back and reporting on my credit. Please help me resolve this issue like it was originally. Thank you
Product: Debt collection

A co-worker and a male friend forwarded me a msg that was left on their work phone and cell phones stating that this was my final notice and that she needed my attorney to contact her by the end of the day. That is a form of harassment. The message came from XXXX, XXXX, the message was left by XXXX XXXX.
Product: Debt collection

I have sent multiple affidavits to let this company know, I don't owe them anything and that we have no contract together. 


Per the FCRA as a Federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given written unwritten, verbal and non-verbal. XXXX XXXX. Effective immediately and indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifazx and XXXX are reporting that my credit score is being impacted by the credit inquiries on my file. The inquiries were part of mortgage rate shopping when I was buying a home in XXXX XXXX. 

I called Equifax complaint line and the representative suggested that they can not do anything about it and that I need to wait until they fall of my report in XXXX / XXXX of XXXX. 

Its unfair that mortgage rate inquiries are reported to be impacting my credit score and staying on my file for 2 years and affecting my credit score negatively. This is detrimental to the dream of being a home owner.
Product: Credit card

I made the mistake by clicking on the wrong credit card company in my online banking. By mistake I sent them {$1500.00} which I am trying to get back. I have called numerous times gotten many different answers but I have not gotten my {$1500.00}.
Product: Debt collection

This charge was covered by insurance. The provider neglected to submit and verify the insurance coverage and has multiple providers ( contractors ) and operating entities from acquisitions. No follow up assistance from the provider. My deductible has been met for these charges and XXXX refuses to investigate other than validating the charge with the credit collection agency. Both the provider and the debt collector ignore request to validate the error from the provider.
Product: Debt collection

Per the FCRA as a federally protected consumer I have opted out from any and all authorization ( unwritten, written, verbal, non verbal ) as per 15 USC 6802-05. A 1099-C hasn't been furnished as this account has been reported as a charge off which consists as income for the creditor comenity Bank. This violates FDIC, FDCPA and UCC laws. Sharing my information with a non affiliates third party ( XXXX XXXX XXXX ) VIOLATES XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Reporter making unverified accusations of injurious derogatorily reporting and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the XXXX, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized Metro2 Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual abeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether! The company refuses to investigate nor eradicate the negative tradeline at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus Experian XXXX And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.
Product: Debt collection

On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX. As I always do when checking in I tell the person at the desk that I can only see doctors that are in network with my insurance. They had me on a stretcher in the hallway and a doctor walked up to me and introduced himself as XXXX XXXX. I asked if he was in network with my insurance, XXXX XXXX, he told me no so I refused to be seen by him. I called the number on the invoice that I received from his office and explained that he did not treat me as I had refused treatment. I assumed it was over and they had adjusted their records. About 7 months later I start receiving phone calls from XXXX debt XXXX. I attempted to explain the situation several different times and was greeted with condescending remarks and threats of jail. I was screamed at, cursed at, threatened and harassed repeatedly. To this day I still receive phone calls which I do not answer. This has caused me severe anxiety for which I have had to start seeing a XXXX and get put on medicine. I pray that you can do something to help me and to prevent them from mistreating other people in the future.
Product: Debt collection

I have been trying to get a house loan for about 4 years, but this collection account keeps showing, I have done all the steps necessary to pay back this debt, to the original creditor as well as the collection office, at this moment I'm requesting this collection to be deleted because of the fallowing reasons. 

I have made multiple attempts to pay it I have received no return phone call from them and the phone # s listed by Citibank and the XXXX for them hang up before anyone answers.
Product: Checking or savings account

I logged into my account this afternoon without any issues. I added funds and everything was fine. 3 hours later. I added funds again the I logged in and immediately was logged out and my card stopped working. I called and was met with a message asking me to email. I emailed and got a response from someone telling me my account was closed due to a zero balance for more than 120 days. I let the person know thats not possible cos as recently as today I was able to access my account and I would like my funds back because it was already in the account. The response I got was a completely hostile rejection. I was told my account will remain closed and any funds that was requested will be refunded with an explanation of what that means. I just want my funds back as its becoming obvious this was the wrong bank to do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to remove a Fraud Alert from my credit account..Ive called multiple times and keep getting told to verify information. Once the the information is given they refuse to remove the fraud alert ... This is completely unacceptable and is IDENTITY THEFT on the part of Transunion
Product: Mortgage

Since I travel a lot my bills including the mortgage payment to DiTech are on an automatic payment plan through the XXXX XXXX XXXX. As. A result I have never missed a mortgage payment. DiTech sold my loan to XXXX XXXX. Before I changed the payee to XXXX XXXX the XXXX payment was made to Ditect. Loan care has never received that payment and now consider that loan payment past due. 
I have contacted DiTech 4 times about this situation and XXXX XXXX three times. Both companies have been provided copies of bank statement showing there has been no missed payments. 
XXXX XXXX has told me They have no way to resolve this issue and I must deal only with DiTech. 
DiTech first told me to send the information to their customer service email address which I did. When I did not get a response I called back and the next representative said that email address is has not been checked in over a year and I would be sent a link to send the information to. That link never arrived. I called back again. This time I was given an address to send the information to. My certified letter got a response that I would have a Written response within 30 days. Their response was they are still looking into it. As I am writing this I have waited 31 minutes for a supervisor. I again was directed to customer service. 
Loan care has given me until XXXX for full payment. After that date the account will be considered delinquent charging me interest and affecting my credit. I have notes and documents on every attempt I have made to correct this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

In XXXX Freedom Mortgage sent me the annual escrow disclosure statement with wrong information and charges. On XXXX XXXX I sent them a request to try to fix the issue, I supported my request with XXXX XXXX of XXXX XXXX tax collector print out showing the correct amount due. On XXXX XXXX I received a letter from them indicating they received my written inquiry and that they will be reviewing the information and to give them 30 day to respond. On XXXX XXXX I received a letter from them indicating they are conducting further research and they need 15 more days where a written respond will be sent out by XXXX/XXXX/2016. ( It seems they failed to comply within the time frame they set ). 
On XXXX XXXX I did my regular monthly mortgage payment but I did n't include the unjustified new charges since it was under review since XXXXFreedom Mortgage refused to credit my account for this payment and they call me every day demanding the full amount they where requesting. I felt harassed, so I paid them the extra money they demanded and on XXXX/XXXX/2016 I sent them a request to cancel my escrow account since I have a conventional loan. On XXXX XXXX I received a letter from them indicating they received my request and they need 30 days to respond. During this process I was trying to get in touch with someone who can resolve this issue and kept receiving a promise that a manager will contact me, but never happen. 
Now XXXX payment is due and I do n't want to keep paying for someone 's mistake. As of now I want them to cancel the escrow account, I will be responsible for paying the tax and insurance on my account and refund me whatever they have in this escrow account. 
I really appreciate if you can help me resolve this issue with them. I could be reached at XXXX for any questions.
Product: Debt collection

Army & Air Force Exchange Service ( AAFES ), including XXXX XXXX XXXX ( XXXX ), I set up payment arrangements with AAFES and XXXX  ( the same entity ) and met my payment obligations. The debt was initially for USD XXXX, and I made payments totaling over USD XXXX ; additionally, my Federal Income Tax Refund for 2020 was garnished at USD XXXX. 

AAFES/XXXX alleges I still owe USD XXXX and has reported their error to all three credit reporting companies of XXXX, XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

My fiance sent me a cashapp of {$500.00} that got canceled later over an hour. I notify him of the problem. He decided to call the cashapp customer service number from the app.i received couple of calls later stating that my husband was on the cash app line and the needed to verify some information from me.i was asked to download some consumer support app on my phone where they can see all the transactions and also check my XXXX XXXX account to see if the money was in.i was spun around the bank app and was led to send out the XXXX .they give me their manager email XXXX on XXXX .they said they were trying to see why my account kept rejecting his payment. When I asked if the money was going to be refunded on his card that's where all the problems started. 
I was even told I should go to a XXXX and i asked to do what there? All the cash app customer service numbers we searched on XXXX is owned by XXXX scamers.ever person we spoke too was telling us the same thing to download the app on XXXX  or XXXX XXXX and later go to a store.
Product: Credit card

I applied for a rental home from XXXX XXXX XXXX. I was contacted by XXXX and she said that she would not rent to me because of my non-employment status and she did not consider my lawful verifiable source income to be reliable. I disputed the credit check charge with Capital One and on XXXX XXXX sent my complete application with my personal and private information to Capital One to reapply this charge. I meet all the requirements in order to be approved and XXXX XXXX XXXX discriminated against me as defined by fair housing act of XX/XX/XXXX. Capital One will reapply the charge within XXXX billing statements.
Product: Mortgage

I took out a $ XXXX mortgage on my apartment in XXXX, at 6 % interest ( XXXX XXXX XXXX  monthly payment ). Before Covid, I had never missed a payment. My mortgage balance was around $ XXXX. Due to Covid, I had to take advantage of the moratoriums and I ended up with about XXXX XXXXXXXX in past due payments. I do not have $ XXXX to satisfy these past due payments so I reached out to my mortgage lender, Banco Popular de Puerto Rico, and requested information on loss mitigation alternatives. The alternative they gave me was a loan modification with an increased interest rate ( 6.75 % ) and an extension of the loan term to 30 years. So, now the only option I have, other than foreclosure, is to pay {$1100.00} a month for the next 30 years, for a XXXX XXXXXXXX loan. I paid my loan on time for the last 15 years and now I have to start all over again, 30 more years, just to lower the monthly payment {$300.00}. I will be paying the mortgage lender about XXXX XXXXXXXX, in addition to the approximately $ XXXX I have already paid just to keep my apartment which they recently appraised at around $ XXXX. If this is not bad faith, I don't know what it. They have given me no choice but to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue I have encountered with a financial institution. Specifically, I believe that the institution has engaged in unfair and deceptive practices that have harmed me as a consumer. I would like to request your assistance in investigating and resolving this matter. 

The details of my complaint are as follows. Despite my attempts to resolve the issue with the institution, I have not received a satisfactory resolution. I believe that the institution has violated federal consumer protection laws and regulations, and I am seeking your help in holding them accountable. 

Thank you for your attention to this matter. I look forward to your response.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX we purchased a Solar Panel System thru XXXX XXXX XXXX which changed their name to XXXX XXXX for the amount of {$48000.00}. We were financed thru Sunlight Financial XXXX XXXX XXXX XXXX XXXX, SD XXXX. On XX/XX/XXXX XXXX XXXX closed their doors and went out of business, leaving me and thousands of other customers out to dry so to speak. XXXX XXXX used deceptive and unconscionable tactics in order to convince consumers to buy solar panel systems and performed shoddy and substandard work installing them, and sold me a system that I was promised to supply me with 95 % of my electrical consumption and only produces 50-60 %. I have tried to get some answers and resolution from Sunlight Financial, since XX/XX/XXXX I have called 3 times and they will not talk to us. I have also emailed them with no response. Please give me some guidance as we have a substantial loan and now XXXX XXXX is out of business which voided their contract with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021 Experian, XXXX, and XXXX took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted Experian, XXXX, and XXXX, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( XXXX ) ''.
Product: Bank account or service

In XX/XX/XXXX and XX/XX/2015, I ordered XXXX items using my Citizens Bank debit card. The first was from XXXX XXXX for {$910.00} and the second was from XXXX for {$130.00}. Both of these items are being refunded to my debit card. However, I closed my Citizens bank account ~ 2 weeks ago and thus can not access the original card nor the account to which the funds will be returned. 

At this point, I have confirmation that the {$910.00} refund has already been processed and a confirmation that the {$130.00} refund is in the works. 

When I spoke to both companies, both said the same thing - that banks have procedures in place for these instances and can cut me a check. However, when I called Citizens Bank, I was told that " It 's really difficult to get that money now '' and then bounced around from representative to representative for several hours. I am now on my 3rd call with them today ( As I am writing this, the call just passed 1 hour and 55 minutes on hold ). So far no one at Citizens has been able to tell me when / how the funds will be returned to me. Instead, they have simply bounced me around from department to department and disconnected the call multiple times. This seems more like a stall tactic than anything else.
Product: Credit card or prepaid card

I use Direct Express as a debit card program to receive my Social Security benefits. 

When I received my XXXX statement in early XXXX, I saw that there were numerous fraudulent charges, totalling around {$8600.00}! I immediately tried to contact Direct Express. It took 3 phone calls and a total about about 7 hours on hold to speak to XXXX, a Direct Express representative. 

She filed the claim for me, yet my account then showed additional fraudulent charges for XXXX, totalling another {$570.00}. 

At no time did DE contact me regarding these highly suspect charges made in XXXX, XXXX! Two of the charges were over {$2000.00} each! No text, email or phone call asking if these charges were mine. 

DE told me that they'd be sending a form to fill out regarding my claim. To date - 2 weeks later - I have received nothing. Right now, someone has {$9200.00} of my money.
Product: Debt collection

On XX/XX/2018 I contacted National Credit System located at XXXX XXXX XXXX XXXX, XXXX GA XXXX to advised them that had just manipulated my credit profile with all three reporting agencies XXXX, XXXX & XXXX by adding a collection debt of {$3200.00} that did not belong to me and they also changed my home address to reflect and address I have never lived at. I told them I have been a victim of Identify fraud and requested them to immediately remove this account from my credit file and send me the proof of indebtedness. 

Todate I have received no response. I called XXXX XXXX XXXX again on XX/XX/18 and spoke with a Mr XXXX XXXX who advised me to would send me a fraud package to complete via email and still todate I have not received anything. This company has not responded to my correspondant, emails or phones. This does not belong to me and should be removed. 

The National Credit System agency is violating Fair Credit Reporting Act. Please help me get validation and removal of the account from my report.