23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My wallet was stolen in XX/XX/XXXX, with my SSN and State ID inside. Since then, Capital One has allowed XXXX fraudulent accounts to be opened, one in XXXX and one in XXXX. I have been in communication with XXXX who tells me to contact Capital One, and Capital One tells me something different each time, usually resulting in me not getting any new information or being told they can not do anything else. Most recently, on XX/XX/XXXX, Capital One told me that since the accounts were closed ( but not removed from my credit report ), they can not access any information about the investigation or where the correspondence is being sent. After this phone call, I called XXXX, who told me the address linked to the accounts had been flagged as fraud, but Capital One " verified '' them as my accounts.
Product: Checking or savings account

My personal checking account has been locked from completing any transfers to any external accounts. I have called the company four times to lift the hold on external transfer. Each time I was reassured that it would be resolved within 48 hours. It remains unresolved and my money is trapped within this account.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing this account. I've contacted the bank, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Transunion for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report even though the bank already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. 

XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am XXXX XXXX XXXX  XXXX. Ordered off line over phone a XXXX XXXX XXXX XXXX XXXX internet ad in XXXX XXXX Library read " Shooter Grade ''. Called XXXX and gave serial number. Was advised not to shoot XXXX XXXX XXXX recalled this XXXX, since had defective firing pin that could break and " slam fire '' and cause bodily injury. Logged out XXXX to local gunsmith for implied warrantee of merchantability or fitness. Filed dispute with Capital One pending. Spoke to store manager, wrote emails. XXXX. On XX/XX/XXXX received via certified mail a NOTICE OF BAN from different store manager of investigations and analytics to cease and desist from any form of communications with that retailer. Wrote to lawyer if my civil rights, ADA violated. ( 42-USC 1983 ). Called Capital One Mastercard today and agreed that card can be used on third party trandactions undet Regulation Z. Pay, charge ok Cap. One! Am XXXX and have registered XXXX XXXX XXXX. Please assit.
Product: Mortgage

Subject : Complaint Against Nationstar Mortgage ( Mr. Cooper ) Dear CFPB, I am writing to formally file a complaint against my mortgage company, Nationstar Mortgage, also known as Mr. Cooper. I have been experiencing significant issues with my mortgage payments and the company 's handling of my account. 
From XX/XX/year> to the present, my total monthly mortgage payment, including interest and escrow, has increased by {$900.00} and {$300.00} in the last 2 months. This dramatic increase has placed a substantial financial burden on my family of XXXX, making it extremely difficult to keep up with the payments. 
In an attempt to seek assistance, I contacted Nationstar Mortgage. To my dismay, I discovered that they had initiated a second mortgage loan process without my consent. Additionally, when I reached out for help, their primary solution was to push me towards refinancing without properly explaining the process or obtaining my agreement. 
After multiple frustrating calls, I finally spoke to a representative who was not attempting to sell me anything. This representative reviewed my account and informed me that they were unable to lower my mortgage payment. 
Given these circumstances, I am urgently requesting the CFPB 's intervention. I am seeking to extend the term of my mortgage to achieve a more manageable monthly payment of {$2800.00}, inclusive of interest and escrow. This adjustment would significantly alleviate the financial strain on my family and prevent us from defaulting on our mortgage obligations. 
I am committed to fulfilling my financial responsibilities, but the current situation is unsustainable. Your prompt assistance in addressing this matter with Nationstar Mortgage is greatly needed and appreciated. 
Thank you for your time and support.
Product: Credit reporting

While reviewing my credit report, I came upon a GA state tax lien that was placed on my credit report. I immediately contacted the state tax office in search of answers to why this was on my credit. I was told by a state representative over the phone after further investigation she was unaware why this XXXX was placed on my credit being that my taxes was paid and no collection was necessary. I then ask if they was able to remove the XXXX and was told that they had no way of doing so and that I had to contact the bureaus that was reporting it. She offered to send a letter stating that I owed no one and to withdraw & remove the XXXX. I then made contact to all XXXX credit bureaus with the information that was given to me by the state. Experian & Equifax was very helpful & removed the XXXX immediately. TransUnion has yet to do so stating that this record is accuracte. It is hurting my score & hindering me to obtain things with my credit. I further more do not this XXXX to represent me in anyway because this is inaccurate information and I should not have it on my credit. Attached is a screenshot of the GA state tax website regarding liens on credit and also proof that I do not owe any debts to the state.
Product: Mortgage

I have a VA home loan and my loan servicer has been Dovenmuehle Mortgage since XXXX of XX/XX/XXXX. Every month, I pay into an escrow account and they are supposed to pay my home insurance company. Dovenmuehle Mortgage did not pay my insurance premium and then bought insurance through their company at 3 times the rate. Every time I call to try to resolve this matter, I'm given the run around and nothing gets fixed.
Product: Credit card

I have a Lowe 's credit card, that I have used for home improvement supplies. I am satisfied with Lowe 's customer service. But who is Synchrony Bank?? My first payment was {$88.00}, which I never saw deducted from my bank account, but was posted on Lowe 's website. I had a message from Synchrony bank that my payment was " returned '', even though I did not write a check, and I did not see it on my bank statement until I went to the store to pay it. This month I paid my due amount on the due date but I do not see it on my bank statement, it was posted on Lowe 's website. I sent a message regarding this silliness. but have not heard back. I asked if I needed to verify my bank information, but have not heard back. After pressing 1, pressing 2, whatever, I did not get to talk to a human. I have a credit card at XXXX, and it apparently my payment was easily done. I tried to call Synchrony to ask where is my Lowe 's payment?, in the cyber vault? I am a XXXX veteran, with a functioning concept of duty, and I have an excellent credit rating. 
I am waiting for a response to my e-mail question. If I could, I would pay the whole thing at Lowe 's and shop there without a credit card. I am going to try to do that. I have no problem with Lowe 's, but Synchrony is too big to care and even respond. My bank is a local bank and has never disappointed me. They seem to care about their customers.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : ONLINE XXXX XXXX Account # XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX amount XXXXXXXX XXXX XXXX XXXX  Account # XXXX amount {$1000.00} XXXX XXXX  XXXX Account # XXXX amount XXXX
Product: Mortgage

MY HUSBAND AND I PAID THE AMOUNT OF {$38000.00} FOR OUR MORTGAGE PAY OFF WITH FIRST BANK OF PUERTO RICO ON XXXX XXXX. ACCORDING TO THE BYLAW THAT APPLY TO PUERTO RICAN BANKS, FIRST BANK IS SUPPOSED TO GIVE ME THE MORTGAGE NOTE SO I CAN CANCEL THE SAME. I HAVE CONTACT THIS BANK ON NUMEROUS OCCASIONS VIA EMAIL WITH NO RESULTS.
Product: Credit reporting or other personal consumer reports

I did an investigation into my credit and noticed that I was seeing some late payments in a XXXX XXXX XXXX account created in XXXX and closed in XX/XX/XXXX. 
investigate and prove proof of bank statements showing that these payments are late, if the proof can not be proven I demand that these payments be updated on time because I have not been late on this account
Product: Checking or savings account

I filed a dispute with chime concerning unauthorized charges and they are not following their own policy and have not provided any type of credit or compensation while claiming to investigate the case.i called XXXX times telling them I needed my money because I was homeless with XXXX XXXX girls and they continuously neglected and disregarded my situation.the initial dispute was denied within XXXX hrs and I had to file a rebuttal and still didnt receive any progress they hadnt even contacted the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor JPMCB CARD has violated my rights in 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an a account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Experian, XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax and noticed a collection that did not belong to me. The collector was XXXX XXXX and the original Creditor was progressive. I called proggressive and it was verrified by an agent that this collection was not mine. There is an accont with similar Information but not my account. I contacted the mixed accounts department with Equifax and they did not do anything about this matter. I had XXXX points deducted from my credit profile for an account and hard inquiry that do not belong to me.
Product: Credit card or prepaid card

On XX/XX/2021 My wife was doubled charged {$76.00}. 
The Merchant ran our credit card, but said the credit card machine wasnt working correctly so we paid the amount in cash. The merchant is in another country, so we are unable to get a hold of them.

We noticed a few days later that we were indeed charged on our credit card also. So In other words we were double billed.

We Disputed the charge with our capital one credit card and they are refusing to resolve this issues.

The merchant is fighting the charge and capital one is taking there side and unwilling to get our money back. I feel like we were ripped off.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy ofmy XXXX report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX to the Fair Reporting Act XXXX Account XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If XXXX has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I applied for credit to purchase a new AC unit for my house and was offered financing interest free for 12 months through service finance company llc XXXX XXXX XXXX XXXX Oh XXXX. 
Every month since then I have had difficulty paying my bill. It only arrives a few days before it is due, and while they say they have the ability to pay on the phone or online those options are not available. The web site has never worked, I am unable to even set up an account. And today when I went to the web site and got a phone number it was for a different company. I entered my account number and received a message saying they had no record of it ( which makes sense it being a different company ). Now my bill is 2 days from being due, and I am unable to pay. It seems the only reason to make it so hard to pay is that then I will have violated the terms and can then be charged interest and penalties.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( 15 U.S. Code 1666b ). After reviewing my credit report, I have found that certain late payment entries are either inaccurate or unverifiable. I request a thorough investigation into these entries and their removal if they are found to be incorrect or can not be verified. The account ( s ) in question is/are as follows : Creditor Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> XX/XX/year>, XX/XX/year>, XX/XX/year>. Under 15 U.S. Code 1666b, creditors are required to promptly credit payments to the consumers account on the date they are received or earlier if applicable. If the creditor failed to properly apply my payments or reported erroneous late payments, this constitutes a violation of federal law. Therefore, I kindly ask that you investigate these entries, as they may reflect incorrect information or improper billing practices. Additionally, in accordance with 15 U.S. Code 1681i of the Fair Credit Reporting Act, I request that your agency ensure the reported information is accurate, complete, and verifiable. If it is not, I ask that it be promptly removed from my credit report. Failure to correct inaccurate information within the legally mandated time frame could further violate my rights as a consumer under these federal statutes. Please provide written confirmation of any changes made and send me an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter, and I look forward to your response within the XXXX timeframe required by the FCRA.
Product: Credit reporting or other personal consumer reports

I have no ties to these creditors or their inquiries. I need them removed from my credit report right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 60 - 90 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 11 13 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

Atlantic Bay My loan care refuses to ever tell me the status of my Hurricane XXXX forbearance. We can not go into the XXXX due date with Atlantic Bay dragging their feet in doing the paperwork they are required to do by law. What is the status of the forbearance?
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW is the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open : XX/XX/2017 Balance : XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2017 Company : XXXX XXXX XXXX  Date : : XX/XX/2017 Company : XXXX XXXX Date : :XX/XX/2017