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

On XX/XX/2020, I reported a dispute to my credit card company for the amount of {$3300.00} at which time the credit card company MasterCard agreed to put my purchase in dispute due to faulty services. I waited the mandatory 20 days and began to call the credit card company to ask for updates on my dispute at which time they informed me that the dispute was still being investigated and continue to offer me call back services that were never performed by them. On XX/XX/XXXX I called the credit card company and ask for an update on my Dispute and found out the dispute have been cancelled per my request which was never authorized by me I asked for a recording of me canceling to dispute their credit card company failed to provide one and said it could not be located. At which time another representative put my dispute back into deep static and told me that they would follow up with me in a few days on the XXXX of XXXX I called to follow up on my dispute again only to find out that again somebody had canceled my dispute an authorized the charges without my permission. I asked again to hear the recording what's the credit card company could not provide I asked for a manager to call me and left a third message for the dispute Department to contact me. After not hearing anything I called today ( XX/XX/XXXX ) I called and spoke to a manager to inform me that she could not help me but she would escalate the case again and I would receive a call. This is the fourth time in a two months. It just casing escalated and today I have not received a call back for the credit card company and they continue cancel my dispute. The credit card company in question is Mastercard I have called them on multiple occasions and ask to speak to manager as an attempt to alleviate my concern to which I'm just told I will get a call back and never received one. I would like to escalate this issue to your department in an attempt to have this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Please tie this to my husbands complaint XXXX with your agency his name is XXXX XXXX XXXX XXXX XXXX was part of a 2012 foreclosure and should be removed they have retailiated and placed their account twice on my credit report and shown as open. I will file a complaint with the attorney generals officem Also there are XXXX hard inquries i teqieated to be removed or send me a copy of a signed application for each. 
A photo pf both issues attached.
Product: Credit reporting or other personal consumer reports

XX/XX/year> there was an inquiry from Capital One which I did not authorize nor recognized. 
Following I got an email from Capital One saying that my phone number was updated to my account -- I DONT have an account with capital one Following to that, I received another email that my account was set up as paperless -- Again, I DO NOT have an account with capital one Lastly I got an email that I was approved to a Savor One Capital One credit card for {$1000.00} that I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX  , I called  XXXX  to have my telephone ( land line ) disconnected. As can be seen in Exhibit #  1,  the charges for the next month were not due until  XXXX   XXXX ,   XXXX  . However, by  XXXX   XXXX , the line had not been disconnected and the charges became due. I had to call  XXXX  again to have the line disconnected.     The following month, I received a bil l ( Exhibit # 2 )  showing that my account was delinquent. I called  XXXX   ( one  of their countless, undertrained & incompetent representatives ) to complain that it was their negligence, not mine, that had caused this mistake. ( At the time of this call, the representative refused to let me speak to a supervisor when it became clear she did not know what she was talking about ). They refused to make any changes and I refused to pay the bill. In  XXXX , I received yet another bil l ( Exhibit # 3 ).      Also, later in  XXXX , I received a collection notice from  XXXX   XXXX   XXXX   XXXX   ( Exhibit # 4 ).  In response, I sent a let ter ( Exhibit # 5 )  explaining why  XXXX  was in error and that I refused to pay the bill.     There the matter rested until this month, when a routing credit check revealed that that  XXXX  had reported my account as a delinquency  ( Exhibit # 6 ). As a  result, my  credit score  has plummeted from  XXXX  ( in  XXXX ,   XXXX  , I purchased a new car and was told that my credit rating was " the gold standard ''  )  to  XXXX   ( Exhibit # 7 ) . This is a result of  XXXX  's vindictive pursuit of a debt I do not owe.     I would appreciate any assistance that could be provided in removing this stain from my credit rating.      XXXX   XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentialitXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentiality I closed the account below and was told it would be removed from my Credit report by someone in Customer Service , I contacted the Company ( Self/Leads Bank ) by mail and with no response also by phone with only being able to be connected to Customer Service Reps who don't speak proper English and seem not to understand my rights have been violated. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX U.S.C XXXX section XXXX ( A ). ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 6802 States ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) The consumer is given an explanation of how they can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights as a consumer. 
15 U.S.C.1681 Section 602 A. stated I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX my wallet and phone were stolen while in the process of moving. 
I had to quickly get another phone and reconnect everything on my end. 

Police wouldnt file a report because I left my car door open willingly. As stated Ive been in the process of moving. On XX/XX/XXXX there was a charge for over XXXX $ on my card from XXXX XXXX. I didnt notice anything and havent checked my statements until recently because I usually get notices through my phone when I have ANY type of transaction. 

I disputed the charge through chime over the weekend. On the XXXX. They DIDNT even investigate. It took them maybe a few hours and I got a notification that the dispute was closed on XX/XX/XXXX. They said XXXX on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. how? It literally took them no time to investigate anything. I tried Calling and they said I will need to wait another 30 days before I dispute again? 

So if we get things stolen and have any unauthorized charges we are XXXX? Awesome
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I sent Transunion a letter disputing multiple inquiries on my credit report that I did not authorize and that I have no knowledge about. ( please see attached letter # 1 ) I then received a letter from Transunion stating that the items that I was disputing was not on my Transunion credit report. ( please see attached letter # 2 ) I called Transunion on XX/XX/2017 and spoke with a supervisor named XXXX. She informed me that the inquiries were on my Transunion report. <P/>I am totally disappointed in Transunion for sending out false information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX reviewed my recent consumer report and there are inaccurate and unauthorized transactions and reporting on my file that need to be deleted and updated to PAID AS AGREED/ PAID IN FULL? CURRENT and all GOOD standing marks Only showing on my consumer file.

I see that there's late payments and negative reporting transaction showing on the credit file and I am in need of all the PROOF and EVIDENCE for the Creditors and the Consumer reporting agencies to furnish and report any of my information to any 3rd parties.

If they do not have my written permission to report, then, they MUST remove and update my credit report as I demand...

15 usc 1666b- No corporation can report and furnish any late payment for any reason without the consent of the consumer. PROVIDE PROOF PRIOR TO REPORTING ILLEGAL Information that is inaccurate. 

These corporations and consumer reporting agencies must delete the inaccurate information immediately XXXX, XXXX I have never been late... Never been late as this account is paid in full/ Current.

Mercedes Benz : I have NEVER been late and I need this account to be updated.

I also need a copy of the 1099c and the title as they are in breach of contract and breach of fiduciary duty. I sent IRS the 56 form, 3949a, 211 ... with a w4/ 1040v/ 1040/ Proof of fraudulent transaction and payment history. They owe me all the unearned interest payments for all the months that I overpaid since XXXX. 15 usc 1615 XXXX XXXX XXXX XXXX : I was NEVER late and I need this updated immediately. They also need to send me the 1099c, Processed Documents, warranty deed, and all the unearned interest payments that I have overpaid and that they are not paying Taxes on as this is proof of securities fraud. 

XXXX XXXX : I was Never Late. I need this account updated. 

XXXX : I was NEVER late and I need the account updated immediately
Product: Credit card or prepaid card

My XXXX account was hacked and someone ordered {$420.00} in charges without my permission. XXXX froze my account and never shipped those items. They reversed the charges see attached and serve will not give me my money. They denied my dispute 2 times. I have additional documentation from XXXX that these were unauthorized charges and serve at American Express will not give me my money. Please hrlp
Product: Checking or savings account

On XX/XX/year>, the Plaintiff deposited {$650.00} into a business checking account with US Bank. Prior to making this deposit, the Plaintiff confirmed with a US Bank supervisor that the account would be eligible for an account opening promotion, provided a minimum deposit of {$25000.00} was maintained for two months. Relying on this assurance, the Plaintiff, along with a third party, transferred a total of {$25000.00} into the account on XX/XX/XXXX and XX/XX/XXXX. 

Despite fulfilling the deposit requirement, by XX/XX/year>, the XXXX had not received the promotional account bonus. The XXXX contacted US Bank on that date and was informed by a representative that the bonus would be credited within 30 days, advising the Plaintiff to check back at the beginning of XXXX. 

On XX/XX/year>, the Plaintiff called US Bank again to check the status of the bonus, only to be told that they were not eligible for the promotion. Following this revelation, the Plaintiff withdrew the {$25000.00} deposit on the same day. 

On XX/XX/XXXX, the Plaintiff requested transcripts of all calls made to US Bank to corroborate the discussions and agreements regarding the promotion. However, US Bank refused to provide the requested transcripts, obstructing the Plaintiffs ability to substantiate the facts.

The Plaintiff asserts that all necessary actions to qualify for the account bonus were completed. Additionally, prior to taking any steps, the Plaintiff sought and obtained confirmation from US Bank regarding eligibility. If there were any eligibility issues, US Bank should have notified the Plaintiff during the initial inquiry on XX/XX/year>. The Plaintiff has been misled and denied essential documentation, further exacerbating the situation.
Product: Checking or savings account

Wells Fargo failed to properly safeguard and secure our business account as a customer, highly sensitive personal information during a data breach by one of its employees beginning in XXXX. Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. 

Wells Fargo states that it has completed a thorough investigation in this matter. On XX/XX/XXXX, This account is yet active awaiting a fair resolution while Wells Fargo announced a data breach that has raised significant concerns among its customers. We have presented to Wells Fargo via registered mail a Conditional Acceptance letter in which no response has been received other than an unrelated redundant letter received periodically since XXXX stating that it has address the customer breached issue that is completely false. Moreover, just 2 days ago Wells Fargo has reported a data breach due to unauthorized access by a former employee. Sensitive customer information was compromised, prompting immediate notifications. An issue that we have been fighting for and trying to get Wells Fargo to resolve and stop evading our issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below must come off of my credit reports immediately! They do not belong to me. I complained to each bureau, filed an FTC Complaint and I will be filing a lawsuit if these accounts are not removed from my credit profile! By law if the credit bureaus do not have copies of the original signed documents bearing my wet signature then they must remove the accounts from their rosters and cease reporting it because they are either knowingly or unknowingly supporting fraud. 

1 ) XXXX {$6800.00} XX/XX/XXXX 2 ) XXXX/XXXX  XXXX {$0.00} XX/XX/XXXX 3 ) XXXX   XXXX XXXX {$5300.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$130.00} XX/XX/XXXX 5 )  XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXX 6 ) XXXX {$210.00} XXXX 7 ) XXXX/XXXX {$540.00} 8 ) XXXX XXXX {$620.00} XX/XX/XXXX 8 ) XXXX   XXXX  XXXX {$1100.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with XXXX during that year, XXXX, it XXXX or not be related. The Equifax breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX : XXXX XXXX NA XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Equifax : XXXX/XXXX/XXXX XXXX XXXX BANK XXXX/XXXX/XXXX XXXX BANK XXXX, XXXX A I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these XXXX giant credit bureaus.
Product: Debt collection

Transunion " isn't properly investigating my credit report multiple errors that I've disputed several times to reinvestagate the errors I've described which is inaccurate reporting of open dates across all three reporting agencies, Trans union, XXXX, XXXX, also inconsistent reporting of " last dates of activity, last payment dates, and my 1099-c for credit acceptance all reporting dates are " inconsistent and I demand this account be deleted immediately and removed from my credit file for reporting inconsistent inaccurate information please delete
Product: Checking or savings account

We have had a money market account wih US Bank for years paying a very low percent, 0.005 % most recently They called this account a Platinum Money Market account..They recently introduced an Elite Money Market account paying around 3.4 % about 4-5 months ago. However, our account continued to pay the low rate while the new money market paid higher. We feel US Bank has/had an obligation to pay us the same rate as their new offering There should be no difference how money markets are handled and the yield they earn. Basically, they have an obligation to honor the new rate for our account. 

I contacted US Bank regarding this wih no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXXXXXX Balance Owed : {$0.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Paypal misled me into receiving a line of credit. I have used them as a money transfer service for years and when I signed in and had to update information I was sent through a series of steps that resulted in me getting a line of credit. I called them immediately and told them I did not want the line of credit and that I was put in a situation where going through the steps forced it. They said there was nothing they could do about it and I have to have the line of credit. It still goes unused.
Product: Mortgage

On XX/XX/XXXX my LTV ratio fell below 78 %. 

Per the Homeowners Protection Act of XX/XX/XXXX, loan servicers are required to cancel PMI automatically when LTV falls to 78 %. 

However, my lender is continuing to charge me monthly PMI. 

I spoke with the lender over the phone the week of XX/XX/XXXX to confirm PMI would automatically be cancelled and was told they would put in a request. 

I spoke to them again the week of XX/XX/XXXX and was told the request was being help up by " the bank ''. They said they would put in a rush request. 

I spoke to them a third time today, XX/XX/XXXX, and was told an appraisal would be required to drop the PMI. They confirmed my LTV is 77.1 %. 

The Homeowners Protection Act of XX/XX/XXXXis clear about PMI being automatically dropped at/below 78 %, but my lender is requiring an appraisal to do so. This does not seem right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that it is late. Balance is reporting {$920.00} and the balance is currently is {$580.00}. I dispute it multiple time with Equifax
Product: Mortgage

I would like to file a formal complaint against my current mortgage servicer, SPS ( Select Portfolio Servicing ) I am in the process of applying for a loan modification with SPS. Letter dated XXXX XXXX, 2016 ( attached ) indicates I have until XXXX/XXXX/16 to complete the application process. I received a 2nd Letter dated XXXX/XXXX/16 ( also attached ) indicating that my home is scheduled for Foreclosure on XXXX/XXXX/16. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -