23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your time in reading this complaint. 

I have maintained a XXXX XXXX account since XX/XX/XXXX. I have never had a missed payment. I experienced a hospitalization due to emergency XXXX at the beginning of XX/XX/XXXX and was out of the country for the last ten days of XX/XX/XXXX and the first six days of XX/XX/XXXX. 

XXXX maintains that I did not make an autopayment and this is showing as a 30-day late payment on my credit report. I had no knowledge of a missed payment as I received confirmation of each payment. I called XXXX on or about XX/XX/XXXX upon returning to the country when I went online to view my payment history and learned that autopayments had not been made even though my payment history on their online portal reflects that the payments were made ( Ex. 1 ). 

I made an online payment for {$340.00} on XX/XX/XXXX and XXXX sent me confirmation that the payment was made ( Ex. 2 ). I assumed that the payment was made and that I had no late payments but, unbeknownst to me, XXXX never actually debited my bank account even though they sent me the confirmation set forth in Ex. 2. I then made an additional payment on XX/XX/XXXX ( Ex. 3 ). 

I viewed my credit report on XX/XX/XXXX and learned that XXXX shows that I have a missed payment. This would never have happened had XXXX not sent me an email confirmation that the XX/XX/XXXX payment was made ( Ex. 2 ). I have signed up for paperless statements and expect to receive all notifications regarding my account through email or alerts on my account. I never received any email, account notification or regular mail alerting me that the fund were not actually withdrawn from my account. I relied on their email confirmation and assumed that the amount was paid this was not an autopayment, this was me proactively going online, entering bank account information and making a payment. 
I now have a missed payment on my credit report for the first time. This has caused my credit score to plummet by 60+ points overnight and will have drastic impacts on my life. I would never have experienced this had XXXX actually drawn down the funds they confirmed they drew. I relied on this confirmation, was never provided with notice that this was not true, and have suffered harm because of this. 

I have one simple request that XXXX have this late payment removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many errors published on my credit reports. Apart from my name being misspelled many different ways, there are also accounts on my report I have no recollection of. I have been sending validation request letters to all 3 bureaus ( XXXX XXXX and Equifax ) since XX/XX/2021 and have not yet received any responses thus far- some of which were certified letters. I have also sent letters on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. According to what I've read about the FCRA, I have the legal right to dispute any inaccurate information on my credit report and by law the bureaus are obliged to provide me with validation of the reported accounts in question or remove them from my reports. These negative accounts are affecting my chances of being approved for a mortgage in the near future. I have been working very hard as a XXXX  to save up and provide for my family and without good credit I am finding it difficult to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote Experian a letter, and mailed it onXX/XX/XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted.
XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transworld Systems, Inc ( Transworld ) can never provide a contract or written consent giving Transworld the authority to attempt to collect an alleged debt. This is a federal violation of the law and an infringement on my rights to privacy. On XX/XX/XXXX Transworld stating that the account would be closed and there will be no further communication. A trade line on my consumer report is a form of communication. The letter was false and misleading misrepresentation. We deny owing ANY AND ALL debts to Transworld because we never contracted with you. 

We spoke to XXXX XXXX ( XXXX XXXX on Monday XX/XX/XXXX regarding the accounts and she stated that Transworld has 3 accounts in their office. Two accounts with the same number XXXX and another account XXXX. XXXX also submitted another account number in their office which she stated quickly XXXX or similar. 

XXXX stated that she would immediately remove all trade lines, terminate any and all accounts in their office and delete any and all trade lines form any and all consumer reports. XXXX gave a number to reach her ( XXXX ) XXXX which she never answers or return calls. XXXX also stated that she would send a letter via XXXX mail stating the facts herein. 

We informed XXXX that the calls was being recorded even though living in Georgia.
Product: Debt collection

My name is XXXX XXXX XXXX. I live in XXXX XXXX, New York, a small suburban community in XXXX, near to XXXX XXXX. I fell into hard times. I lost my XXXX company business. XXXX played havac. Even starting the middle of 2019 my business collapsed ; employees working with me left ; I could not meet my obligations. As of now, I am living a hand to mouth living. There were two deaths in the family intensifying my family obligations. I am breathless. 
Added to my problems is a demand from a debtcollecting company, Foster and Garbus. 
They threatened me of garnishment. There is nothing to garnish. I am working as a part-time XXXX XXXX, just to maintain my family. Through my friend.XXXX XXXXXXXX, with my authorization I agreed to pay {$50.00} on a monthly bassis. There was correspondence but without positive response. 
Foster and Garbus obtained an Ex-parte judgement and sent summons. I responded with {$50.00} offer because I can not afford anything more. I am living a hand to mouth living. 
I attached certain documents for CFPB review.
Product: Mortgage

This is a complaint against Freedom Mortgage for unfair, inhuman, predatory business practices. 
I have a mortgage account with Freedom Mortgage, loan number XXXX. I have always been paying my mortgage well in advance. I have already paid my mortgage for XXXX and on XXXX XXXX I have decided to pay another {$8000.00} for XXXX, XXXX and partial XXXX XXXX see attached ). The {$8000.00} was transferred from my XXXX XXXX account on Monday, XXXX XXXX to Freedom Mortgage. 2 days later, on Wednesday XXXX XXXX, Freedom Mortgage tried to withdraw another {$8000.00} from my checking account making my account to be overdrawn. I have called Freedom Mortgage customer service and asked them stop trying to withdraw another {$8000.00} from my XXXX checking account as I have already paid the {$8000.00} I wanted to pay for XXXX, XXXX and partial XXXX. The Freedom Mortgage customer service representative assured me that I shouldnt worry, they are not going to try to withdraw the {$8000.00} again from my account, which I believed and left the matter. But on Friday, XXXX XXXX, when my salary came into my checking account, Freedom Mortgage did another withdrawal of {$8000.00} from my checking account, taking all my salary and living me with {$0.00} on my checking account. I have immediately called Freedom Mortgage, spoke with XXXX XXXX manager, who told me that the only way they can refund me {$8000.00} if I send an official proof of payment from XXXX printed on a letter headed paper. XXXX branches open at XXXX, so that morning ( XXXX XXXX ) I have immediately went to a XXXX branch in XXXX XXXX, spoke with Assistant Branch Manager XXXX XXXX, and asked for help. He told me that they usually dont issue such proof of payments, but he was kind enough to call Freedom Mortgage to sort out the problem. Freedom Mortgage kept him on the line for 2 hours, from XXXX XXXX till XXXX XXXX, after which he prepared me the proof of payment on letter headed paper Freedom Mortgage requested ( see attached ). From the branch I headed to my office to scan and email and fax this proof of payment to Freedom Mortgage, XXXX XXXX. Later that day, XXXX XXXX sent me an email claiming that Freedom Mortgage has refunded the {$8000.00} but until today, Saturday, XXXX XXXX, the money is not yet on my account. 
Freedom Mortgage has caused serious hardship to me and my family by taking all our money from our checking account and leaving us with nothing. We did not owe Freedom Mortgage, has always paid our mortgage in advance, so this was an act of unfair, inhuman and predatory business practice on behalf of Freedom Mortgage.  Kindly investigate this matter and take appropriate actions.
Product: Mortgage

I was in the process of refinancing my mortgage. The new mortgage company told me to stop all automatic withdrawals as they would advise me whether a payment would be needed to be made if the closing did not occur in time. I contacted M & T Bank to verify that there were no automatic payments set to occur. A payment was withdrawn any way. I spoke to a representative on the phone on XXXX XXXX who told me that the funds would be returned. They requested that verification that the funds had been withdrawn from my account be sent to them. I sent it the same day and received confirmation. From there nothing happened. I contacted M & T Bank again and was told that the verification was never submitted so the {$530.00} would be returned to me on XXXX XXXX. On XXXX XXXX, there was no return. I contacted them again and was told that the funds would be returned on XXXX XXXX. Again nothing was returned. On XXXX XXXX I was told that returning the funds would cause a delinquency which is not true as they did not apply the money to my payment but put it in a holding account labeled " unapplied funds '' and now would not be returned at all. I will have to wait until my new mortgage company paid off the loan. Only then would they mail a check in XXXX business days after the loan is paid off.
Product: Credit card

Someone tried to charge {$35.00} on my American Express credit card on XXXX/XXXX/2016. This same person has hacked into XXXX computers, changed my passwords and stalks me via computer and android cell phone. Places false website businesses about me using my email addresses which were hacked and are controlled by someone else.
Product: Mortgage

Wells Fargo employee XXXX, a Market Support Consultant violated my financial privacy when she provided account history for my home equity account to a third party and testified to the fact in open court without receiving consent from the account holder or acting on behalf of court subpoena. This occurrence took place XXXX XXXX, 2013 in the XXXX, Maryland. Room XXXX.
Product: Prepaid card

During the COVID-19 pandemic, I applied for Unemployed Insurance Benefits. My claim dates are from XX/XX/XXXX thru XX/XX/XXXX. Approximately {$25000.00} was approved and paid my XXXX to my prepaid debit card issued by Bank of America. I did not receive a card in the mail so I contacted Bank of America to request a replacement card. My request was denied due to my account being locked. I was referred to XXXX to resolve this issue. I attempted to contacted XXXX regarding this however, for several months I was not able to get in contact with anyone. I submitted requests thru " Ask XXXX '' with unclear and delayed responses. After weeks of no resolution, I would contact Bank of America again and would get referred back to XXXX. This continued for almost 1 year when FINALLY, I spoke to a representative at XXXX in XX/XX/XXXX who instructed me to login to my XXXX Online account and follow the prompts to verify my identity. Upon doing so, my claim would reopen and any available benefits that were previously suspended would be paid via check and sent to my address on file. On XX/XX/XXXX my documents were uploaded to the XXXX website and on XX/XX/XXXX and checks were issued on XX/XX/XXXX. In addition to this, XXXX stated they would contact Bank of America thru the proper division that is capable of making the request to unlock my prepaid card since I had a balance of {$25000.00} still remaining on my prepaid debit card. The process would take approximately 3 weeks to complete. I waited the 3 weeks before contacting Bank of America again. Once I did call for an update, Bank of America again referred me back to XXXX to get my card unlocked. It has now been several weeks with no resolution. On XX/XX/XXXX, I contacted XXXX and spoke with a Tier II representative and requested that they remain on the call with me while I contacted Bank of America on a 3-way conference call in efforts to resolve this matter. The representative agreed. Upon reaching Bank of Anerica I was transferred to the fraud department where I was asked to verify identity. The agent wanted to send a code to my mobile phone. I agreed however, was told that she was unable to complete the verification to that mobile number amd she requested another mobile phone to send another code. I gave her another number yet again, she was unable to complete the request. This happened with a email address I provided her as well. The representative then refused to speak with me. The XXXX representative informed her of his position and ID number from the XXXX. He informed her my card should be unlocked as my identity had been verified and several requests have been sent and ignored. Bank of America refused to unlock my card and then terminated the call
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One account and credit reporting was removed for authorized user XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by XXXXXXXX XXXX, Capital One and XXXX XXXX are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX  XXXX - Date Opened XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several credit cards who have run my credit several years after I either closed the or quit using there card. Also some credit card I possess periodically look at my credit which is not needed beause I am current on all my accounts. I feel that this is totally inappropriate. Some creditors are on my report who I have no business with at all. 

Closed/paid off Still active Never had/Old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX Capital One EIN/TAX ID : XXXX Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Formal Complaint Regarding Credit Card Denial Due to Past Account - Violation of FCRA Dear Sir/Madam, I am writing to formally express my concern and lodge a complaint regarding the recent denial of my credit card application with Capital One. The adverse action notice I received stated that my application was denied due to a past account with Capital One. I believe this decision may be in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all credit reporting must be accurate, current, and relevant to the applicant 's present creditworthiness. 

Details of the Denial : Date of Application : XX/XX/year> Reference Number : XXXX Violation of the Fair Credit Reporting Act ( FCRA ) : The FCRA, 15 U.S.C. 1681, requires that credit information used to make credit decisions must be accurate, fair, and up-to-date. Denying my credit card application solely based on a past account, without considering my current creditworthiness or verifying whether the information is still relevant, is not consistent with the principles of the FCRA. 

Moreover, the FCRA mandates that consumers have the right to dispute inaccurate or outdated information on their credit reports. If the denial was based on such information, I am requesting a re-evaluation of my application based on accurate and current data. 

Request for Action : I respectfully request that Capital One : Reconsider my credit card application in light of my current financial status and credit history. 
Provide a clear and detailed explanation of the specific reasons for the denial, as required by the FCRA. 
Ensure that all information used in making this decision is accurate, relevant, and up-to-date. 
Supporting Documentation : Enclosed with this letter are the following documents : A copy of the adverse action notice I received. 
A copy of my credit report, highlighting any information related to the past account mentioned in the denial. 
Please address this matter promptly. If I do not receive a satisfactory response, I may be compelled to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure my rights under the FCRA are protected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect XXXX XXXX {$830.00} XXXX XXXX XXXX {$700.00} XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXXXXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, WELLS FARGO XXXX Date Opened : XX/XX/2018 Balance : {$5800.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and I am requesting that the following accounts, which I did not authorize, be blocked and deleted from my credit report in accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3100.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and Unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX Unknown {$1400.00} XX/XX/year> XXXX XXXX XXXX Unknown {$490.00} XX/XX/year> XXXX XXXX XXXX Unknown {$330.00} XX/XX/year> XXXXXXXX XXXX XXXX  Unknown {$1300.00} XX/XX/year> XXXX XXXX XXXX Unknown {$790.00} XX/XX/year> NAMES NOT RECOGNIZED XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hi, I signed up for a promotional credit card with a zero percent promotional interest rate for a fixed period of months with no interest on purchases and balance transfers. As I reviewed my statements Citibank has been illegally charging me interest on the zero-interest card.
Product: Mortgage

This Complaint is about me selling my home. 
I have sold my home and got the payoff from the company. the first payoff was for XXXX k and change which was good until the 7th then I went to go get another one which was XXXX which was sent to title company and paid off. After the Loan was payoff they said there was missing balance and the new payoff being at XXXX. I have called to ask for the reasoning why and was transfered around to 5 departments that can not answer my question. Now I am left to pay off the XXXX k and change so that the title can be released as they are holding it XXXX without giving me where the exact balance due is and how my principle jumped up XXXX. This is not right and I really need help to figure this out as I also checked online reviews and this doesn't seem like this first time this has happend to a customer of this company called Amerihome mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inquiry on my credit report that i did not recognized with Equifax. the creditor was XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Equifax stated that they were not able to remove such information because the information was accurate. can you please assist with this matter