23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021 I deposited a check issued by the Department of Industrial Relations stamped and sealed with The Great Seal Of The United States of California and State of California XXXX MA CPA Treasurer to my account mentioned herewithin Capital One 360 Checking account. Upon successful signing over, submitting photo copies of front and back with proper endorsement to the receiving bank, Capital One 360 Checking account, the account was temporarily adjusted with two installments of {$1000.00} ( pending ) and {$4000.00} ( pending ) with a deposit {$5000.00}. I, XXXX XXXX, later received a email notice that since the check was received after their processing time on Eastern Standard time, the check will be processed the following business day which is why the account now reflects XX/XX/2021 instead of XX/XX/2021. Still to this date and forward, the check has not been issued. This account that has been mentioned herewith is not a newer account less than 30 days but almost a year old. No suspicious activity has never occurred on this account whatsoever nor have I ever made any negative balances that would ring the additional provisioning. Attached hereto you will see Exhibit A, B, and C of Screen shots of the pending transactions. After communicating on the Phone with them directly and even requesting them to no longer process the check which they happily declined as well, I was told that by it being submitted digitally, they supercede the Federal Laws on availability of funds. 
" Banks can delay the availability of funds on Treasury checks when people deposit them into accounts less than 30 days old, or into accounts not owned by the payee. Proceeds from large dollar checks are split, with the first {$5000.00} not subject to delay. But balances in excess of that are held for up to seven business days. '' Again, what seems to be the problem?
Product: Vehicle loan or lease

XX/XX/XXXX I spoke with the manager to inform them the car engine was down I called them to let them know where to get the car they called the lot spoke on an amount they called two weeks later the amount went up the loan company never called the mechanic back the manger informed me itll be a repo on my name at bhfc I agreed I was not making any payments any longer on a non working vehicle I have that in email its 5 months later they still have a loan open on my name its illegal I have not paid them I have called them numerous of times the manger told me today Im not putting a repo on your name so you can get a new car on XXXX bhfc financial is the loan company! No payments have been made they never did a repo .I have emails on XX/XX/2022 in writing as well I emailed them about this vehicle.
Product: Mortgage

Hello, I applied for a HELOC with Navy Federal Credit Union. I have been in my home for 14years current on my mortgage. my credit is a XXXX XXXX I have been employed with the same company for over 14 years. I was denied the HELOC loan and was never told why I have equity in my house. But I was approved for refinance with a higher interest rate than wht I have now. I don't want to refinance
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been receiving text messages from a strange phone number stating that I owe money to Spectrum/Charter. I have handled these false allegations with XXXX and with XXXX. When I originally signed up for spectrum, I was receiving their services at my apartment complex for over 3 years. XXXX was then automatically shut off. I reached out to XXXX and was told that My apartment complex had turned off all Internet and cable service with XXXX XXXX  because the contract was not renewed. I was a little upset that I was not advised of the changes as payments continued to be paid to XXXX. When the changes were made, I was advised to return their equipment. Since their services with my apartment complex were no longer allowed a technician had to come into our complex to remove all cables and equipment ( professionally ) XXXX  customer service advised that the equipment can be handed to the tech support team or to be dropped off at the nearest XXXX store. All equipment had been returned. I spoke to multiple customer service specialist who advised that I did not owe any money to XXXX  because I had overpaid them, so some payments were mailed back to me. After all issues and changes were resolved. I started to receive calls from XXXX  again. I filed a dispute with my creditors and merchant advising them of the negative impact on my credit. XXXX and XXXX agreed that my allegations were valid and apologized for the inconvenience and deleted the negative charges. However, this issue is now back as I see that XXXX XXXX  has sold my information to a debt collector and the debt collector is obviously doing their job by trying to collect. I am so disappointed with these allegations as I continue to deal with an unethical debt collector. I am requesting to remove this debt from my credit report as this is an unethical sales tactic to collect debt that is no longer owed to XXXX  and it is not mine. Please I ask for assistance to have this collection company to stop harassing me and reporting false information to my credit. I am currently trying to move out of my apartment complex, and I CAN NOT do that when a collection company is reporting false information and lowering my credit score.
Product: Mortgage

I have filed complaints with you from XX/XX/XXXX # XXXX to the present XXXX, XXXX, XXXX, ( letter dated XXXX XXXX which was provided to you by lender. Lender perjured themselves for over 10 years in escrow overcharge, which they finally admitted XX/XX/XXXX letter in above claims that they only paid XXXX for escrow, penalty XXXX not the XXXX they lied about for 10 years We were overcharged XXXX for escrow in our XXXX modification which has accrued interest on for over 10 years.they credited payment of XXXX 3 years later, but they did not adjust the overcharges on our modification. Also they did not credit to us the XXXX in fees ever back to us or off the mod. Cost, They did not service us for 14 months from XX/XX/XXXX until XX/XX/XXXX which accrued over XXXX in late fees, they violated every act possible.
Product: Payday loan, title loan, personal loan, or advance loan

I made a payment to payoff my personal loan in the amount of {$8000.00}. 

On my statement dated XX/XX/XXXX The statement says I made 1 payment totaling XXXX applied to Principal XXXX applied to Interest XXXX XXXX Statement Your Total Payment due on XX/XX/XXXX : XXXX Monthly Payment Amount XXXX Past Due Amount : XXXX Loan Details : Loan Amount XXXX Principal Paid to Date : XXXX Remaining Principal XXXX Interest Rate 12.49 % Interest Paid to Date XXXX Monthly Payment XXXX Monthly Payment XXXX Past Due Amount XXXX Total Payment Due XXXX Payment Due Date XX/XX/XXXX ON this statement I also show my payment posted on XX/XX/XXXX I then received a collection Letter dated XX/XX/XXXX it says Action required XXXX XXXX XXXX thank you for the recent payment on your Installment Loan account. We noticed that your last payment wasn't for the full amount due. Paying the full amount on your statement will bring your account current. 

We wanted to make you aware of a possible payment solution that may be available to help bring your account current. This option may reduce your annual percentage rate and or reduce your payment. etc. 

I called and they claim they will send a paid in full letter but they can't explain why i received this information. I feel like while my account does show XXXX there is this past due amount that their system is asking for that is causing me to receive this collection letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the originator of the enclosed information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd time contacting you all regarding my disputes to XXXX, Equifax and XXXX. I can understand that it may be a slight delay but to not just respond to disputes at all is totally unacceptable ... Can someone please review my disputes. 


XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX-xxxxx-Unverified Account XXXX XXXX XXXX XXXX-XXXX- Unverified Account XXXX/XXXX  -- -xxxxxx-Unverified Account XXXX XXXX XXXX-xxxxx-Unverified Account XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-xxxxx-Unverified account XXXX XXXX Date of Birth XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

i have a credits cards debts that i paid off as agreed and the debts suppose to be erase after a months but until now, they still posting that as a bad debt
Product: Credit reporting or other personal consumer reports

Transunion is reporting a bankruptcy that does not belong to me. I have disputed this information several times and every time I am told the information is verfied to be accurate. 

This does not appear on any other reports XXXX XXXX XXXX or XXXX. 

I reached out to the furnisher to verify the information and the address I was told that was reported to Transunion is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas Transunion has stated that this was reported to them by XXXX XXXX, and XXXX bankruptcy court. Neither entity has verified this was correct. I asked Transunion to verify this information and please send me the findings and was told that they are not entitled to provide any proof of there investigation This address does not belong to me I live and have lived at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Texas since XX/XX/XXXX. This was reported in XXXX of XXXX. Transunion requested a copy of my address for the time and a copy of my DL which I have attached.
Product: Debt collection

They are reporting an account they do n't own and it was paid to original creditor ( XXXX ) and they are violating FCRA!
Product: Credit reporting or other personal consumer reports

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

I recently received my Experian credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX and XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a name on my report that is not mine which is XXXX XXXX i have never been by that name and always went by XXXX XXXX i am asking for you guys to remove the incorrect name on my file and the bankruptcy that is on my file is not mine its not my name please remove anything that has XXXX XXXX on it off my report please and thank you
Product: Checking or savings account

Amount {$49000.00} My mother passed away in XXXX ' and I have provided the company death certificates and a letter from the state of XXXX that was issued upon her death with me being the sole heir along with a copy of her will. 
Both of my parents have passed, my father XXXX ' and My mother XXXX '. 
Even after proving this information the bank will not close the account and release the funds XX/XX/XXXX. The vice president told me to come and he would cut me a check to close the account and when I drove from Massachusetts to XXXX Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, he told me he was sorry and he would need more information. The bank has copies of all this information and still refuses to release the funds requesting additional documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX!! This is my second XXXX time doing this XXXX. I tried to call and cant even get in touch with some one to confirm my XXXX identity. I am now a third party. That is bull XXXX. These false reporting accounts on my credit report has been an extreme distress to me and my family. I need them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ).

Ive been a customer at GM finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in XXXX of this year it expired. Usually its supposed to last for the whole lease term. So GM gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at GM and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from GM and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of, a charge-off account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a charge-off account opened at XXXX XXXX XXXXXX/XX/XXXX under XXXX account XXXX ( XXXX ), a collections account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX ( XXXX ), a collections account opened at XXXX  XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under XXXX account XXXX ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

( XXXX ). My Checking Account, is with " Capital One Bank ''. They have misused my Account. Have paid/Refunded Disputed money, my credit Balance to Business Owners . 
I signed up to " XXXX XXXX XXXX '' in XXXX. I downloaded XXXX. But unable to Activate my Account. I informed, and complained to XXXX XXXX since XX/XX/2022, and requested to help. Did not receive any help and requested to cancel my membership and Return my money and not to withdraw money further. 
XXXX XXXX, didn't Stop and continued to withdraw until XX/XX/2022. They have withdrawn money two times in XXXX. Then I Disputed the payments. The Capital One Bank has Returned/Refunded Disputed money to XXXX system, on XX/XX/2022. 

( 2 ). My second complaint, is Equal to the first complaint. I purchased, Two XXXX from XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XX/XX/2022, at XXXX and returned them on XX/XX/2022, at XXXX. They have charged me {$150.00}, as Storage fees. I complained to XXXX  They have advised to refund storage fees. But, the Store management, didn't refund. Then I Disputed my payment. The Bank has refunded/returned {$150.00}, in XX/XX/2022. 
Capital One Bank informed me, that they have investigated and refunded money, which I disputed. I replied, that it was my transactions and The merchants has made Consumer Rights Violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

ford motor credit comp XXXX, NE XXXX XXXX XXXX XXXX involves previous years account numbers XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX all reporting late ford motor comp. verbal communication to remove all late reporting when all amounts were current. while pandemic has destroyed my personal financial stability due to credit scores being affected by this negative reports on my credit reporting with all 3 bureaus.
Product: Debt collection

I am writing this letter to express my absolute dismay and frustration upon discovering inaccurate and damaging information on my credit report. It has come to my attention that there is a charge-off account listed, as well as potentially fraudulent accounts, negatively impacting my credit score. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Failure to address this matter with the urgency it demands will leave me with no option but to seek legal recourse to protect my rights and rectify the damage caused by these inaccuracies. 

I have enclosed supporting documentation, including proof of payments and any relevant correspondence, to assist in your investigation. I trust that you will handle this matter with the seriousness it deserves and act promptly to correct these errors. 

I demand that you treat this dispute with the utmost urgency and prioritize its resolution. Your immediate attention to this matter is not only legally required but crucial to restoring the accuracy of my credit report.
Product: Credit card or prepaid card

I recently had a hard inquiry on my credit card without my consent at a dealership on XX/XX/XXXX. Not really a big issue, but I had tried to file a dispute for it and I think I ended up doing the wrong type of dispute. XXXX XXXXXXXX and Experian told me that I filed a dispute for identity fraud, so they deactivated my account today ( XX/XX/XXXX ). I did NOT want my account to get deactivated. So now Im trying to get my account back but they wont let me. I do not want to start a new credit card. Please help me get my account back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX ACCOUNT NUMBER : XXXX, Account name : XXXX XXXX ACCOUNT NUMBER : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I NEED THIS DELETED FROM MY CREDIT REPORT AS WELL AS THE HARD INQUIRIES BELOW XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Please note that Chase Auto Finance has reported me late and delinquent in XX/XX/2018 which is inaccurate and false. I have always maintained my account current and in good standing for the extent of my lease. When my lease expired in XX/XX/2018, I  extended my lease. In doing so, Chase created a chain reaction of misapplying payments and therefore reporting me as late and delinquent when that is not the case. As soon as this was brought to my attention, in XX/XX/2018 I reached out to Chase to try to resolve the issue and I have been attempting to do so with them since but the matter is still unresolved. I am kindly asking that the Late/delinquency reported in XX/XX/2018 be removed as it is inaccurate and negatively impacting my credit rating significantly. Attached is a history of payments which clearly shows the appropriate amount of payments were made in the appropriate amount of payment cycles. If there were any issues, they are due to Chase 's payment application discrepancy and/or billing notice disruption at time of lease extension. For all these reasons, it is unfair for me to bear the brunt of the repercussions.