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

On my Experian Credit Report I have a Credit card account that was closed at my request in XX/XX/XXXX. The creditor continued to bill this account after the account was paid in full and closed. I contacted the company several times and told them of the error. However they kept billing and now is saying it is a balance owing since XXXX. I disputed this on my credit report with Experian and they refuse to correct this. The credit card company has long stretches of the previous year showing no report of activity, however since XXXX and XXXX they are reporting this charge off and making it appear as a new delinquency. This is erroneous and false information. I have tried to talk to Experian and the operator named XXXX hung up on me. I was polite in trying to explain the situation and he just hung up! 
I want this account corrected and if the creditor hasn't reported every month then the delinquency was not an issue up until now. The account is due to come off my credit report in XXXX. However by this misleading information, they are hurting my current credit! I need help with this issue!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There were not supposed to be any fees. Also, I had a thing on my account that was supposed to stop me from overdrafting and it did not work. It was a while ago so I don't remember fees and amounts.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$480.00}
Product: Mortgage

Nationstar / DBA Mr. Cooper charged {$170.00} of exit fees above and beyond the mortgage payoff amount. Fees included : County Recording Fee {$100.00} Third Party Reconveyance Preparation Fee {$20.00} Expedited Delivery Fee {$25.00} Def Exp Quote Dlvy Fee {$25.00} I wanted to file notice of these extra fees because I have refinanced before and never been charged fees for " an official payoff statement ''. It seems unfortunate this lender would like to charge for telling someone how much is owed.
Product: Credit card

I have a number of accounts with Synchrony Bank. I have opened complaints before concerning this same issue but it has evidently not been resolved by the bank. First- when they call they call as " UNKNOWN ''. I do not answer unknown calls. Secondly when I call back or call them they ask for an account number? WHAT account number I have a minimum of XXXX opened by retailers who use the same source which I do NOT like. I owe it all to XXXX company. Next their automated system does not work, rarely works and almost always forces me to switch to a live person who supposedly speaks English but CAN NOT COMPREHEND IT. Next rarely can you get a manager if ever. Then I get late fees or charges because the payment is past due. In my opinion I find this as unbelievable yet the state of affairs in this nation today. I asked for Customer Service and after multiple attempts they hung up. Wow and you -respectfully- are evidently a hollow shell who can not do anything but state you help consumers.
Product: Credit card or prepaid card

On XXXX, at XXXX AM, I received an email from Wells Fargo stating they were finished reviewing a Wells Fargo XXXX XXXX credit card application and were unable to approve it at the time. They stated they would send a letter in 30 days explaining the unapproved application. 
On XX/XX/XXXX, at XXXX PM, I received another email thanking me for the Wells Fargo XXXX XXXX credit card application. The email explained the application is pending and it provided a reference # XXXX. In the email, it explained what would happen next after verifying my information. The email contained a number to check the progress of the application at XXXX. There are XXXX another number provided to call if I didn't submit the application. I called XXXX, to report I didn't submit an application for a Wells Fargo XXXX XXXX credit card. The Wells Fargo agent name XXXX took my personal information and contacted the Wells Fargo XXXX Department. I then talked to XXXX who claims to be in the XXXX department. XXXX verified my personal contact information. XXXX also asked questions non-related to the incident at hand. XXXX asked did any other company extend credit to me at this time. And if so who was the company? I answered XXXX, and none of their business. XXXX also asked ; if I was ever involved in Identity theft. If I was when? I answered XXXX in XXXX. XXXX then stated she was going to get their investigation team to look into the fraudulent application. And she was going to report it to the credit bureaus so they can mark my credit report as XXXX and Identity Theft. 
XXXX was very unprofessional and want to ruin my credit file. I'm a small business owner and I always get businesses trying to ruin your credit or business or even your reputation. This is also discrimination because XXXX is a XXXX female and I'm an XXXX American female. I also feel Wells Fargo is breaking the Anti Trust Laws. I think it's unfair for businesses to compete with other businesses using scare and discriminating tactics against their customers. Following up, I contacted all three credit bureaus and there wasn't an application created in my name for any type of credit. My credit files are frozen and no one can establish credit in my name. Wells Fargo created and submitted the application as XXXX claim Wells Fargo files show a XXXX application on file for a credit card in my name. I never applied for an application for a credit card at Wells Fargo. I have a XXXX line of credit with Wells Fargo that had been paid as agreed. I will not initiate any new credit with Wells Fargo.
Product: Debt collection

I Filed a complaint against vericred solutions with CFPB on XX/XX/2020 requesting 7 documents.Vericred did not send the following 5 documents. 
1.proof that they own this debt. 
2.proof that they have the right to collect this debt in my state. 
3.proof that they carry a bond. 
4.proof have they access the outstanding debt. 
5.payment history from the original creditor. 
Under the fair debt collections practice act I am allowed to request verification from third party collections agencies.
Product: Credit reporting or other personal consumer reports

I have attached and FTC report with fraudulent unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently disputed this ( XXXX XXXX XXXX XXXX   ) which the company in itself if is violation because it is NOT licensed to collect debt in the state of Florida, also I have NEVER done business with this company, I have no KNOWLEDGE of the account or the amounts, account number consistently reporting to my credit report, it seems this company has stolen my information or has me confused with someone else! I have disputed this matter and it keeps coming back as accurate, but never any proof that I signed anything with this company proving I have debt with them or how it was verified, a bill isnt proof of accuracy nor stating the account as verified and updated shows proofI have reached out to the company and they have not provided proof of signature. MAXIMUM Accuracy has to be reported on a consumers credit report at all times and disputing violations!
Product: Mortgage

I entered into a Short Sale agreement with XXXX being the 1st Mortgage Holder and Key Bank the 2nd Mortgage Holder. The purchase and sale agreement is dated XX/XX/2016. I have approval for the short sale from XXXX but Key Bank is giving us the run around. Escrow has asked for a payoff and apparently received the incorrect XXXX of XXXX. I have been trying to explain to Key Bank what has happened but all I get is the run around. My latest calls have taken 1 - 2 hours with no results. They will transfer me to Loan and Liens than Recovery Dept. than Recording ( which was closed ) than Escrow ( I have explained to them they are not the closing agent they are the Lien Holder on a Line of Credit than I will get transferred back to Line of Credit. They definitely do not know what they are doing. My recent call on Friday XX/XX/XXXX they transferred me to the Collections Dept. I tried to explain to them that this loan had been written off with a XXXX Balance. I am needing the Release of Lien and if they are unwilling to release it XXXX has offered to settle with {$6000.00} to them.. Than after being on the phone with them II was transferred to the Work Out Dept, no one was available so than I was transferred to the Escalation Team and no one was available there either. 
This is the fourth purchaser for the property and we run out On XX/XX/2016. We need to hear from Key Bank ASAP. You would think they would be delighted to accept something rather than XXXX.
Product: Vehicle loan or lease

After having a altercation with the tow man during repossession my personal information was sold to a secondary debt collector without my consent or signature which is a violation of my consumer rights I dont care about what they respond after I filed my first complaint I dont care about them closing the account I want this debt gone and deleted asap for fraudulent activity and selling my information. This is against the law and if I have to go pay XXXX XXXX to get my lawyer involved Im filing a XXXX XXXX dollar lawsuit against CFPB And Navy Federal For Failure To Follow Policys And Violating My Personal Rights. This matter was supposed to be handled and done but instead its passed 5 months now which is another lawsuit. I want this debt gone less than 48 hours or Im simply getting my lawyer involved
Product: Student loan

For nearly the last year I have continued to be charged " unpaid fees '' for two federal loans on my account that are being handled by Navient. I've called numerous times to find out what these fees are for when I have paid the loans on time and even overpaid on the loans. On XX/XX/XXXX I made a payment for {$37.00}, the unpaid fee total and decided to look into 1. How long I'd been paying such fees and 2. Why my payments though directed, were not being allocated to these said fees. On XX/XX/XXXX after my payment on XX/XX/XXXX was processed, the fees were once more charged ; so I called. 

The representative that I spoke to at that time could not answer as to what the fees were for and why the loan payments, though directed, were not being applied to these fees. First, she said that they were applied to the back of the loan, but couldn't answer as to what the fees were specifically. Then, she said that they were late fees. When I asked why I was charged late fees on loans paid on time she could not answer and reverted to saying that they were fees applied to the back of the loan. Out of frustration I hung up. 

On XX/XX/XXXX I made a payment, again for these unpaid fees of {$37.00}. Then on XX/XX/XXXX I made another payment for these unpaid fees of {$37.00}. Totaling {$75.00}. I logged in on XX/XX/XXXX and there is another fee of {$37.00}, so I called Navient. I again was told that they were late fees on the account. I have made on time payments for these loans for more than a year, therefore, shouldn't have been charged late fees and no one at Navient can seem to explain to me why I keep being charged them and/or why every time I have paid them they are still showing on the account.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my incoming direct deposit. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern about my consumer protection laws, and I request your assistance in investigation this matter to ensure my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  Credit card XXXX reported as CLOSED on XXXX XXXX XXXX XXXX XXXX  however it was 13 days late reporting closure on XX/XX/XXXX instead of the prompt mandatory Metro XXXX and FCRA required XXXX reporting on XX/XX/XXXX. As of XX/XX/XXXX, this Closed account still has not been reported as Closed to Equifax and the last reporting was XX/XX/XXXX in willful violation of XXXX XXXX and FCRA protocols. XXXX Bank was required to report XXXX to Equifax on XX/XX/XXXX so it is now 30 days late. XXXX was required to be reported simultaneously to every CRA on XX/XX/XXXX instead of piecemeal only after receiving a XXXX XXXX compliance complaint. Due to XXXX XXXX obvious compliance deficiencies my TD Bank Target account must be deleted from all my credit reports permanently plus statutory damages of {$1000.00} for each and every FCRA willful violation of the FCRA against every violator.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Talked to a representative at XXXX on XX/XX/23 at XXXX XXXX. She explained they needed my address and I verified my address and I asked her what has the company ( XXXX ) done to fix the error on the credit report she said they have updated that information and just needed to verify my address. XXXX still has the same information no correction or removal of the information of another consumer information on the report the only thing that was updated was my address at the bottom of the report but the same information as the refuse to remove the information. I have sent my information to an attorney as I have tried to rectify the situation by including CFPB and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated  XXXX   XXXX  ,2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to Equifax Credit Bureau for their willful non-compliance with the Fair Credit Reporting act section 605b. Once again, I was a victim of identity theft and the account I am disputing do not relate to any transaction that I have ever made or authorized. I previously sent a dispute letter to Equifax last XX/XX/2022 with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have been awaiting for the Credit Bureau 's response and yet Equifax have failed to do so. I have read that under the Fair Credit Reporting act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft within the time allowed by law. However, more than a month have passed and upon checking my Credit File, I noticed that the previously disputed account is still reporting on my Credit Report. I assume with this action of the Equifax Credit Bureau, they are saying that the disputed account is verified and that the disputed account belongs to me. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. If Equifax claims that the disputed account belongs to me, I require the Equifax Credit Bureau to send me copies of proof of verification or proof of ownership bearing my signatures. In the event that Equifax can not prove that the disputed account in mine, please have the disputed account deleted from my Credit File as soon as possible. Once again, please remove the account from my Credit File ; XXXX XXXX XXXX XXXX : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One pull my credit report 4 times and has drop my credit score 79 points down. They ran my credit on XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I  have called them several of times and told them that someone is using my information worng. I ask them why they haven't sent a letter out to me so I could have been notified. I DO NOT HAVE ANY ACCOUNT WITH THIS COMPANY. I HAVE ASK THEM REPEATEDLY TO TAKE IT OFF OF MY CREDIT REPORT. I DO NOT WANT THEIR SERVICE. THIS IS WRONG. I HAVE BEEN CAR JACK IN THE PASS AND MY INFORMATION SOME ELSE HAS IT. SOMEONE IS EVEN TRYING TO GET A CAR IN MY NAME this company number XXXX just call and alerted me about this. I have told CAPITAL ONE, that I always since out stuff certified to confirm that it is me. I ask them have they received anything from me that has been certifiable, they replied and said no. I them so why are you going to keep this false statement on my credit when I have alerted you that it fraudulent and it is not me.
Product: Mortgage

On XX/XX/XXXX my mother passed away from XXXX. I immediately experienced a financial hardship in covering my mother 's final expenses and estate debt. I notified Flagstar of my hardship and I was advised that I could defer my payments for 3 months and that at the end of this period my payments would be deferred to the end of the loan. In XXXX I called Flagstar to begin the process of deferring the payments. The request was initially denied since I had previously deferred 3 payments due to Covid. I was told that I was still eligible for the payment deferral and a new request was submitted and escalated. I have since called in every week to check on the status of this new request and each time I am told that there is no update from the underwriter and an email will be sent to follow up. It has now been 3 months of waiting for a response and in the meantime I am harassed with collection calls from Flagstar stating that I am delinquent and that on XX/XX/XXXX my Covid forbearance will end and immediately my loan will be reported delinquent to the credit bureaus and a loss mitigation process will be initiated. It is unacceptable that after 3 months and weekly follow up emails that Flagstar has not provided a response to the deferral request.
Product: Debt collection

I settled my LL Bean Visa Acct XXXX debt with Barclay 's Bank by two electronic payments with a total of {$1900.00} pursuant to an agreement dated XX/XX/XXXX. In XX/XX/XXXX, a lawsuit was filed against me by Barclay 's Bank in XXXX ( MA ) District Court seeking full payment of {$4100.00} and failing to account for the settlement or even for the payments of {$1900.00} made in XX/XX/XXXX. I called the bank and spoke to a XXXX who told me they have no record of the XX/XX/XXXX settlement.