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

I opened XXXX XXXX Visa, Comenity Bank in XX/XX/2019. I didn't get an cards or statement for over 2 months. They sent it to he wrong address. Once rectified, I paid the balance in full within 6 months but found out that I changed me interest which they refused to take off ( it less than 6 months ). They counted the 2 months that I didn't have activated credit card. So I sent in a payment in full with letter to cancel credit card account. They did not credit check for 10 days & then changed me a late fee. They refused to remove late fee. This is a bank I will never do business with again.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. 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 concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. As you can see in my screenshots there is not deposit made on Thursday XX/XX/XXXX or Friday the XXXX and I am always paid on Thursday. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Bank account or service

I noticed XXXX fraudulent transactions posted to my Citibank line of credit. I first reported the discrepancy on XXXX XXXX, 2015. The XXXX transactions are posted as transfers from my line of credit, in the amount of {$500.00} each, to my checking account. 

On XXXX XXXX, 2015 I requested an investigation. I informed the Citibank representative that the transactions are posted as transfers to my checking account, from my line of credit. The representative informed me that the transactions are posted as teller withdrawals on their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Experian that XXXX XXXX XXXX reported on my credit report that I was in the hospital or had services by XXXX XXXX   on XX/XX/19 so this year and I have not been in the hospital at all this year nor last. Last time I attended a hospital I had XXXX and all medical bills have been paid. I reported this inaccuracy by XXXX   XXXX last year and this was removed from my credit report so I dont know why its on here again.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain hard inquiries from my credit report. As a conscientious consumer, I strive to maintain a healthy credit profile, and I believe that the presence of these inquiries inaccurately represents my creditworthiness. 

Upon reviewing my credit report, I noticed the presence of the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's essential to highlight that these inquiries were made without my explicit consent or knowledge. As such, their presence on my credit report does not accurately reflect my financial behavior or credit habits. I have not initiated any new credit applications or sought credit-related services during the periods corresponding to these inquiries.
Product: Mortgage

In  XXXX     2016,  I recently fell into some unexpected financial hardships. I was trying to take care of myself and my mom. I became delinquent by some months with my mortgage. However, at the start of the year I began making as many payments as I could to catch up. I explained this to the lady I spoke with, but it did not do any good. I am looking to get help from Maki ng Home Affordable co unselors. I would like to know where the money is that I sent to Nationstar Mortgage in  XXXX , Texas. I have not stopped trying to make payments even if it was something to send to catch up the balance. Now, they are threatening foreclosure. Please help.    XXXX  Serviced by Nationstar Mortgage  LLC,  a subservicer for  XXXX   XXXX  Number  XXXX  Interest Bearing Principal Balance  XXXX  Interest Rate 3.750 % Escrow Balance  XXXX  Amount past due {$4000.00} - This amount has been paid. I am just working to catch up the first few months of the year.   I have also contacted the VA for assistance and nothing. No one is willing to help me out. I do not want to lose my home.
Product: Credit reporting or other personal consumer reports

I received an alert on XXXX about a new hard inquiry today XX/XX/2023 for Capital One. I DID NOT apply for anything and I am a victim of fraud. I called XXXX and the representative created a report of this fraud.
Product: Checking or savings account

I a partial payment of {$400.00} for my mortgage with XXXX XXXX XXXX XXXX  on XX/XX/2018. Capital One Bank didnt process the payment. It was not reflected on my account statement. As a result, I was charged a lot of fee with XXXX XXXX XXXX XXXX. My mortgage even when to a foreclose because of this. I want to be compensated for this BIG error.
Product: Credit card

It has come to my attention that several provisions of the Uniform Commercial Code ( UCC ) were not applied appropriately in relation to the transaction identified by NAVY FEDERAL CREDIT UNION ON ACCOUNT XXXX UCC 3-306 : Defense of Fraud in the Factum UCC 3-603 : Discharge by Cancellation or Renunciation UCC 3-602 : Discharge of Obligation UCC 3-104 : Negotiable Instruments UCC 3-311 : Settlement of Claims The non-compliance with these UCC provisions has caused significant inconvenience and financial detriment. I kindly request that you address these issues promptly and take corrective actions to rectify the situation. Please provide a detailed response outlining the steps that will be taken to ensure compliance with the relevant UCC sections and to resolve the matter satisfactorily.

I appreciate your prompt attention to this matter and look forward to your response within [ reasonable timeframe, e.g., 14 days ]. If you need any further information or documentation from my end, please do not hesitate to contact me.

Thank you for your immediate attention to this important issue.
Product: Vehicle loan or lease

I owed {$730.00} end due to over milage at an auto lease end. As directed, I submitted a payment on XX/XX/2020. Chase Auto Finance received my payment on XX/XX/XXXX and my check posted on XX/XX/XXXX. 

Since XXXX, Chase Auto Finance has called trying to collect my payment of {$730.00} every month. My only recourse was mailing front and back of my cleared check to : Chase Auto Finance Attn : Research Dept. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX I mailed proof of payment ( front/back of check ) in XXXX and again in XXXX as they continued to request During my monthly collection call ( XXXX ) I was asked to FAX ( XXXX ) and Chase said I have an outstanding balance of {$730.00}. 

Today, was my XXXX collection call from Chase Auto Finance claiming I have an outstanding balance of {$730.00}. I was once again asked to prove my payment ONLY by FAX to XXXX. 

I have mailed a copy of my cashed check twice and faxed twice and yet I have to prove a negative to Chase.

How is it possible in the year XX/XX/XXXX, the customer has to prove to Chase Auto Finance via Postal Mail and FAX that I have made the payment? Chase are the ones who have misapplied the payment. I have been harassed for over 3 months with collection calls and still
no clear explanation and ownership by Chase. Chase has stolen my money!
Product: Mortgage

My mortgage is with Guaranteed Rate and I been trying to do a loan mitigation/modification as I am in the middle of a divorce and I don't want to lose the house. We have tried for 4-5 months now to get a response from the bank and they are continuing to give me the run around and not provide any assistance. They continue to find something new to delay the process with or give us the run around for weeks. 
We need help. I am currently paying {$3000.00} dollars a month, I have loss some contracts and my income has dwindle significantly. This has caused my credit to fall, my wife inability to do the same because of their run around. We feel discriminated against to the way they have handled the account. They did not even put my wife in the mortgage breaking the law of home bound as my wife as a right to claim the property and a place to live. This has been going on since XX/XX/ as far as I can recall when we started asking for help and here we are in XXXX and still no response. Not even a guidance from them. All they keep sending is late payment notices but nothing in relation to loan mitigation.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding fraudulent accounts that have been opened under my name without my knowledge or consent. These accounts are a result of identity theft, and I became aware of them in XX/XX/year>. Specifically, the account in question is with XXXX Bank ( Account XXXX : XXXX ). I am requesting that the credit reporting agencies ( Experian, TransUnion, and Equifax ) block and delete this fraudulent account in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, I am invoking my right to legal recourse under 15 U.S.C. 1681n due to the significant damage caused to my financial well-being by this fraud.
Product: Credit card or prepaid card

I have been requesting a chargeback to the merchant of a fraudulent transaction since XX/XX/XXXX from paypal credit and they refuse. I made good faith tries to resolve and return merchandise with the merchant. They ignored me and then refused to send a prepaid return address label. They advertised that their vacuums worked on any surface, specifically carpet. The vacuums I was send do not move. It was a fraudulent transaction. What they sold me and what they sent me are two very different things. I then called PayPal credit and refused to pay the fraudulent charge as is my right with a credit card charge over {$50.00} perThe Fair Credit Billing Act was passed in 1975 as an amendment to the Truth in Lending Act section 170 105.33C. Paypal has, in violation of that law refused to chargeback the charge to the merchant. I have now filed a complaint with FTC.gov. I want the transaction chargedback to the merchant immediately. If the merchant then wishes to sue me then they are more than welcome, or they can provide a prepaid return address label. I am not going to pay to send it back to XXXX which would cost more than {$50.00}! Its a scam. It has been going on sinceXX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize XXXX XXXX inquiry on XXXX XXXX and Experian.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. 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 as the Fair Credit Reporting Act clearly states. I have never been late on payments and did not provide written consent to report the account : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided, I demand these payments to be updated to on time as they should be as I was never late.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that incorrect accounts appeared on my credit report, and I have no idea how they got there. I checked my report as I normally do, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Because of this, I am requesting a thorough review of the documents I have submitted so that I can finally put this concern behind me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of alleged debt. nor therefore any such debt therefore exists. ( whats your username please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXXXXXX XXXX  Balance {$1800.00}.
Product: Credit card

I have a Chase checking account and credit card from Chase. When I make a payment they immediately debit the payment from my checking account and adjust my checking account balance but do not immediately adjust my credit card balance in turn. If they can debit the transaction from my checking account instantly and decrease my balance, they should credit the payment to my credit card and adjust that balance immediately as well. Theyre not waiting on the payment to clear as they immediately take the money from my checking account once I submit it.
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly XXXX U.S.C. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under XXXX U.S.C. XXXX ( b ). The reporting of unauthorized data also breaches XXXX U.S.C. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"
Product: Debt collection

In XXXX of XXXX I was billed {$920.00} for a debt that my XXXX advantage plan paid. I tried to reach out to the collection agency, they were rude and refused to help me or provide me proof of the debt upon my dispute. They have continued to negatively impact my credit even after sending my dispute in writing in XXXX and contacting them numerous times in XXXX, XXXX and XXXX. 

Thier blatant disregard and care for negatively effecting me thru my credit has created a hardship for me as this is the only negative on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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 or other personal consumer reports

In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies, such as XXXX, XXXX, and TransUnion, exercise their significant responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. 

Referring to 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. To this effect, neither the financial institution, as defined in 15 USC 6802, nor the consumer reporting agencies, XXXX, XXXX, TransUnion, etc., possess my consent, whether explicit or implied, to disclose my information. All forms of consent, be they verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Moreover, in compliance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. In this instance, I was never informed of my right to exercise such an option. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. This decision is made in light of the aforementioned legal provisions and the failure of the financial institution and consumer reporting agencies to uphold the necessary procedures and disclosures as mandated by applicable laws.
Product: Debt collection

I contacted XXXX XXXX XXXX on approximately around XX/XX/2018 to set up a payment plan to start paying this debt off. I offered $ XXXX  monthly and the personnel on the phone refused the amount unless a larger sum was paid upfront. I explained to the representative that I did not have that type of money to make a large sum payment. He refused to take the {$150.00} and said that legal action would occur. I try to contact agency back a day later without success.
Product: Mortgage

My original mortgage company filed bankruptcy and now shellpoint mortgage has taken over, and today i continue to follow up on having my account reflect the accurate amount I have even provided proof of my payments that were made by money orders but shellpoint continues to send me delinquent notices as if I havent paid I have called and they tell me it takes 30 to 60 days but I keep getting the run around. I paid by money order not check my account should reflect current but they refuse because they said they a debt collector and they trying to illegally take my home on false information. Please help. I have provided proof within this email. I can also send all other emails that I have continued to send trying to get this matter resolved but they keep sending certified mail when they have evidence that my mortgage should reflect current. They will call me stating that they are going to fix the situation but the individual won't put any of what she says she's going to do in writing, which disturbs me. Today they continue to send stacks of mail when payments have been made as required. I have also submitted the XX/XX/2020 payment and awaiting it to post but I understands that takes time. They sent an letter stating what was due, when you add up what they stating was missing it was the money orders that they say they can't allow to reflect on the account until they speak with XXXX, this wouldn't be an issue if information was sent within a timely manner informing me of the changes and whom to send the payments to, instead they are now doctoring documents trying to make it as if I owe something when I don't have shown how documents sent out are inconsistent and full of fee 's that shouldn't he paid these payments in question by money order, but still charged an NSF charge. This doesn't make since, when I speak with them verbally they tell me things like disregard the bills coming or don't worry about it and we are working on it, we are going to fix this, I'm sorry your going through this, we are going to make this right, we are going to fix your credit with all the credit agencies and remove the late payments and all the NSF charges. The manager was able to determine while my dad was late at times he never missed his payments and according to what it's reflecting he owes and what has been provided as proof my dad owes nothing but XX/XX/2020 payment and that has been mailed off. Today XX/XX/2020 nothing is fixed and I have an another verbal appointment with them tomorrow between XXXX and XXXX eastern time for them to verbally tell me what they refuse to put in writing. If it wasn't for the emails that reflects this unprofessional pattern of business they would have never communicated with me and they would have continued providing me the run around. 

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

I checked the Equifax potential impact website, and after entering my information, I was informed that my private personal identity information had probably been compromised in the recent breach. My understanding from news reports is that Equifax became aware of the breach in late XX/XX/XXXX. As a resident of California, my private personal identity information is subject to the data security and breach disclose laws of California Civil Code XXXX ( Security Breach Information Act ). I was not contacted by the company directly or made aware of the breach until I heard the news in the general media yesterday, XX/XX/XXXX. I do not consider that to be the most expedient time possible, as CCC XXXX states. The news also noted that in early XXXX, several Equifax executives sold over a $ million of stock, which declined about 13 % in value when the news of the breach was made public. The company, which markets and sales data security services, clearly does not understand the responsibilities of data security and breach notification. There are two other credit reporting agencies. Therefore, the loss of Equifax will not cause major damage to the credit reporting marketplace. All efforts should be made to punish the company to the full extent of the law, including closing the company, if possible.
Product: Credit card

I recently sent an Identity Theft report filed through the FTC to all 3 major credit bureaus- XXXX, XXXX, and XXXX. I have a credit card account through Citibank that is Identity Theft and all 3 bureaus denied this report. 

I have attached a copy of the letter sent to XXXX with all of the supporting documentation regarding what I sent to all 3 bureaus regarding my ID theft.
Product: Credit reporting or other personal consumer reports

XXXX is showing late payment on my account. I have never been late on this account or any creditors. I have explained to rep that this account was XXXX balance and apperantly I was invoiced for interest charges and never received an invoice for it. 
I have requested multiple times for TRANSUNION and XXXX to reflect correct information and XXXX just responds by saying this account has been investigated and it's accurate. UNDER FCRA LAW 15 USC 1681 ( a ) ( 6 ) ( b ) ( iii ) RBFCU needs to provide a written investigation with the validity and accuracy of my account with them. As this has never been late.
Product: Debt collection

The collection agency reported several collection accounts on my credit report without providing any notices of verification of debts all in violation of the FDCPA and FCRA.