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

on XX/XX/2020 an inquiry by capital one showed up on my credit report they said there is no application on my part for a credit card but they say they cant take it off to call XXXX  and they can fix it i did that and to no avail they had me call them back and capital one cant fix it because they said its XXXX  error so i went back and forth several times and was told by XXXX  that i need to file with ftc so here i am, i have had a capital one card for years and dont need another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only became aware of an identity theft issue on XX/XX/19, when my FICO score suddenly tanked to XXXX instead of XXXX. An account was opened with XXXX XXXX ( whom I'd never heard of until this issue came to my attention ) in my former married name ( that I have not used for over 20 years ) and with a XXXX address ( that I haven't lived at for over 10 years ). Credit reporting agencies deny any responsibility to disclose that the information sought is old data, to creditors. Shame on them ; the whole point in creditors inquiring with those services is to be able to determine if it is a legitimate individual or an identity theft ( which it was ). 
As you are the overseeing institution for the big three, isn't there some protocol that can be put into place that requires the reporting agencies to clarify that former names and addresses are no longer in use, so the creditors and debtor have half a chance at not getting swindled? 
On top of that, XXXX XXXX cleared it up within a week, reported it twice on XX/XX/19 and again on XX/XX/19 ( at XXXX ). All 3 agencies are still saying they've not been informed. Not true.
Product: Checking or savings account

On XX/XX/XXXX at XXXX in the afternoon I was at my job at XXXX XXXX XXXX Tx, I was withdrawn without my authorization and having the card in my possession XXXX transactions each for {$400.00} for a total of {$810.00}. XXXX, immediately upon seeing the messages on my phone I proceeded to call the COMDATA customer service line to report the theft and request the blocking of the card XXXX, on XX/XX/XXXX I received a letter informing me that they will not return the money because there is not enough evidence, immediately I wrote an email to the same sender XXXX XXXX XXXX of Comdata ( XXXX ) with a copy to the fraud email ( XXXX ) giving my version and exposing my disagreement with the response. On XX/XX/XXXX I received an email from the same XXXX XXXX XXXX informing me that they have already approved the refund of my money in XXXX to XXXX working days, it has been XXXX working days and they have not given me an answer, every day I send him emails and call the phone line informing what happened, the case number is XXXX. Please, this money is the fruit of my hard and honest work. I am asking the XXXX to please intercede and give me a greeting. Thank you very much XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a product from XXXX XXXX using their store credit card for the amount of {$48.00} so I could take advantage of the holiday sales promotion and accumulate more key rewards points on XX/XX/2019, within a few hours, I received an email stating that my purchase was shipped to my home address. Today XX/XX/2019 I would like to pay my XXXX XXXX credit account down to XXXX ( the total amount of this product purchase ) I am not being allowed to pay my balance of {$48.00} online through their credit account payment system. I am also not being allowed to pay my credit account through the phone. Both platforms say that I have no balance due at this time even though my available credit has been decreased by the {$48.00}. I believe that they do this so that I can forget about making my payment and they can charge their monthly finance fee and interest. Any other department store including XXXX, XXXX allows me to make a payment to my credit account right after making a purchase.
Product: Consumer Loan

CAR ACCIDENT DUE TOO XXXX OF LEASED XXXX CAUSED A MAJOR ACCIDENT ON XXXX XXXX, XXXX. 
XXXX ON ROUTE FROM XXXX XXXX N.J. TOO XXXX, NEW JERSEY. 
DEALER NEVER FIXED THE DASH FAN, AS WELL AS DEFROSTER, THIS HAPPEN 8 TIMES SINCE XXXX XXXX, XXXX DOCTORS IN THE EMERCANCY ROOM OF XXXX XXXX, XXXX XXXX, NEW JERSEY. 
DEALER WAS GOING TOO FIX THE FIRST WEEK OF XXXX XXXX. 
MY MEDICAL BILLS WERE XXXX DOLLARS AN THE CAR WAS A TOTAL AFTER XXXX IN XXXX, NJ. 
WE CAN NOT SUE THEM BECAUSE I 'M ON PUBLIC ASSISTANCE, NO JOB, HAVE A XXXX. THEY WERE PAID FOR CAR BY XXXX INSURENCE COMPANY. 
XXXX, XXXX XXXX, XXXX, NEW YORK XXXX. 
{$22000.00} ON CAR, AN SOME MEDICAL BILLS BY XXXX, BUT I 'M IN DEBT FOR BALANCE, PLUS LOST XXXX, XXXX, AN HAVE LOST ALL MY ASSETS DUE TOO ACCIDENT. 
THEY NEVER PROGRAMMED THE COMPUTOR ON THE LEASED CAR, WHICH WAS A PROTECTION FEATURE, TOO STOP CAR. 
THE DAMAGE WAS MOSTLY FROM THE DRIVERS AIRBAG EXPLODED ON IMPACT WITH XXXX. 
THANK-YOU XXXX XXXX XXXX XXXX CLAIM NUMBER XXXX XXXX ALSO CLAIMS NUMBER XXXX XXXX MEDICAL XXXX XXXX XXXX INFORMATION AN BILLS, DOCUMENTAION. PAYMENTS CAN BE FOUND HERE OR BY CALLING XXXX GOVERMENT EMPLOYEES INSURENCE COMPANY. 
THEY HAVE EVERYTHING YOU NEED FOR XXXX TOO LOOK AT, THE DEALER NEVER FIXED THE CAR THEY ARE AT FAULT FOR THE PROBLEMS, RT XXXX, XXXX XXXX, XXXX. THEY DENIED ANY MECH. ISSUES AFTER THE FACT BUT CAR WAS A TOTAL XXXX THREE DAYS AFTER XXXX TOO YARD. 
PAID BEFORE WE GOOD FILE SUITE AN INVESTIGATE ANY MECH PROBLEMS. 
MY POLICY NUMBER XXXX WITH XXXX LOSS REPORTED XXXX/XXXX/XXXX
Product: Payday loan, title loan, or personal loan

I had initially applied for a student loan to help with furthering my education. Life got in the way and I was unable to keep up with my obligations. 
In XXXX of this year I was finally in a position to resolve the debt so I contacted Monterey Finanical Services and spoke with XXXX XXXX. After a lengthy discussion with the account representative I was told that if the debt was paid they would then have the negative information removed from my credit file. I requested removal agreement in writing and I did receive an email from XXXX XXXX which I have included. The debt was paid yet the information is still reporting.
Product: Debt collection

This collection appeared on my credit reports, I sent validation letters and never received validation, I have disputed it yet they say it's validated, I have no knowledge of this account and I am very dissatisfied that they have not validated it, nor do they seem to care that they are damaging my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX  XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 

Details of Disputed Entries : Creditor Name : XXXX XXXXXXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor. 
Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.

15 U.S. Code 1681i : Specifies the procedure for disputed accuracy, which includes timely investigation and correction of inaccurate information.

15 U.S. Code 1681s-2 : Obligates furnishers of information to report accurate information to credit reporting agencies.
If this issue is not resolved within 30 days, I will be forced to take legal action for violating my consumer rights under 15 U.S. Code 1681n and 15 U.S. Code 1692k.
Product: Mortgage

After XXXX I had financial troubles because i lost some of my income. I contacted all my lenders at the time, and none would help me because I was current. After some of my payments faltered the lenders started calling me to collect. I had troubles making payments until XXXX or so with HSBC Mortgage Services. The agreed upon a payment plan to bring the loan current around XXXX XXXX. The begun debiting my account directly around the same time for an agreed amount of XXXX or so per month. They never explained to me that the XXXX per month would never bring the account out of the rears and they did not explain to me either that they did not make a loan modification. After i noticed that my debt was not coming down, I contacted HSBC again to see why this was happening. The informed me that the amount was not enough to cover and pay the amounts in the rears. So I accepted to increment the monthly amount to XXXX per month. 
The Loan should have come to current in XXXX XXXX but HSBC did not apply the payments correctly. So in XXXX XXXX I had to call to get the payments applied correctly. After they corrected the payments, they stopped reporting credit to the bureaus and all through out the period of time where they were drafting money from my bank account per the arrangement, they were reporting that I was paying Late.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Wells Fargo billed me overdraft fees illegally, and also my money would disappear in my checking account. 

I believe they were still in my money. First happened in XXXX, XXXX, XXXX, second incident started XX/XX/XXXX until XX/XX/XXXX. 

They also did the same thing to my mother 's bank account. From XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate amendment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a letter from Synchrony Bank dated XX/XX/2022 stating that I requested to open a PayPal credit account on XX/XX/2022. 

I did not attempt to open a PayPal account on XX/XX/2022 nor have I ever applied for a PayPal account or any account with Synchrony Bank. 

The letter simply says we were unable to verify your identity but there is no contact information, phone number etc for finding out more about this alleged application or request to open an account.
Product: Checking or savings account

I want to close my business checking account ending in XXXX. 

Bank makes the process extremely burdensome and unnecessary. The account has a {$0.00} balance, and no pending transactions. This institution engages in predatory behavior by overly lengthening the closure process for the attempt of obtaining additional monthly maintenance fee revenue.
Product: Mortgage

I previously requested XXXX XXXX XXXX to verify the Assignment of Mortgage dated XX/XX/year>. The issue is the Assignment of Mortgage was assigned to XXXXXXXX XXXX of Delaware which has been out of business for over a decade, mainly due to mortgage fraud, the CEO was sentenced to 6yrs in prison. I also requested they verify the signer XXXX XXXX was actually a Vice President of MERS and the notary personally knows XXXX XXXX as XXXX XXXX of MERS. XXXX XXXX XXXX XXXX has also been named in several fraudulent activities. XXXX sent me several letters stating they were investigating and gave several dates their investigation would be completed. Instead of XXXX responding to my complaint/request they transferred the loan servicing to Shell Point Servicer without responding to the complaint or investigation and noted my complaint was a duplicate complaint which closed on the CFPB website. I'm not requesting ShellPoint Servicer to do the same to verify the validity of the Assignment of Mortgage. My loan number has been the same with my past servicers and now has changed with Shell Point which also raise a concern for me. I will attach the fraudulent Assignment of Mortgage along with letters from XXXX claiming they needed more time to investigate.
Product: Money transfer, virtual currency, or money service

Someone pretend to be a landlord renting a property. I send money for the application and for a deposit. 2 payments of {$55.00} for two adults and 2 payments of {$450.00} for a security deposit to supposedly take the property off the renting listing on XX/XX/XXXX. As soon as they started asking for more money I started calling them and by the end it sounded like they would try to work things through because they keep saying that all the money was refundable. As soon as they didn't show up the next day I called my bank and explained them everything. They didn't say much, the next day XX/XX/XXXX I contacted my bank again but they informed me that they couldn't do anything and that they had send a letter to my home to inform me of that decision instead of telling me right away when I called.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX, I was victim of fraud on my account. 32 transactions totaling {$8700.00} were charged on my account without my authorization. I was not called or texted to verify the transaction. I can provide utilization data download from my cellphone provider to show that I was never contacted by TD Bank to authorize the transactions. 

On XX/XX/XXXX I contacted TD Bank after realizing that unauthorized charges were debited from my account. After putting the claim, I received a provisional credit of {$5300.00} on that day and a credit of {$420.00} on XX/XX/XXXX. Not all charges were captured correctly on my first conversation on XXXX and the initial credit received did not cover all fraudulent transaction. I therefore contacted TD Bank again to open a claim for the missing transactions. On my second conversation on XX/XX/XXXX transactions were added to my claim equaling {$3000.00}. On XX/XX/XXXX of the 32 provisional credits I obtained were reversed. On XX/XX/XXXX I visited my local branch and put a new claim for the 12 transactions that were denied a credit. On XX/XX/XXXX, my account posted the 12 credits provided were once again reversed.
Product: Debt collection

I received a copy of my personal credit report from all 3 credit bureaus. I sent a certifies letter to the company on XXXX XXXX to the address on the credit report. I have never received any documentation verifying that I have a signed contract, verification I owe them a debt or anything bearing my signature. I have also filed a dispute with the credit bureau notifying them to delete this inaccurate information. Here is the proof of mailing Delivery Attempted Tracking # : XXXX Recipient Address : LVNV Funding XXXX XXXX  XXXX XXXX SC XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 2. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 3. ORIGIN  ACCEPTANCE, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 4. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 5. SHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 6. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 7. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 8. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 9. AVAILABLE FOR PICKUP, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 10. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 11. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 12. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX & XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX {$17000.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX balance : {$49000.00} Balance : {$0.00} XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.
Product: Checking or savings account

Ive had Navy federal credit union for a few years now where I have thousands of funds coming in and out of my account. Im opted into oops and Ive been charged several overdraft fees where Ive had to pay several overdraft fees for each transaction. Im not sure how to go about this matter. Ive always thought it was excessive but just couldnt afford to not use the option sometimes before payday. Hopefully I can get some of those funds back being its truly needed.
Product: Vehicle loan or lease

During the night of XX/XX/2022, my daughter, XXXX XXXX 'XXXX XXXX XXXXXXXX XXXX was repossessed by Huntington National Bank. This was an indirect vehicle loan started by the dealer she purchased the vehicle from. I believe that Huntington failed to properly calculate her ability to repay before approving the loan. We were able to get the vehicle back from its repossession status. My daughter is now driving the vehicle. I believe that Huntington National Bank violates UDAAP when approving their indirect vehicle loans. 

As a side note, I am a XXXX XXXX at a community bank located in XXXX XXXX Ohio.
Product: Debt collection

LOCKHART, MORRIS & MONT and XXXX XXXX XXXX are both trying to collect the same dollar amount from an old debt that has already reached its statute of limitations. So not only is the debt past the timeframe but two companies are reporting the same debt as if its two different debts.
Product: Mortgage

Caliber Home Loans was required to pay my property taxes via my escrow account in XX/XX/XXXX. As of today, XX/XX/XXXX, my property taxes are still outstanding. I have contacted Caliber three times and have been told they show that the taxes were paid on XX/XX/XXXX ( which is a violation, even if it were accurate, because they are required by regulation to pay in XX/XX/XXXX per Florida requirements ). I have now closed a refinance loan with another lender and had to pay my outstanding taxes ( again ) and the late penalty. I would like my escrow refunded as my taxes were never paid. Caliber Home Loans has not been responsive and I am concerned I will never get my escrow funds back. I have documentation showing the taxes were never paid, but that nearly {$4000.00} was withdrawn from my escrow account on XX/XX/XXXX. I also called the XXXX County Tax Collector who verified that my taxes were never paid on or around XX/XX/XXXX and that as of today they are still outstanding. These taxes will be paid soon by my new title company, however Caliber Home Loans needs to refund my escrow in the amount it withdrew plus the late penalty fees I had to pay due to their negligence.