23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Please see last complaint filed and Citizens bank responded stating to send an email to XXXX. I called and spoke to XXXX XXXX and my call was recorded. Her supervisor XXXX. XXXX XXXX which is his real last name. Not XXXX. I have also filed a complaint with the XXXX XXXX XXXX XXXX. My evidence is undisputed. Citizens clearly does not want to assist because they are putting a personal biased against me and violating so many banking practices. I have been trying to receive assistance. I emailed as per the letter that will be attached and my emails to show the clear unsound business practices being committed. I paid what I could and reported me late with many late charges that the CFPB capped late charges. Clearly my evidence shows this bank does not give hardship assistance. A scam. 
Also, XXXX XXXX is not employed at Citizens. Yet all the letter have his name. He was contacted. I will be forced to do a XXXX  XXXX. 
All my creditors provided financial assistance. this bank forced me to hire a consumer lawyer when I am in serious financial restraints to contact XXXX XXXX at the OCC to investigate.
Product: Credit card

On or about XXXX I was using my card to make purchases related to a recent move. Synchrony Bank, flagged a purchase as Fraud, and sent me a text message. When I called them to resolve the issue, I was successfully verified and the supposedly removed the restriction, then the following day not even 24hrs later I attempted to make a purchase and was extremely embarrassed that my card again was being declined, so I called and attempted to resolved the issue. I was told by someone who was obviously not a XXXX XXXX, that they would send a link to my phone number and that I would need to take a picture and upload it to the link along with a copy of my drivers license. This seemed very supicious and I asked to speak with a XXXX representative. The XXXX Representative was telling me the same thing, so I asked for a supervisor because when I called in, the system recognized my phone number and matched it to my account. After talking to the supervisor, she offered to send me a passcode by mail that I could use to call in and verify myself. When I attempted to call back in to verify my account with the pascode I was mailed, Synchrony Bank refuses to accept the passcode they mailed me to verify myself and are demanding that I either upload a picture to them along with a copy of my drivers license or that I can mail them a copy of drivers license and a copy of my electric bill. As these are all items that can be used for identity theft I am refusing to do this. I believe that the fact that they will not accept the passcode that the mailed me via the US Mail should be adequate to prove I am who I say I am- and if they will not accept it, then that is Mail Fraud. I have tried to escalate the issue within Synchrony Bank, but the Account Manager I spoke with ( sorry I didn't get a name ) would not escalate to anyone. I refuse to follow their prescribed method for verifying my identity ( clicking on an unknown link and taking a video/photo of myself and uploading a copy of my drivers license ) or mailing them the same. XXXX more so if I've already been verified more then five times. they have done this to me countless times in the past as well and I'm sick of it.
Product: Credit reporting or other personal consumer reports

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

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

I have disputed on more than 3 occasions with Experian in regards to 2 accounts on my credit report from XXXX XXXX XXXX. I contacted XXXX XXXX Services back in XX/XX/2019. They said the 2 accounts were from 2 different hospital visits. I told them that I shouldn't have had a balance because I was covered by health insurance and gave them my health insurance information. They said they will have the accounts deleted from all three credit bureaus since I gave them my information. The accounts shouldn't have been on my reports. They were deleted off of my XXXX  and XXXX credit reports but it's still on my Experian report. I've contacted XXXX XXXX XXXX XXXX times in XX/XX/2019, XX/XX/2019 and today, XX/XX/2019. They told me that they have requested to have both accounts removed from my Experian report when the others were deleted off of XXXX  and XXXX  in late XXXX and XX/XX/2019. For some reason Experian isn't deleting them off my report and continues to keep it on for some odd reason I'm not understanding why when they've requested to have them removed. I've disputed these accounts along with others and sent in copies of my identity and they're still keeping the accounts on my report when they shouldn't be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX  Account reporting on my Credit Profile in XXXX. I advised all 3 Bureaus along with XXXX XXXX XXXX  that I DID NOT open this account and this account IS NOT MINE. I did not notice this account reporting on my credit profile until XXXX when I had my credit reviewed trying to obtain credit. I disputed this account immediately and provided a police report in which at that time was requested. I do not currently have access to said report as this was over 2 years ago. 

After the dispute the bureaus sent me a response of verified, and XXXX XXXX Bank sends me something stating I opened the account online, address used, IP address used ( which they couldnt have possibly verified as mine ). 

I advised thier documentation does not consitute as validation of this debt, and to date I have not gotten a response, and it is still reporting on my credit profile.
Product: Vehicle loan or lease

Hello, My name is XXXX XXXX and I currently reside in XXXX, Ohio. I was informed to contact your company by the XXXX XXXX XXXX. I am writing you because I'm not sure but I feel like there is some type of scam going on. Here is the problem : I currently am paying a note on a XXXX XXXX XXXX XXXX. I bought it from XXXX XXXXXXXX located on XXXX and XXXX in XXXX of XXXX when I was employed with them. I worked at the XXXX across the street. After I placed my down-payment on it which was {$1000.00} I continued to pay my car note. As of today XX/XX/XXXX, I am still paying on it. You would think after all this time it would be paid off. The first red flag was when my car got repossessed and they couldn't find my car. I put {$1200.00} flat and I had a very hard time trying to get my car back. Fast-forwarding to XX/XX/XXXX, I paid the {$1100.00}. When I looked at my balance before I paid it said {$7600.00}. After the balance said {$7100.00}, when it should say {$6500.00}. That was strange to me because all this time I was thinking I was actually paying on my CAR NOTE. So I decided to give them a call. I spoke with a man and asked him where the money was going towards. I do have everything recorded if needed. He explained to me that all my payments are going straight to interest first which I don't understand. I thought my money was going to my actual payments. How are we suppose to get our balance down if they keep piling on interest. I feel like this is how they get you. I'm giving them all my money thinking I'm doing something and my balance isn't going anywhere. He only explained about the interest rate being {$4.00} at first. I did some calculating and this is what I personally came up with. {$4.00} ( interest rate ) x 30 ( days ) = {$140.00} right. Even If I were to do interest on the whole year that's only {$1700.00}. Where is my money going to? I have no understanding.
Product: Credit card

I have a complaint already against this company for other issues, however, I realized that Capital One Bank is charging interest on accounts that I already paid off in full, this has happened on two accounts that are also a part of the other complaint, however, I realized that after paying 2 of my accounts off, and was going to close them because of the unethical treatment and illegal measures they have been doing to myself and my accounts. You cant charge interest on an account or accounts that are paid in full, this is simply illegal. I expect them to pay these fees as, I paid both accounts off, they were at XXXX not being used, and I was going to close them, and they charged illegal interest on both of my accounts. They are breaking banking, credit and fair credit rules and this is simply not ethical. Its wrong, its illegal.
Product: Credit reporting or other personal consumer reports

I received a letter with my home address included stating a reason why a leasing application was refused from the Credit Company. Someone is using my home address for credit apply. I checked the company soliciting the credit request that was denied and was created last year which I have lived since the previous before that. I believe its a company engaging in Loan Bank Fraud.
Product: Debt collection

Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in 2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.
Product: Credit reporting or other personal consumer reports

I am disputing the reappearance of an item previously removed from my credit report and the duplicate reporting of this same account. This is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires notification of any reinserted itemsnotice that I did not receive. 

The account details are : Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Reinserted : XX/XX/2024
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices when transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Bank account or service

Last week, I deposited a check that someone had endorsed over to me. I then withdrew an amount of cash from an ATM. USAA immediately put my account " under review '' and never told me. I did n't receive a call or an email. I logged in that night and my account balance was " unavailable ''. I called and was told it was a " back office '' review and the customer service representative could n't tell me anything for 3 business days. I called back after 3 business days and they still could n't tell me anything. A manager said they would fast track the review and I would hear from someone within 24 hours. That was over 48 hours ago. No one can tell me why this happened or how to resolve it. I do n't even know why it was put under review. I just want my money back so I can move to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants reported on my credit report an account which is clearly not me. I have not used my credit in 5 years due to secret / divorce issue - REPORT NUMBER- XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I am writing to express my extreme frustration and utter disgust after discovering that the following company ( s ) have reported charge off ( s ) on my consumer report. 
Account Name/Account Number XXXX XXXX XXXX XXXX According to the IRS , when a debt is charged off by a creditor, it means that the creditor has given up on attempting to collect the debt and has declared it as a loss for tax purposes.

When a creditor charges off a debt, theyre required to file a 1099-C form with the IRS, which reports the amount of the canceled debt as income. This means that I may owe taxes on the charged-off amount, even though I didn't receive any money from the creditor. 
Let me be clear, the charge off ( s ) on my consumer report are a blatant violation of my consumer rights and will not be tolerated. I demand the immediate removal of these charge off ( s ) without any further delay!

I would like to remind you that the consumer law ( s ) cited below are not suggestions, but are in fact, legally binding regulations that you are required to follow.

15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.

It is clear that the charge off ( s ) on my consumer report are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress.
Product: Money transfers

On XXXX XXXX, 2016, I initiated an online Moneygram transfer of {$1000.00} for my son. In the past 2 months I have been sending him transfers with just his first and last name on the Moneygram and he has been able to pick up the money. I live in XXXX XXXX and my son attempted to pick up the money at a Moneygram location in XXXX XXXX on XXXX XXXX. He went to at least XXXX Moneygram locations but was told he could not pick up the money because his ID did n't match. The Agent said that the Moneygram was missing his middle initial so he could not pick it up and the the policy recently changed to require the middle initial. BUT the online form says that the middle initial is optional and today it still says the middle initial is optional. On XXXX XXXX I cancelled the transaction and received a confirmation email that acknowledged the cancellation. From the date of cancellation it 's supposed to take 3 to 10 business days to receive the refunded money. I called Moneygram XX/XX/XXXX, the 10th business day because I received an email on XX/XX/XXXX saying that my transaction was cancelled on XX/XX/XXXX. I called and spoke to a supervisor named XXXX who looked into the transaction and confirmed that the cancellation date was not XX/XX/XXXX as the Moneygram email said, but XX/XX/XXXX. In the email I received yesterday, it says that I have to wait 3-10 days from XX/XX/XXXX to receive the refund. This is a deceptive practice. Now it can be up to 20 business days, or a month before I get my refund. I am complaining about the deceptive practice of requiring a middle initial - the online form does n't require it - for pick up. I am complaining about their refund process. The Customer Service agents are argumentative and do not take the time to research the issue or provide me with a proper email response. I called and emailed and my issue still has not been resolved.
Product: Prepaid card

On XXXX XXXX attempted to make a purchase and discovered numerous unauthorized charges from XXXX XXXX XXXX  which am not an account holder yet payments were taken out of account beginning XX/XX/XXXX ; notified XXXX attempted to get new card issued but was told I needed to sent a copy of utility bill with new address which I sent via email provided ; called backed and was told they needed bank statements, and XXXX copy of my social security card ( red flag ) because a need a refund to pay bill I am thinking of sending a redacted version and wait for a response. My impression of the company is more like customer service representatives are acting as if they are a identity paper mill. The card has no risk for the company it is a prepaid debt card that I have had since XXXX. 
Sent XXXX a complaint however goggle could not find an active account in play store. 
Sent XXXX XXXX complaint no response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a fraud account on my credit, I contacted the credit company immediately. I requested a investigation several times but everytime has came back as nothing. I contacted the company that had done the fraud loan to do a investigation. It has been a year and this fraud account is still on my credit
Product: Credit reporting or other personal consumer reports

I am writing to request verification of the information recently provided to me by Westlake Financial Services. As a customer, it is imperative for me to ensure the accuracy and legitimacy of the information provided. 

Could you please provide details regarding how the information I received was verified by Westlake Financial Services? This includes but is not limited to the verification process, sources used for verification, and any additional steps taken to ensure the accuracy of the information provided. 

Furthermore, if Westlake Financial Services can not verify the requested information, I kindly request that the associated charge off be removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information at your earliest convenience. 

Thank you for your cooperation.
Product: Debt collection

Recently I check my credit report and I was shocked to see a collection on my credit report! I have a spotless credit history up until this point. It 's was collection for a medical bill I did n't even know it was in collection. I have n't received any communication from this collection agency. And as far I can tell they made no attempt to contact me about this before reporting it to the credit bureaus. I was totally unaware about this! I have zero information about this collection, other than it was from a hospital visit XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The 3-6 credit reporting agencies are reporting wrong information do to my accounts were hacked
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one derogetory mark on my credit report and I paid that off. It is still on my credit report. It seems to me that you guys are quick to drag down my credit and when I pay all of my debt off, it takes forever to get a positive score. This is very frustrating for the consumer. I am doing everything to get a 700 or above score and you guys make this process very frustrating.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to ongoing errors and violations in the reporting of my AMEX account ending in XXXX. I have been disputing these inaccuracies for over XXXX months with AMEX and the credit reporting agencies, yet no corrective action has been taken. These inaccuracies are severely damaging my credit profile and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Inconsistent and Inaccurate Reporting : XXXX reports the account as Deleted. 
XXXX and XXXX report the account as a Collection/Chargeoff with a balance of {$0.00}. 
These discrepancies violate the requirement for accurate and consistent reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ). 
Impossible Future Dates : The Start Date and Last Reported Date are shown as XX/XX/year> and XX/XX/year>, which are future dates and impossible. This violates the accuracy requirement under the FCRA. 
Failure to Correct Disputed Information : Despite my disputes, AMEX has failed to correct these inaccuracies within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ).

Inconsistent Payment Status : The account is marked as Paid with a {$0.00} balance, yet it continues to reflect a Negative/Chargeoff status. This inconsistency is damaging my credit profile unfairly. 
My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file. 
Have disputed information investigated and corrected within 30 days. 
Hold furnishers accountable for reporting inaccurate information ( Section 623 ). 
AMEX 's failure to correct these errors is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals, such as purchasing a home for my family.
Product: Mortgage

OCWEN loan mortgagee used deceptive practice for communication purpose in order to foreclose my property and extract money from me. They used fake address to show that they have send all communication and those fake address not related with me in given period. i HAVE MADE SEVERAL ATTEMPTS WITH THEM TO RESOLVE the issue but they failed to resolce issue