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

On XX/XX/XXXX I received an email from Capital One stating that Starting XXXX XXXX XXXX Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with XXXX of our service providers. This was XXXX day prior to my direct deposit being transferred from my payroll provider to my checking account. As of today my deposit is now late and I have little information from Capital One other than it is a technical issue and they are trying to resolve it. As someone who has bills to pay in a timely manner, this is negatively impacting my ability to do so. There has been little to no transparency from Capital One as to what is actually happening or the steps they are taking to resolve the issue. They have not offered any redress in the event that my account is overdrawn or penalized as such. This reflects poorly on Capital One as a business and is making me reconsider any further business with this institution. If the situation is not rectified soon I will likely switch providers for my checking and savings accounts.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below. 

The following accounts have been opened fraudulently in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.
Product: Credit card or prepaid card

I received a corporate credit card from Citi XXXX XXXX back in XX/XX/2021. Along with the card, there were multiple packets included with it with various travel programs & benefits : baggage insurance, travel accident insurance, etc. One of the prominently featured benefits advertised was a XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. The fine detail said that after a XXXX check program was purchased, the account would be credited within 2-3 statement cycles ( 6-8 weeks ). The {$85.00} I paid for pre-check never came off, and by XXXX there was still no credit and Citi requests me to pay the balance. The payment portal has no dispute or message feature to inquire or provide proof of purchase either to request the credit. I finally called Citi and asked why there is still a balance and about the program, and they insisted it must have been a benefit advertised by my company and no one has heard of the program including the supervisor on duty. I called the number on the back of my card : XXXX I don't think it's responsible for Citi to advertise these benefits and claim to have no knowledge of it later. I would not have purchased the XXXX Pre Check had I not been led to believe it as a benefit. Thankfully, nothing happened on my trip to require travel insurance or an accident benefit, as it would seem that Citi would similarly deny any such program existed. At a minimum, an email or payment portal message of some kind or even a letter should have been sent if program benefits have changed or expired in anyway. I have scans of the physical documents that accompanied my card including the terms and conditions of the advertised program.
Product: Mortgage

MIP was increased a second time without any notice. I realized online while trying to pay XX/XX/XXXXt due mortgage premium. I would like to protest the MIP increase until I have a detailed notice with increase calculation and the option to verify my tax and insurance payments. In the past, I have been able to lower my insurance premium and still meet the mortgagor 's guidelines for coverage. 

Also, the last time my MIP was increased it was in the thousands of dollars due to Country Place Mortgages ' error, and I had to contact HUD to advocate might rights. Country Place Mortgage has not taken any action to remedy the errors and hardship they cause consumers. Country Place mortgage improperly reported me negative on my credit and I had to involve HUD yet again to get them to remove the negative rating. This company continues to cause me undue stress and I would ultimately like to have my mortgage moved to a lender that actually provides customer service and has a vested interest in their customers. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNT APPEARING ON MY CREDIT PROFILE.
Product: Credit reporting or other personal consumer reports

iN MID XXXX XXXX  GOT CALL AT HOME FROM wELLS FARGO COLLECTIONS TELLING ME I AM 2 MOTHS BED=HIND OWE {$140.00} i THOUGHT WAS PRANK tURNED IUT wELLS fARGO CHAGED ME CREDIT CARD FROM PAPAER TO GIGITAL WITHOUT MY PERMISSIOMN ANS NO NOTICE, wf THEN WENT ON AND REPRUED ME LATE A ND BEHIND PAYMENTD TO XXXX. mY CREDIT SORE WAS XXXX XXXX AN D WF MADE SCORE XXXX CANT GET CREDIT AND PAYING HIGH INTEREST WF SENDS ME OFFERS XXXX INTETREST CREDUT AND REFUSES YO FU=IX THIS AND IGNORES MY CALLE=S
Product: Credit reporting or other personal consumer reports

I call Experian to find out about my credit report and to let them know that the information there reporting is wrong old addresses hard inquiries that I have not got anything from these car lots XXXX  bills I mean I have a XXXX XXXX XXXX XXXX and couldn't even get a loan for XXXX I haven't had a car in 8 years but I can't get approved for a car nothing what's since of having credit I've never had a credit but u want me to back my own money then still report that I actually called yesterday and the tried to send me to the fraud line then I had ask if I'm talking what your job then that updated my credit report with all my new information XXXX minutes later
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 to lagging postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit union for similar practices, where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened two different accounts in my name so far. These Accounts are fraudulent and I did not authorize these accounts to be opened. They then continue to attempt every month to send these accounts with new numbers to Equifax, XXXX and XXXX. Both XXXX and XXXX have confirmed they will keep these accounts permanently blocked. I already notified XXXX several months ago that i am a victim of identity theft. My information was used to open an account at conns. My wallet was stolen and my Drivers license, Social Security card and even my email addresses were hacked. I have already notified local law enforcement of this information and have provided XXXX XXXX XXXX with my Identity Theft Affidavit from the FTC. XXXXXXXX XXXX XXXXXXXX XXXX continues to try and bill me for this fraudulent account and instead keeps reopening this fraudulent account with different account numbers so they can re apply it to my credit and damage my credit. I did not authorize this account. The account that made payments to it was from a " XXXX XXXX '' I am not related to XXXX XXXX and do not know a XXXX XXXX this account is fraudulent and I did not authorize it. Additionally the other accounts that Conns advised me made payments were also fraudulent and have been reported to the companies. XXXX XXXX has already been notified of my identity theft and they have marked the checking account as fraudulent. It has been closed and removed from my consumer report. Please do your proper due dilliegence when someone reports Identity theft to you. I have a right under the FCRA to notify the furnisher of the information that it is fraudulent. I am requesting you block this information and stop re applying it. I do not have your merchandise, I never lived at XXXX XXXX XXXX XXXX, TX XXXX and I never lived at XXXX XXXX XXXX XXXX, TX XXXX. My mail has been forwarded and just recently corrected. As stated this is my notice to you that i am a victim of identity theft. I do not have your merchandise, and I did not authorize any accounts to be opened with your company. I am providing a Identity theft affidavit attached. Please review and stop attempting to try and throw this back on my Equifax report. This is abuse to create new account numbers continuously and report 160 day late payments that I never even knew about nor ever received any bills because once again i never authorized this account. Please remove all my liability to this account it is fraudulent.
Product: Money transfer, virtual currency, or money service

When cashing a check they needed a picture of the check with VOID written on it. When I wrote VOID in big letters they still rejected the check. 
The transaction number is XXXX. I was cashing a check for XXXX dollars. It had a XXXX dollar fee so it was going to be XXXX dollars. I am XXXX XXXX and am using a XXXX account. I have a voided check worth nothing. I called multiple times but I was waiting for almost an hour on hold. I also sent a complaint to the XXXX  but they just said my complaint was only for information purposes and still didn't give me my check. They have the pictures of the front and back of the check and the voided check. They have to have a human check the pictures. Their program is too faulty.
Product: Mortgage

In XXXX of 2022 I contacted PennyMac to ask about the possibility of refinancing my mortgage. After working with a loan officer I decided to proceed as I thought the new terms were favorable and the new estimated monthly payment was reasonable. I still have the closing disclosure and it states that my new monthly payment would be {$1800.00}, after paying {$8500.00} in closing costs. So, I decided to refinance my mortgage. Unfortunately, I was notified after an escrow analysis that my new monthly payment would be roughly {$2400.00} which is an increase of about {$600.00}. I contacted Pennymac and advised that I was extremely surprised and concerned about this increase. Pennymac told me that during the closing process they only accounted for half of my estimated taxes which greatly affects the monthly payment and that the best they can do is offer a {$1500.00} credit to assist in the shortage in my escrow as well as spreading out the new increase in cost over several months. I advised that this was a gross miscalculation and if i had the knowledge and transparency of my monthly payment before i finalized the refinance I would not have followed through with it as this is unaffordable for me. I was told that nothing more can be done. Overall, I feel cheated and misled. This increase greatly affects my ability to make my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing my concerns regarding the accounts I found in my credit report. They are not mine and I do not recognize them. My memory does not have these items at all, and I think I am victim of identity theft because its obvious if these accounts are not mine. 

I am talking about these accounts : 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

My credit cards has been lost/stolen and all the charges and transactions on the following credit card accounts are fraudulent : XXXX XXXX XXXX  for {$290.00} and XXXX XXXX XXXX  for {$210.00}. The XXXX XXXX XXXX and XXXX XXXX XXXX credit card accounts listed on my Equifax and XXXX  credit report are lost/stolen, and all the transactions on the credit card accounts are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am covid protection still have all the original letters and this company is reporting. The negative payments contradicting the covid statis
Product: Credit reporting or other personal consumer reports

Regarding creditor XXXX XXXX XXXXXXXX account number XXXX Subject : Request for Credit Correction Due to UDAAP Violation and Unfair Treatment To Whom It May Concern : I am writing to formally request the correction of an inaccurate late payment reported on my credit file due to circumstances beyond my control, specifically fraud on my bank account. This fraudulent activity caused my car payment for [ XXXX XXXX ] to be delayed, as the funds intended for the payment were compromised. 

I want to emphasize that all other payments for our two leases bmws accounts have been made on time, demonstrating our commitment to maintaining a positive payment history. Despite my efforts to resolve this issue promptly and the unique circumstances surrounding this delay, I believe I have been treated unfairly in comparison to similarly situated non-minority borrowers, who have historically been granted consideration in similar scenarios.

The reporting of this late payment may constitute a violation of federal laws prohibiting unfair, deceptive, or abusive acts or practices ( UDAAP ). As a minority borrower, I believe this unfair treatment warrants immediate attention and correction. 

I kindly request that you review my account and the circumstances of this late payment. I also request that the negative mark be removed from our credit file. Thank you.
Product: Mortgage

I previously requested mortgage assistance under Covid 19 due to the pandemic shut down and my inability to file the documents on time form long hours of work. I submitted a loss mitigation package to Mr Cooper and I was informed that it was currently under review but that additional documentation was needed to complete the review in the underwriting department. I was not able to submit the documents in a timely fashion and NationStar Mortgage D/B/A Mr. Cooper closed my request for mortgage assistance and contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file motions to appoint a selling officer to sell my property in which it occurred on XXXX XXXX. When I returned from work, I started doing an investigation into the mishandling of the loan modification under the Cares Act and denying my request because I was working long hours and could not submit the documents on time. I then started research on the law firm XXXX XXXX XXXX which I noticed that they received an approval for PPP loans in the amount of {>= $1,000,000} and more loans for {$540000.00}. & {$250000.00} On XX/XX/XXXX they received this financing and reported that this law firm that is run by XXXX XXXX and his son, which is two employees indicated on the application that this law firm employs XXXX people ; which is impossible. On the second application dated XX/XX/XXXX they received additional funding of {$540000.00} now this law firm is reporting XXXX jobs please see Exhibit A and B. This is clear FRAUD committed against tax payers and congress by this law firm that has a reputation of fabricating assignments of mortgages and fraudulent paperwork to obtain judgments in from of the XXXX XXXX XXXX XXXX XXXX XXXX.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : 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: Debt collection

This company did not give enough documentary evidence to verify for this alleged debt from complaint XXXX. I demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account. I want a full audit trail and not an altered contract like the one you sent pursuant to 12 USC 5562 ( c ) ( 10 ). AD ASTRA still can not produce a contract between me XXXX XXXX XXXX and AD ASTRA. In the state of Illinois AD ASTRA is on probation and can not collect. Expect a complaint from the Illinois Attorney General 's Office as well.
Product: Debt collection

If the necessary steps to rectify this situation aren't taken within 10 days, I'll file a complaint with the FTC. You're legally required to respond within 15 days, and failure to do so constitutes a violation, potentially resulting in fines up to {$1000.00}. I trust you'll promptly comply once you're aware of the issue. Please provide the investigation procedures for the following accounts within 10 days to avoid further action. 
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

The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]
Product: Checking or savings account

Account got charged an overdraft + fee + ( fee of overdraft fee ) even thought I did not enroll for overdraft. Is this a fair situation? 

XX/XX/19 Service Charge Sustained Od - {$30.00} - {$390.00} XX/XX/19 Miscellaneous Charge Dda Debit - {$83.00} - {$360.00} XX/XX/19 Fee Overdraft ( 3 At {$35.00} Each ) |eNotice - {$100.00} - {$270.00} XX/XX/19 Preauthorized Debit Citizensbank Na Payment - {$50.00} - {$170.00} XX/XX/19 Preauthorized Debit Citizensbank Na Payment - {$80.00} - {$120.00} XX/XX/19 Preauthorized Debit XXXX XXXX XXXX Phone Pymt XXXX {$100.00} - {$41.00} XX/XX/19 DBT Purchase XXXX Ny XXXX - {$200.00} {$66.00} XX/XX/19 ATM Deposit XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX {$250.00} {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX CO XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX CO XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$330.00}
Product: Debt collection

Contact was made with AD ASTRA RECOVERY SERVICES through XXXX XXXX initially on XX/XX/2021 to dispute {$300.00} collection notice. 

No handwritten signature was provided as evidence despite it being known that I am a victim of identity theft.
Product: Debt collection

I 've attempted to dispute this unknown collection with credit bureaus. The collector verified this debt. This debt collection is unknown.