23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX XXXX XXXX  and Capital One sent me a fraudulent cashier 's check from my closed out checking out almost twelve months after the account was closed. The fraudulent cashier 's check could not be cashed despite Capital One 's policy regarding their bank issued cashier 's check. The check was issued directly from Capital One and they knew that it was not funded at the time that they mailed it to me. As a result the Capital One cashier 's check bounced multiple times. Capital One representatives repeatedly lied about the check and its replacement status. I've communicated to several Capital One representatives including the CEO 's office that they should immediately send a replacement check to the same address information they had for the for the destroyed fraudulent check. To date I've had to suffer numerous lies from Capital One representatives and I have not received the cashier 's check requested or reimbursement for the bounced check fees incurred from their fraudulent check or any compensation for the damage that their fraudulent actions have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

FROST BANK IS HARASSING ME AT MY EMPLOYER AND THIS IS A VIOLATION OF THE FDCPA I have been disputing this account by the name of FROST BANK since XX/XX/XXXX. It was opened XX/XX/XXXX, with the account number, XXXX with a {$770.00} balance. I've unsuccessfully challenged this account until now, and throughout this time of disputing I've gotten many calls harassing me. I believe the agencies aren't doing their job as I get the same typical response of correspondence. Under the FCRA, I am requesting exact proof of this negative information and help to stop FROST BANK FROM HARASSING ME - This negative information must be removed or corrected!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX : XX/XX/XXXX i have XXXX accounts XXXX, XXXX that on my credit that XXXX shows open and XXXX is closed both with a balance and i have submitted a dispute for them and i have submitted prove that shows its a XXXX balance with no past due balance first dispute number i sent is Confirmation number : XXXX see attached is the results saying " A Temporary Update Freeze On File '' and i have attached prove that is XXXX balance and still came back i have contacted XXXX XXXX and they said they have not reported any thing since XX/XX/XXXX and have not received any dispute from equifax and they sent me report showing that XX/XX/XXXX was last time reported with XXXX balance. which is attached as well. called equifax multiple times as well and every time they tell me it's on XXXX XXXX and same with XXXX XXXX tell me it's on you guys that you need to fix what you are reporting. Finally, I submitted new dispute # XXXX that shows that they reported the last time on XX/XX/XXXX. Please help me. I need to buy a house and this is holding me back from doing so. I need the correct information to report as XXXX and no pass due My cell number is XXXX if you need any more information. 

Thanks XXXX XXXX Account # XXXX, XXXX
Product: Mortgage

On or about XXXX XXXX, 2016, I submitted to my servicer a loan modification request. They accepted and when I called back approximately two weeks later, Ocwen told me very rudely that they can not accept my request for workout assistance because the owner of the loan does not participate in modifications. They are not offering me any sort of options to foreclosure. How can the investor not abide by California laws designed to help people who are in distress. Also, each time I call Ocwen they are very rude and I have asked for Spanish speaking agents and they flat out tell me there is none. I believe Ocwen is headquartered XXXX and they simply do not understand Ca laws, nor that they are discriminating against people like me who feel more comfortable to speak in native tongue.
Product: Credit card

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Dear CFPB Representative, I am submitting a formal complaint against Navy Federal Credit Union for failing to properly investigate and resolve a fraudulent charge on my credit card account. Despite my multiple attempts to dispute this charge and my submission of all required documentation, Navy Federal has refused to conduct a fair investigation, leaving me wrongfully responsible for a {$2000.00} unauthorized charge made by XXXX XXXX XXXX XXXX in XX/XX/XXXX. 

Complaint Details : Financial Institution : Navy Federal Credit Union Account Type : Credit Card Disputed Charge : {$2000.00} Merchant : XXXX XXXX XXXX XXXX Date of Disputed Transaction : XX/XX/XXXX Date of First Dispute : XX/XX/XXXX Summary of Issue : 1. Unauthorized Charge I did not authorize this charge, nor did I allow anyone else to use my credit card for this transaction.

2. Failure to Conduct a Proper Investigation I followed all proper dispute procedures and provided Navy Federal with the required documentation, including evidence that I did not make or approve this transaction. Despite this, they have refused to investigate or provide a valid reason for keeping the charge on my account.

3. Violation of Fair Credit Billing Act ( FCBA ) The FCBA requires creditors to conduct a reasonable investigation when a billing dispute is reported. Navy Federals failure to do so violates my consumer rights.

4. Failure to Honor Zero Liability Policy Navy Federal promotes a Zero Liability Policy for fraudulent transactions, yet they have failed to uphold this policy in my case.

5. Credit and Financial Damage The unresolved charge has negatively affected my credit score and financial standing. I have been seeking resolution for XXXX years, yet Navy Federal continues to dismiss my claim without proper review.

Desired Resolution : I request that the CFPB take action to ensure that Navy Federal : Conducts a full and fair investigation into this disputed charge.

Provides a written response explaining their refusal to investigate.

Removes the fraudulent charge from my account and issues a full refund.

Corrects any negative impact on my credit report caused by this fraudulent charge.

I appreciate your assistance in holding Navy Federal accountable for failing to protect consumers from fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, The payment history for students loan are inaccurate as I have not been late. I requested METHOD OF VERIFICATION OF LATE PAYMETS. Without automated response from a e-Oscar system. I would like to know the individuals involved in the investigation that verified the late payments. Here is the information that should presented : Names, Dates, Addresses, Notarized documents, and Phones Numbers. Also, I did not recall these accounts as well. 

Loans : XXXX # XXXX Amount {$24000.00} XXXX # XXXX Amount {$15000.00}
Product: Debt collection

My credit reports shows I owe a debt of {$2000.00} XXXX Account Number # XXXX ) I repeatedly disputed this claim with CAPITAL ONE BANK several times via mail over the past 7 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from CAPITAL ONE BANK debt is belong to me.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted dispute letters to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the account : XXXX XXXX XXXX XXXX Date XXXX
Product: Credit card or prepaid card

I closed my Capital One Secured Credit Card # XXXX XXXX XXXX XXXX on XX/XX/2022. I paid off the balance due on the card and transferred all automatic charges to another card. On XX/XX/2022, I verified the card was closed. I then called customer service to determine how to obtain the refund of {$840.00} deposit I had paid to obtain the secured credit card. I was informed the deposit would automatically be refunded to me after two billing cycles which translated to two months. When I asked why they held the deposit for two months, they responded it was their policy. No other reason was provided. 

Since the account was paid in full and no additional charges can be made to the account, there is no reason for Capital One to retain the deposit for two months. Since the obligation the deposit guaranteed was satisfied and the deposit is in essence and demand bank account, the deposit should be refunded immediately when the account is paid in full and closed. 

Capital One is able to process charges, payments and deposit in a matter of days, so they are capable of processing a deposit refund in the same time frame. Holding the deposit for longer is an unfair and abusive practice that should be terminated.
Product: Credit reporting or other personal consumer reports

THIS SERVES AS A FORMAL AND INITIAL COMMUNICATION TO COMPLAIN THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INFORMATION REGARDING LATE PAYMENTS ARE INACCURATE. 

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  ( 90 DAYS LATE ) I RESPECTFULLY REQUEST A THOROUGH AND ACCURATE INVESTIGATION INTO DATA ASSOCIATED WITH THESE ACCOUNTS, ENSURING THAT ALL NOTATIONS, DATES, PAYMENTS AND BALANCES ARE REPORTED CORRECTLY. I ALSO REQUEST SPECIFIC EVIDENCE PROVING THAT THE ALLEGED LATE PAYMENTS WERE IN FACT LATE. TO VERIFY THIS I AM REQUESTING COPIES OF STATEMENTS AND PAYMENT TRANSACTION RECORDS FROM CREDITORS THAT DEMONSTRATE MY PAYMENT WAS SUBMITTED LATE.

UNDER 15 USC CODE 1681e IT IS YOUR RESPONSIBLILTY AS THE CREDIT REPORTING AGENCY TO VERIFY THE ACCURACY OF THIS INFORMATION WITH THE REPORTING CREDITORS IF YOU ARE UNABLE TO PROVIDE PROOF OF THE ALLEGED LATE PAYMENTS I ASKED THAT YOU UPDATE MY PAYMENT HISTORY TO REFLECT A " PAANL '' ( PAID AS AGREED NEVER LATE ) STATUS IN ACCORDANCE CONSUMER PROTECTION LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2021 regarding inaccurate and unverifiable items on my credit report. It has been over 3 months and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 3 months, these items must be removed and deleted immediately. I demand these accounts be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these inaccurate items are preventing me from doing so.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I filed a complaint against XXXX as I was reciving threatning calls from the debt company they sold my supposed debt to. I was contacted by XXXX on XX/XX/XXXX by XXXX XXXX a debt credit manager stating they were in the process of buying the debt back and marking it as paid in full, I still have all emails. Here we are XX/XX/XXXX and I just recived a email from XXXX XXXX XXXX XXXX stating I must pay half of the orgional debt of XXXX. Now spotloan has told me multiple times this account is marked paid in full and closed. But yet they tend to try and sell my loan every few years now. This is harassment and is affecting my life at work and home.
Product: Credit reporting or other personal consumer reports

I closed on my first new home on XX/XX/, and took a loan for {$690000.00} with a 6.5 % interest rate. This was an interest only mortgage. {$4900.00} was paid at closing. Of this amount, {$1300.00} went to Interest and {$3500.00} went to Escrow. 

On XX/XX/XXXX, my first mortgage payment was due and {$5500.00} was removed from my checking account on XXXXutopayment ( {$3700.00} of Interest and {$1700.00} to Escrow ). 

For whatever reason, the bank made an error and is saying they sent me back {$1700.00} and I still owe my XXXX mortgage payment and now my XXXX mortgage payment which was supposed to be auto-debited, and was not. 

Therefore, XXXX XXXX  has made multiple errors in this process : 1 ) Stole the money from my first mortgage payment, and is saying I didn't pay it ( even though they have records of my payment ), 2 ) Not auto-paying my 2nd mortgage payment or allowing me to make a 2nd mortgage payment and stating I owe 2 mortgage payments values, and XXXX ) The most critical thing to overcome is that XXXX XXXX filed a report with the Credit Bureau saying I missed my first mortgage payment, which is categorically false and this is the most important thing that must be resolved on their end. As my credit score dropped nearly XXXX points from XXXX XXXXXXXX XXXX  gross incompetence.
Product: Credit card or prepaid card

I first started a balance transfer transaction in XX/XX/XXXX in response to a solicitation from Commerce Bank that went nowhere. I have since tried half a dozen times more. After spending nearly 4 fruitless hours on the phone with various representatives, I was told my card was not valid, despite the fact that Commerce 's automatic system validated it. I was told a new card had been sent out XX/XX/XXXX, but none ever arrived. At no time did Commerce ever try to contact me, despite having all my contact information, to tell me what the problem was. I have since incurred over {$1500.00} in additional interest because of this fraudulent activity on the part of Commerce Bank and I expect to be reimbursed in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or fixed the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an incorrect name listed on my credit profile. I would like to have Equifax, XXXX, and XXXX remove it immediately.
Product: Debt collection

The company named MCM contacted a family member and stated that I have a lawsuit with my name on it. I have no knowledge of this lawsuit as I have not received any official documentation.
Product: Mortgage

When applying for a loan, the first appraisal was too low so the loan officer, XXXX XXXX, XXXX, shopped the appraisal and it came back at exactly what was needed to secure the loan, unsurprisingly. When rates dropped nationally, after the fed cut rates and reporting on national trends dropping material amounts, even though we had been assured a floating rate lock securing us against rate drops prior to closing, infact it had once dropped during the process. The company refused to honor their commitment to that as it was just a lie by XXXX as it turns out, and then the same salesman, XXXX XXXX called me unethical and hung up on the phone call, refusing to discuss when I brought the issues up prior to closing.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have never had and dealing with bonded business services or XXXX XXXX XXXX that Bonded represents.
Product: Debt collection

I believe, Wayfair LLC dumped defective appliances ( i.e., XXXX XXXX XXXX ) on me ( i.e., a minority consumer ) and Wayfair Credit Card a/k/a `` Citi '' and/or " Citibank '' whom partnered with Wayfair LLC in this effort, as well as XXXX via my billing dispute then ruining my credit by reporting negatively on my credit report! The total amount of my purchase was {$1500.00} of which I paid {$1400.00} for the defective products!
Product: Debt collection

The Bureaus would not disclose who they were or who they represented. 
They claimed that a XXXX XXXX credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in jail, and ruin your XXXX   credit! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to this company to get clarification on the item that they reported on my credit. I never received any documentation from them in writing, and dont know who or what this company is and the item they are claiming is mine. This is in violation of my consumer rights and I will be seeking legal advice and/or pursuing to seek legal actions against this company for the inaccurate information that is being reported and hurting my credit. This has caused great stress on me mentally, emotionally and financially.
Product: Checking or savings account

My bank Chase returned three checks to utilities during a snow storm and said that my account was still open yesterday
Product: Student loan

had decided to refinance my loans with XXXX in XXXX and began the process with contacting Firstmark and XXXX for payoff amounts. 
Firstmark on XX/XX/XXXX emailed me asking if I would like to use forbearance prior to the loans being paid off by XXXX. I immediately made contact and requested to use the forbearance for the months of XX/XX/XXXX and XX/XX/XXXX payments which would place my account up to date while XXXX completed the refinance. 

I was informed that I would receive an email with instructions for completing the forbearance request but that it was noted I was already pre-authorized. I waited 5 business days as they said it may take a few days before receiving the email before I contacted Firstmark again. They apologized and stated that they would send it out and make note on the account that I did not receive it and would submit it once received and completed. 

I received notification that I was reported 60 days past due to the Credit Bureau for non-payment and still had not received the documentation. In calling Firstmark to follow up and question the negative reporting I was informed that my loan was paid off by XXXX and they can not change their reporting. 

I have consistently made monthly payments without issue and during the time of the refinance stayed in constant communication with Firstmark and agreed to utilize the offered forbearance to avoid further past due days or to be delinquent. Now Firstmark is stating the loan is paid off and the reporting was completed ; I now have a negative report documented with no assistance or reversal by Firstmark when I have been told and offered 2 months of forbearance. I have documented and attached email correspondences and days and times of contact with First Mark. If I had known the forbearance was not an option I would of resume payments to avoid delinquent reporting. My contact with Firstmark representatives were always positive and helpful as they stated they would be sending the requested documentation along in which I still have not received but have received other correspondence from them by email and mail. When I called to question their processes I was told there was nothing they could do it was reported and you have to take that up with the credit bureau. The representative was short with me and dismissive of my questions and frustrations with not received the necessary documentation to finalize the forbearance. 

This negative reporting is unfair and honestly I feel lied to. XXXX has since paid off my loan and the dates will accurately match up to the dates of Firstmarks initial email and all following phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting inaccurate information to Equifax and XXXX credit bureaus. The date of last activity is different on both reports. The date of last payment is different on both reports. The date of last payment is different on both reports. But when i dispute the item the company continues to say that it is accurate. How is it accurate with both credit reporting agencies when it is different on both.I have repeatedly asked XXXX and Equifax to investigate the reporting. I sent them copies of my credit report showing them that the reporting is different. So how can it be accurate but they continue to respond that the creditor verified that the information is accurate. I repeatedly contacted the creditor acceptance now asking them to validate the account. I asked the to send me a copy of the contract with my signature stating that I've agreed to pay them, along with the terms and balance. They have not responded to either letter i wrote them all sent by certified mail and return receipt that was signed by someone at the company. I am really discouraged by this. I am paying XXXX, XXXX XXXX dollars for a car that only cost XXXX, XXXX because of these companies negligence. I was just turned down for a mortgage because their negligence. The dates that i contacted acceptance now are included with the certified mail receipt and return receipts. I did not include them all because there are so many but what i have included should be enough. XX/XX/2020. XX/XX/2020. XX/XX/2020. XX/XX/2020. These are the recent contacts but i have some dated all the way back. I thank you for your help. Certified mail receipts and return receipts uploaded for proof and response letters from the Credit Bureaus themselves.
Product: Credit card or prepaid card

Bank Of America sent me a letter saying someone opened up a credit card from them with the last four numbers XXXX or XXXX in my name, I had an old credit card with them last four numbers years ago and have since closed that account. Bank Of America sent me a letter with the name of the indivisible and sent me some papers to fill out, I guess hes taking cash from the card with a balance of XXXX and sending money to people, no money has come out of my account and I informed my bank about it. I hope you will report this to Credit Bureau and I told Bank Of America that I want this indivisible prosecuted to the fullest extent, thank you for your time.
Product: Debt collection

the bank is suing me for returning product to Amazon and no credit received, I FILED XXXX COMPLAINTS ON THE BANK FOR REFUSING TO GIVE ME MY CREDIT FOR RETURNED ITEMS TO AMAZON