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

Capital One is using unfair predatory practices. 
I have enrolled in their program to bring my card status current in the amount of {$150.00} with a balance of XXXX. I have paid my portions and stuck to their payment plan, ON TIME, Capital One continues to report late. I have asked Supervisor, XXXX # ID XXXX, at the end of the 3 month payment plan, my late charges be removed and updated with the credit bureaus and her response was no, and that Capital One will continue to report late until XXXX mo have been completed, and the Lates will not be removed from reports, even after the plan has been completed successfully, which has continually dropped my scores by XXXX points. 
I am upholding my end of the payment plan, working on my credit improvement and XXXX. is not. I explained to Supervisor that maybe Capital One should have a recording in full-understandable English. It was very hard to understand the agent 's thick heavy accent.
Product: Checking or savings account

On XX/XX/XXXX my account was hacked and has been restricted since then. After speaking with the security department, I was told that someone was able to access my funds by knowing confidential information that only Navy Federal Credit Union employees has knowledge of ( I.E. code name, online banking username/password, debit/credit card info ). 
I was instructed to complete a Fraud/Forgery form and return it ASAP. The document was sent to NFCU on XX/XX/XXXX but they did not " receive '' it until XX/XX/XXXX. Absurd. I was told that it could take up to 10 business days before receiving my funds. Each time XXXX contact NFCU and request to speak with a supervisor, there are none available. No one is able to provide me with any updates with my account, and it is going on nearly a month since this situation has transpired. I need my funds released to me immediately. It is unfair that I have to be in a financial bind for WEEKS due to lack of security within this company! My bills are past due, and I have nothing! I need this problem fixed as soon as possible or the next step will be legal. I have been patient enough. I trusted NFCU with my funds, and they allow someone to take it within seconds yet I have to wait until the investigation is over. I have never gone through a situation this severe with any other financial institution, and they must be held accountable. 

Below is the fraud activity that took place : XX/XX/XXXX XXXX XXXX XXXX XXXX  {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXXXXXX XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$600.00} XX/XX/XXXX XXXX XXXX  XXXX {$600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX  {$43.00} XX/XX/XXXX XXXX XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXXXXXX A XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} Someone also attempted to take out a student loan with NFCU ; however, I was able to stop the application process before funds were dispersed to the school.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I took out an installment loan from XXXX XXXX, but it was later charged off with a balance of {$160.00} in XX/XX/2024. The charged-off status has been reported on my credit file for XXXX and XXXX. Even though it was charged off, it was sent to XXXX XXXX debt collection agency. XXXX XXXX offered a discount if I paid the balance in full, which I did on XX/XX/2024. They sent an email confirming that " this payment resolves your balance with XXXX, XXXX. Provided that any payment you made is not returned unpaid, we will report to XXXX XXXX XXXX that this account is resolved and no further attempts will be made to collect on your account. '' Despite disputing this account with Experian, XXXX has stated that the account balance is still {$160.00} and the account is open.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Balance Owed : {$80.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$32000.00} XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XXXX  Reference # XXXX EXPERIAN 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 Bankruptcy Dismissed Date Filed/Reported XXXX  Reference # XXXX XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a collection account to all 3 major credit bureaus. I disputed the item and XXXX and XXXX deleted the collection account from my report. Equifax provided me with their " investigation '' results almost immediately upon me filing my dispute and advised the item was " verified as reported '' and that the account in collection belongs to me. 
I am afraid to continue to dispute this item for fear that out of spite the collection agency will re-file their report of this account that is not mine to XXXX and XXXX and I will be back at square one. Can a collection agency do that? What are my rights to demand Equifax stop reporting a collection account that XXXX and XXXX  investigated and determined it is not mine and deleted it?
Product: Debt collection

I have not authorized any thing from this company this account was open fraudulent under my name
Product: Mortgage

Dovenmule is servicing my home loan. Delinquent escrow account. 
they have failed to pay my impounded taxes by the due date of XXXX XXXX 2016. I received a delinquent tax bill with a late fee. 

what can I do?
Product: Debt collection

Repeated calls that are dead when answered even after payment has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a status regarding my credit report. My report is stating I owe over $ XXXX on my XXXX credit card. When I disputed this information, the bureau told me to that there may be a time lag for when they report my payment based on the lenders reporting!

WHATS FAIR ABOUT THIS?

When I obtain the credit it is immediately reported?

This impacts my score When I make the payment and it is delayed it impacts my score Whats Fair About That!

When I pay the bill off it is delayed It impact my score Whats Fair About That?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S, C 1681 section 602 A. States I have right to privacy, 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I received an email from one main financial stating I could borrow an additional XXXX. I currently have a loan with them that I have been paying on for 2 years or so with no late payments. Before I could call the number, a customer service representative called me from one main and asked me about applying for additional monies. I provided her with my information and she said since tomorrow is a holiday, you should hear back from them on Friday. Typically it takes about an hour for a decision so if you want to call back in an hour or so you can do that. I did not call back but I received a voicemail stating my loan had been approved and that I needed to call back and schedule a time to come in and sign my papers and close the loan. I called the office back here in XXXX Georgia and the man cleared his throat after I said hello I am returning a call to XXXX. He said this is him. He then verified who I was and then stated, " they could not do anything for me '' .I said " excuse me? you left a message and stated my loan had been approved ''. His response was oh that is protocol. I explained to XXXX they need to be retrained because you should not call and provide false information to customers. He was not receptive to my response and so I knew at that point they were not going to loan me anything ; not even their time. He told me he would look into and call me back. I never received a return call from XXXX. The following week, I spoke with XXXX to get an update and she stated they can't do anything because of my budget. She asked me if I had additional income and I stated yes. She provided me with an email address and I faxed over additional paystubs. She still did not call back and I asked in the email to reply so I will have confirmation that the email was received. I called back and again XXXX stated " we can't do anything because of your budget '' and the call ended. I then looked up their corporate office because I wanted to understand exactly why they offered the loan and once I called in, they could no longer offer the loan.
Product: Mortgage

Due to an error in my bank account, a scheduled mortgage payment could n't be processed and was returned to the mortgage company, Flagstar Bank. Unfortunately the payment was scheduled while I had some funds coming in and some going out. This was the first time this happened. I have since received a letter from the bank informing me that I can no longer make online payments, and now funds need to be received in certified funds. The problem is, my mortgage payment is so high that when I go to either purchase a money order or send money via XXXX XXXX it is flagged as suspicious activity or exceeds the amount I 'm allowed to send. It seems incredibly unfair that, not only do I get slammed with a Non Sufficient Funds fee, but then the easiest way to pay the mortgage is taken away. I spoke with Flagstar Bank and they refuse to restore online payment, despite my explanation of how this is complicating sending my payment in.
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). 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 correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$440.00} XXXX  XXXX BXXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXXXXXX XXXX Balance : {$350.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is this complaint about?

EQUIFAX BREACH What type of problem are you having?

CALLS FROM UNKNOWN PERSONS THAT HAVE MY SOCIAL SECURITY NUMBER. INFORMATION RANSOM CALLS.

What happened?

EQUIFAX BREACH What company is this complaint about?

EQUIFAX Who are the people involved? MY SELF, EQUIFAX, DARK WEB, PEOPLE WITH MY SOCIAL SECURITY NUMBER, DL NUMBER, ADDRESS, HOME PHONE, JOB INFO, PAYMENTS & BANKING INFO
Product: Mortgage

My mortgage company made payment arrangements with me but XXXX days later said they would n't take payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is notorious and has serially falsely reported hundreds of thousands of mortgages as having late payments and refuses to fix falsely reported late payments related to covid and loan modifications with deferments in particular. This company is arrogant and plays with the financial well-being of others and should be shut down by DOGE because they receive government insurance and their incompetence in falsely reporting late payments has an adverse effect on the economy as well. 

Transunion is also a semi government agency that needs to be chopped or massively overhauled by DOGE which I work with as they are arrogant, inefficient, and incompetent. They can fix the falsely reporting lates or I will unleash a maniacal war against them they won't believe. XXXX XXXX XXXX!!
Product: Credit card

My 18-year VISA card through Bank of America was cancelled without notice. I have been managing payments on this account through the iPhone app and online for the last several years without any problems. 
I called an spoke to an agent who told me that the reason for cancellation would be explained in a letter being mailed to me within one week. 
I received a letter saying that a payment for the account had been returned unpaid ; this is incorrect. The app on my phone indicated that a payment had been made when I submitted it but my bank never received or responded to the request. I waited a few days and resubmitted the request, which was funded immediately. 

Now I have a letter saying I 've been charged an outrageous 'fee ' for the 'returned payment ' of {$1000.00}. No acknowledgment that this was an error of their phone app or that the account has always been in good standing since 1998. The letter further asks me to call XXXX to arrange payment but the computer then tells me I do n't owe any payment at this time. 
No options for discussing with an agent/representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILE # XXXX According to my most recent credit report, these companies are currently reporting to the credit bureaus that I applied for credit with their organization. I did not XXXX these companies authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. The presence of these inquiries is adversely affecting my credit report and is impeding my ability to obtain necessary credit. I notified Transunion of these discrepancies via phone over 60 days ago, I was told that someone would be getting back to me in regard to this and no one ever did. I called again about XXXX weeks ago and I was supposed to receive a phone call, again no one ever called. Transunion is willfully violating my consumer rights as retribution for previously filing a civil suit and asserting my consumer rights. The following inquires need to be deleted immediately, I did not have any account with these companies and I did not apply for anything with them : 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 I have informed Transunion many times that XXXX do not have the ability to freeze/unfreeze my credit report to prevent this from happening because of a technical error on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have TWO separate complaints against Chase Mortgage. The first one is that for 10 years they reported one of my mortgages as " Modified '' - the said loan was never modified, after MANY hours of documentation and phone calls back and forth to their executive offices they finally 2 years ago admitted their wrong doing and sent me letters stating they were fixing the incorrect information to all 4 bureaus. THen they did it AGAIN 6 months later.. then AGAIN 6 months after this. i have endless amounts of paperwork re my complaint and supposedly they are not " doing this again ''. Then in XX/XX/2018 i had made a Partial Payment on one of my mortgages. Around the first week of XX/XX/XXXX?, might have been an earlier month/, when i went on line to pay the rest of the payment on the XXXX i didnt see that they had applied the first {$500.00} or {$600.00} payment. I CALLED and spoke to someone on the phone/ overseas possibly and they informed me that they had inadvertently applied the funds to my ESCROW account to which i said NO - i wanted it towards the payment. The rep at the other end of the line said OK we will fix it/ do you want me to draft the balance of the payment from your normal XXXX XXXX checking account ending in XXXX.. i said  YES, she gave me a conf number and stated again that they had to FIX their mistake re applying funds toward the escrow vs actual payment. the following month i saw they had charged me a 30 day LATE reporting and DENIED that i had EVER made the phone call in the first place!. i again reached out to their executive offices/ provided AGAIN all the information and they wrote me back and basically called ME a liar! i have paid back XXXX  of XXXX  of $ $ to CHASE on the many many many mortgages i have had. they are incompetent and could care less about erroneous reporting. this XXXX on their part has cost me to have several CLOSED accounts AND have other limits dropped completely. for ONE LATE payment that they messed up on.
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX XXXX they forced me to use Comenity bank. I never had late fees until Comenity. I contacted the post office and they said I mailed my payment check in plenty of time. Also I was promised by Comenity that I would see my cash back points on my second statement and there was nothing on the statement about my cash back. They have said my payment was late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical collection on my credit report. When I asked them to verify the debt they violated my HIPPA Privacy by supplying private details that I did not authorize to be released.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX Date Opened XXXX {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

The credit reporting agencies XXXX and XXXX have some information/accounts on my credit report that I have no knowledge of and it has damaged me from by using my first home
Product: Checking or savings account

I opened a Savings account in XX/XX/XXXX in preparation for a large purchase. After making the purchase I was planning on keeping the account. The account I was signed up for had a requirement for a minimum balance of {$3500.00}. I was not made aware of this until after the purchase in XX/XX/XXXX when I had found that my account was hit with a couple months worth of maintenance fees. After calling I learned I was signed up for a savings that needed that high of a limit on. I had {$500.00} in the account and was planning on rebuilding it after the purchase. When calling to reconcile I was transferred to the bank 's sales department first and told nothing could be done about the fee. After pushing back I was told I could only be credited back 25 % of the fee.
Product: Vehicle loan or lease

On XX/XX/2023 I took out a new car loan through Navy Federal to purchase a XXXX XXXXXXXX XXXX price that {$43000.00} I finance {$25000.00} through Navy Federal. Unbeknownst to myself the car was stolen from a car dealership The title was counterfeit and the Vin number had been replated. Navy Federal has the identity of these criminals as well as video footage of these criminals at a navy federal branch located at XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/2023 I filled out a consumer loan addendum agreement/decoration of loss and I filed a decoration of fraud/forgery on XX/XX/2023. I also reached out to Navy Federal in writing on XXXX 2023 informing them that they do not have my consent to report this fraudulent account on my credit report. And that this loan should be deleted, and declared a loss. Unfortunately, Navy Federal conducted a fraud investigation, which determined no fraud, had taken place which to me is impossible. I requested a copy of the fraud investigation and was denied and advised to subpoena for the investigation. Please look into this matter that violates the fair credit reporting at 15 USC1681b, permissible purpose and 15 USC 1681 fitness and accuracy.