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

On XX/XX/XXXX, I had dinner in XXXX of XXXX, PA and my wallet was stolen. The thieves took my wallet, money, credit cards and several other important documents/cards. I reported it to the police. Late the evening of XX/XX/XXXX and all day on XX/XX/XXXX, I notified my bank and credit card companies. I received permanent or provisional credit from all credit card companies and/or banks but Citibank. Around XX/XX/XXXX, I received my statement from Citi. It included in the balance they requested I pay, {$960.00} in fraudulent, disputed charges. I called customer service to request a credit ( even provisional ). Citi would not do so, citing a " pending investigation. '' I questioned whether anything was pending as no one at Citi had asked for any information - police report, police name, where card was stolen, etc. To avoid paying interest, I paid my Citi bill in total ( including the fraudulent charges ). Fast forward to XXXX, the police called to say the thief was apprehended and is being charged and being held in jail. I call to tell Citi and again request a provisional credit. They refused, citing a pending investigation. I sat on hold over an hour to have the call elevated to a supervisor. No results. I have no problem with Citi continuing any investigation. I see that as a separate matter to my request for a provisional credit. They are not investigating me. It is not easy to be out of almost $ XXXX at the holidays for charges you did not make and someone else was arrested for.
Product: Checking or savings account

I am facing an issue with my bank account at Capital One ( account type : checking/savings ). Recently, I conducted XXXX private currency exchange transactions with a friend involving {$300.00} and {$1400.00} for personal and legitimate purposes. Despite this, Capital One has suddenly frozen my account without providing prior notice, which has significantly disrupted my financial activities. 

I attempted to contact Capital One regarding this issue. After multiple attempts due to long waiting times, I was finally able to speak to someone. During these interactions, I was asked for information to verify the transactions, including my friends phone number. I provided this information as requested, but the bank has stated that they can not locate an account associated with my friends number. This does not make sense, as my friend does not hold an account with Capital Onethis was simply a private exchange using XXXX for convenience. 

The banks explanation is unreasonable : if they can not verify the phone number because my friend does not bank with them, this is clearly not something within my control, nor is it my responsibility to address potential issues with XXXX verification process. I am being unfairly penalized for something completely beyond my influence, and I find this entirely unacceptable. 

Furthermore, I requested an apology from Capital One for freezing my account without notice, but they refused to provide XXXX. I believe that as a customer, I deserve transparency and proper communication regarding the actions taken against my account, especially actions as disruptive as freezing access. 

I am seeking assistance from CFPB to resolve this matter. The freezing of my account was unjustified, and the lack of effective customer service and transparency has caused me financial stress. I hope that CFPB can intervene to help restore my account and ensure that Capital One addresses these issues.
Product: Debt collection

I have two outstanding balances on my credit that I do not have anything to do with nor have I ever heard of
Product: Mortgage

I prepaid on my mortgage account ( my payment was sent on XXXX XXXX, 2016 ) to be used toward my XXXX XXXX, 2016 payment. PHH mortgage used that money toward my principal, and then proceeded to send me a late statement stating that I had n't paid my mortgage for XXXX XXXX, 2016. When I complained they " refused '' my claim, and my principal has been docked, along with my credit being affected. When I contacted PHH Mortgage, they stated that they could n't fix the principal amount because they sold my loan. I want PHH Mortgage to be held responsible for the amount that my principal was " docked '' because I had a " late payment. '' I spoke with XXXX XXXX at PHH, who told me that he could n't help me, nor could he forward my complaint to anyone.
Product: Consumer Loan

Received a letter from the company stating my dispute was frivolous and I explained that this debt is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax breach that was in the news in XXXX XXXX. They set up a website to verify if I was impacted. I immediately received a credit monitoring registration date, however I noted that in order to comply with that, I would rescind my rights to being part of any future lawsuits.
Product: Mortgage

I oppose the findings you wrote about my complaint, you failed to address any of my concerns, especially the one that I can not afford the repayment plan. I filed a second complaint because I feel that the following points that based my complaint was totally missed and all you did was make yourself look good in the eyes of the Consumer Protection agency. 

In my second complaint, I let them know that the repayment plan is a total mistake, it was based on wrong information such as income and expenses. 
I emailed SPS a new income and expense worksheet which they totally ignored. 
Another factor is that SPS totally ignored my hardship, currently I am suffering from XXXX and XXXX  XXXX XXXX which caused my income to decrease, SPS did not even mention this. 
They never addressed the facts in why my assistance was withdrawn and why I am ineligible for other options. 
SPS never offered me any new plans or options for me to keep my home, all they do is blame it on the case and desist letter, but the fact is that they keep emailing the same old dumb letters that are absolutely worthless. All they are doing is emailing me repeat letters every day of the week. I send them all back because they do not offer me any kind of hope. 
Why did SPS not honor my XXXX assistance application which has now impacted my life and well being Finally, I think SPS is setting me up for failure and wants me to accept a repayment plan that is incorrect and based on wrong information. I can not accept this plan when its constructed wrong. 
All of these delays are adding extra stress which I do not need, why doesn't SPS offer me a new option so we can resolve this issue as soon as possible. 
If XXXX rejects this complaint, then I forced to keep on writing to them and other agencies, see attached complaint letter.I am suffering from XXXX and received the attached XXXX letter that SPS does not offer any help ( see attachments )
Product: Credit card or prepaid card

I applied and received a card fro XXXX XXXX via XXXX XXXX. Shortly after using card I lost it and got a replacement. The replacement card didn't have the same account number. Most companies change the check digits, but I received a completely new account number which required a completely different login setup to be established. Then because of the replacement Synchrony never journaled the balance from the original card correctly. Given XXXX XXXX  inability to sync replacement cards with original account and poor customer service I canceled the card and paid off the balance. I never revolved. Synchrony after the fact charged a membership fee. I had the fee reversed. Then a finance charge of {$2.00} appeared on the account for the membership fee that was reversed. The {$2.00} was finally reversed. I thought I was done on XX/XX/XXXX! Now I received a letter that Synchrony sold my original account to XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$370.00}. Synchrony didn't journal over the charges from the 1st card to the replacement card correctly! Their accounting is all wrong! Accounts ending in XXXX and XXXX should be closed with a zero balance! There systems didn't reconcile between the 1st account and replacement account. That's pretty hard to do when you don't maintain the same account number!
Product: Credit reporting or other personal consumer reports

The address they have listed for account is a state office in XXXX I do not reside in XXXX they did not provide audit trail or debt validation and inaccuracies reported on consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i mailed and digitally submitted the XXXX bueras my identity theft report about accounts and inquires on my account and nothing has been done its been XXXX days since. they are breaking the law please do something
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to reach out to collector to correct the account status on my report this account below has been paid and full i have attached proof the balance is paid. the collection agency XXXX XXXX did agree to delete this off my credit and it hasnt been done yet. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - this account is paid and full. creditor agreed to remove once paid. factual proof attached.
Product: Checking or savings account

I am the treasurer for our homeowners association in XXXX We have a vendor ( also in XXXX  ) scheduled for a repeating monthly payment, we have worked with this vendor for years. The XXXX check was not received by the vendor but was issued on XX/XX/XXXX. It was cashed on XX/XX/XXXX by an unknown person by XXXX XXXX  in XXXX. The vendor brought this to my attention in XXXX; confirmed it was cashed fraudulently on XX/XX/XXXX. Met with our local PcN bank manager, XXXX XXXX, on XX/XX/XXXX and she filed a fraud report. I received a letter approximately 10 days later stating the check had been cashed, which is what I originally reported. Then received a letter saying they will not help me because a stop payment was not put on the check ( it was already cashed by the time we knew it had not been received appropriately ). I have called PnC customer service no less than XXXX times between XX/XX/XXXX and XX/XX/XXXX, 9 times alone today ( XX/XX/XXXX ). My calls are always met with a mystified person, cant find any info, transfer me without telling me, and 6 times the call has been dropped and no one called me back. I have asked for a direct phone number OR to have the person call me if they call is dropped ; they state they can not make outgoing phone calls. I have asked to be connected with a manager / vice president, someone who I can call directly, to no avail. I can not get a last name or a direct number to continue working with the same person.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see unauthorized inquiries on my credit report, and I dont understand how they got there. After checking my report like I normally do, I noticed these unexpected issues. I even refreshed my browser, thinking it might be a mistake, but they didnt go away. Im very frustrated and ask that my documents be thoroughly reviewed to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes antedates the report by more than seven years. 

15 U.S.C. 1681 s-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: Mortgage

Our home mortgage was sold to PNC Mortgage. We 've never received a monthly statement. Just a coupon book with 12 coupons, each showing the amount of our payment and the date due. Is n't PNC required to send out monthly statements with the information about our balance due?
Product: Credit reporting or other personal consumer reports

Account : XXXX I ask that this company submit the original wet ink note with signature and a copy of the original creditor on the XXXX. The note holder or the equitable title owner are the only positions who should receive payment. 

If the contracts that was signed was taken to be collateralized wouldnt the debit/ credit books balance each other according to Proclamation XXXX Banking Holiday by Congress and XXXX XXXX XXXX in 1933?

Also this account is in collections which means that the business wrote the debt off on a XXXX which is classified as income by the IRS. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.
Product: Debt collection

XXXX XXXX made an arrangement with me for repaying loan. I made XXXX payment XXXX for XXXX dollars and the other was XXXX dollars. I received a threating letter saying because I was XXXX dollars short on my payment my account will be sent to a third party that will sue me for everything I got. Also the debt was XXXX now its XXXX and XXXX XXXX said if I made a payment every XXXX on XXXX I would be ok. Today I called and they begin threatening me and I said I was preparing to make a payment XXXX. They said I promised to pay the entire amount by XXXX which is a lie. Please help resolve problem my goal was to continue making payments until debt is cleared. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX reporting negative reporting on my credit reports despite XXXX police report XXXX and other evidence of the unauthorized fraudulent transactions and charges illegal unauthorized fraudulent transactions and charges that XXXX XXXX XXXX allowed fraudulent charges and fraudulent transactions and charges repeatedly throughout the year XXXX
Product: Student loan

I am the co-signer on a student loan. I called Navient on XX/XX/XXXX on a recorded line asking if they offer lump-sum settlements. XXXX XXXX XXXX XXXX said they do not accept settlement offers but then informed me they offer a full pay-off at 95 % of the total value. I owed {$38000.00} and was given {$36000.00} as the pay-off. We confirmed the amount and the date this offer expired ( XX/XX/XXXX ) and I made the full payment on XX/XX/XXXX via ACH after moving funds from my retirement savings. Two months later I discovered the balance of 5 % was still on the account. I called on XX/XX/XXXX and spoke to XXXX and he went to management and returned to tell me he did not have authority to offer that deal, nor did management want to approve it. He seemingly felt bad that he misled me and acknowledged our conversation when I reminded him it was recorded. Fast forward to today, XX/XX/XXXX, after 5+ hours of multiple calls over the past month, emails, being placed on hold for inordinate amounts of time, I spoke to XXXX XXXX XXXX XXXX, then XXXX XXXX XXXX XXXX and finally XXXX XXXX XXXX XXXX, all from the Navient Office of Consumer Advocates. XXXX reviewed the situation and made me an insulting offer to credit {$180.00} of my balance. I asked if we could together listen to the initial recorded call and she said no, that was the best she could offer. This to me is about principle!
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 : {$380.00} XXXX  XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 have 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 : 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: Credit card

XX/XX/XXXX to XX/XX/XXXX I file a dispute with the company centennial finance nothing was resolved
Product: Credit reporting or other personal consumer reports

XXXX XXXX and trans union have reported unauthorized inquiries on my report. Inquiry dispute letter attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my identity was stolen and I reported a fraudulent account under the name XXXX XXXX who are the collection agents for XXXX XXXX who claim I do not have a loan with them on my credit report with Trans Union. Police report is XXXX. It has been over 30 days and I still have not received a response. Every time I call for for years my account is always held with the fraud team so I can not get access to my report and I am put on hold for 2-3 hours every time. This includes when I call in because their system can never keep my login credentials correct and I am forced to reset every time I log in. Now I am being forced to pay for services I have been receiving for free for decades. I am sick of it.
Product: Credit reporting or other personal consumer reports

The payment information for the month of XXXX and XXXX is not reflected in my creditXX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple UNAUTHORIZED inquiries listed on my consumer report and Experian has failed to remove them. They are willfully violating the FCRA as I have informed them multiple times that these are unauthorized. This is fraud. I have no idea why these inquiries are listed on my consumer reports and Experian has refused to remove them. I am sending off this complaint before I move to litigation. The exhibits that I have attached to this complaint will show my MULTIPLE efforts to resolve this issue with Experian and they failed to comply.