23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 2 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 it also states a consumer reporting instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Consider this as a follow-up to my previous attempt to file a complaint Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My loan was transferred to PHH on XX/XX/XXXX. I received a notification that PHH would be taking over the processing of mortgage payments. I was advised that no action was required on my part, except the payment address. I was on bi-weekly automatic withdrawals from my bank for years so I changed payee mailing address and I thought I am done. 
When I checked my first statement from PHH I found out that I am overdue for my payment. It was surprised, since I am on biweekly payments and always ahead of my due date. My 1 st due date with PHH mortgage service was on XXXX, XXXX. PHH company received my payments for this due date on XXXX, XXXX XXXX XXXX {$830.00} XXXX and XXXX, XXXX, XXXX XXXX {$830.00} XXXX, it was showing on my account activity.. 
So I called to PHH mortgage immediately and explained that I am on biweekly payments and already submitted my payments for XXXX by XX/XX/XXXX. The PHH representative told me not to worry about it and as he said he sent request to fix this problem. Unfortunately, it was not fixed. I called several times ( needless to say 40 minutes on hold ) and send emails, but nothing done. PHH Mortgage services misapplied my regular payments as principal pay down and then reporting the payment as late. Now it's a domino effect. PHH imposed the late fees on my account and refused to waive it. Its a night matter. 
PHH were not able accurately serve its customers.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This began with XXXXXXXX XXXX, submitting payment in the amount of {$1200.00} to Wells Fargo for payment, which was the incorrect amount that was due, soI had to put a stop payment on the payment, and no other.When I called Wells Fargo and told them to stop payment on the submission, they stopped payment on all submissions from XXXX XXXX   which was incorrect.I did not tell them to do this, and I was not informed, that this would happen.I received an alert from the credit bureau, informing me that my credit score had dropped 100 points, because of late payments to XXXX XXXX, I was shocked in disbelief, because I knew had paid this bill, and was never late.I then called XXXXXXXX XXXX  XXXX for an explanation, and was also told the payments were stopped, I informed them, I never did this, and I would call Wells Fargo.I called Wells Fargo XXXX and was told we put a stop payment on the name of the bank, which means we return all payments, and you never called to have it reversed.I then told this person, that I was not informed, that this would happen, because you never told me about your stop payment policy, of denying all payments, when you mean one, you should have contacted me to verify, now my credit is ruined, because ofwhat you did.I asked Wells Fargo to write a  letter and fax it to XXXX XXXX XXXX explaining the situation, that I did not place a stop payment on all their submissions.I was promised by a customer svc.rep that she would fax it over right away, which was on XX/XX/18, but she lied to me, the bank said they never received any such letter.Then on XXXX, I called back and spoke with a supervisor, and was told we have to investigate this matter, instead of taking care of the matter, in regards to faxing the letter to XXXX XXXX XXXX as promised.These people donot care about their customers.If this matter is not resolved promptly, and my credit score restored, I am going to seek legal counsel, to have it resolved.
Product: Credit card

I received notice someone applied for a credit card. I called and credit card company stated someone applied for a credit card Venture Visa card. It was not me. We have canceled the card and it has been flagged.
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, Account name : XXXX XXXX Account name : XXXX XXXX Account name : 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 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

REGARDING ACCOUNT LISTED BELOW THAT DOES NOT BELONG TO ME ON MY REPORT. 
I am requesting you to validate the debt on this account. Please send me my original signature of account and anything that identifies that I applied for this account and all payments made and how they were made if it was online and or a check and copies of checks within 30 days. Or delete this account I have the right to validate this by FCRA law. 
XXXX XXXX XXXX PH # XXXX XXXX XXXX ACCT # ORIGIAL CREDITOR XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2023. 
CHARGE OFF COLLECTION {$3400.00} BEST REGARDS, XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

CFPB Complaint for Difficulty Unfreezing Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX - XXXX XXXX I am filing a complaint against XXXX, XXXX, and Experian for refusing to unfreeze my credit report. 
I attempted to unfreeze my credit report on [ XX/XX/2024 ] at [ XXXX, XXXX, EXPERIAN ] by calling their phone numbers. 
I repeated this proces on [ XX/XX/2024 ] at [ XXXX, XXXX, EXPERIAN ] with similar results. 
I believe I have the right to unfreez my credit report according to the Fair Credit Reporting Act ( FCRA ). 
I request that the CFPB investigat this issue and ensure that all three bureaus ( XXXX, XXXX, and Experian ) unfreeze my credit report immediatly. 
I want my Credit report unfrozen, Ive aslo wort them all letters as well. 

Signature XXXX XXXX XXXX
Product: Checking or savings account

It wasn't easy to see money deposited into the available account, as well as the withdrawals.
Product: Debt collection

XXXX XXXX placed an account in collections with XXXX financial services. I am a XXXX XXXX and I have no knowledge of XXXX XXXX and never attended this institution. Ive tried to dispute this account and explain that over and over. Ive even requested records that Ive attended this school and can not get any proof. This company has been involved in a lot of lawsuits from what I can see.
Product: Checking or savings account

I bank with Capital 1 and on Thursday, XX/XX/year> I did not get my direct deposit from my employer and it is now going on 48 hours, and my direct deposit from my employer has not been uploaded to my account. I have contacted Capital One twice and they are not saying when this problem will be solved for my funds to be in my checking account. All they are saying is that they are experiencing technical issues but do not have an estimated time when I will receive my phone and now I am not able to pay any of my bills that were supposed to be paid on Thursday, XX/XX/year>.
Product: Student loan

Immediate Credit Recovery Inc is the company attempting to get money from me. I did not even know they existed until they started garnishing my wages. I filed BK and when it discharged I got a letter from them in XX/XX/2018. I called and spoke with a representative about rehabilitation. She was not performing the rehab correctly and was not very helpful in trying to get this worked out. I called back to see what other options we had only to be hung up on and now not other phone call or contact and just got notifed about them taking garnishment again. I am in a rehab with another servicer and consolidation with XXXX. They do not care to work things out and it is clear they fully intend to only get their money through garnishment to claim a higher recovery. This can not continue especially since I have XXXX children and a total of XXXX in my house hold.
Product: Credit card or prepaid card

I have attached the prior complaint detail ( XXXX ) and the statement showing a balance of {$40.00} sent to me via email from CitiBank. I have also attached CitiBank 's response. 

The aforementioned complaint was closed after CitiBank asserted that my account had been closed and that I did not have a balance due. At the time of the original complaint the amount showing due was {$20.00}, that has now grown to {$40.00}. Just for additional clarity, here is an excerpt from the original complaint to provide some context : On Thursday XX/XX/XXXX, I received several alerts that my card had been used to make several large purchases that I did not make. The purchases totaled over {$1000.00}. I live in XXXX and these transactions were conducted in XXXX. The perpetrator was attempting to pickup the items at a store in XXXX, XXXX  I immediately cancelled the orders on XXXX and then called the XXXX number to dispute the charges and report the card as stolen. I logged in again the XXXX day and identified XXXX more fraudulent transactions. Since the card had been closed, I was no longer able to cancel or dispute the charges online so I called the same number and they told me that they could not verify my identity. 

I am filing a new complaint because CitiBank still has not closed my account and is still showing a balance due from the fraudulent charges.
Product: Mortgage

I am upset with the way Ditech has handle my loan. I have applied for a modification since XXXX XXXX. I faxed all the additional documents that were requested by Ditech and have yet to hear from them. I honestly thought I was being helped but I have been deceived. On XXXX/XXXX/2016 I spoke with agent XXXX Id # XXXX from the loss mitigation department and was told there were no new notes regarding my loan and that it was not yet with the underwriter. This was a major shock for me because I have done my part and provide everything I was asked for. Ditech has prolong my case because I am current on my mortgage payments. I had to escalate my file and spoke with manager XXXX ID # XXXX on XXXX/XXXX/2016. I told him my concerns and he reassure me that he was going to notate my account so when I call I can be provided with an update. I called today XXXX/XXXX/2016 and spoke with agent XXXX ID # XXXX. She just told me about the conversation I had with XXXX on XXXX/XXXX/2016 but again there were no new updates available At this point I am more than sure that Ditech is purposely prolonging my case so I can keep making the high mortgage payment knowing that my home is severely under water. I want my loan to be review based on the current value and my monthly income. Please considered me for the My City modification.
Product: Student loan

I have been paying additional amounts on my monthly payments in order to reduce the principal. I have just found from dealing with the company that additional amounts I have been paying since XX/XX/2012 have not been applied to principal. Instead the company have been holding the funds for future payments in a " paid ahead '' status. 

Basically holding my money and indefinitely pushing it forward in time to future payments instead of applying it to principal. This is a problem because I am paying the money now to reduce the principal on which I am paying interest. But they are not applying it to the principal, so they have my money, have not reduced my principal and are still changing me interest on the full amount. 

I had NO IDEA this was happening. I have been paying a lot more each month to reduce principal and apparently they have just been holding my funds. 

As of today, after speaking with a rep, they said they have taken off the " paid ahead '' status on my account. :
Product: Credit card or prepaid card

A well intentioned, poorly trained Fifth Third Bank representative tried and failed to setup automatic payment as promised, which caused the XX/XX/2018, late payment issue on a new account. The fault resides with Fifth Third Bank. Evidence of the bank representatives actions have been supplied. Once an alternative automatic payment approach was provided by representative to customer in XX/XX/2018, the customer did the setup, and all future payments were automatically on-time. There is still {$130.00} of late fees the bank has not refunded yet due to the banks actions and lack of actions as was promised by their local bank representative. Although a late payment happened, the funds and automatic payment method were available to the bank representative well in advance of payment due date. 

XXXX, XXXX, and XXXX disputes were logged, but not resolved because FifthThird Bank has not addressed correcting that the XX/XX/2018 late payment was due to FifthThird Bank. This action by FifthThird has cost several tens of thousands of dollars, maybe hundreds of thousands of dollars, of declined credit. This is the only late payment on 6 years of credit history. 

FifthThird Bank advertises great customer service. The public and I expect better. I appreciate the CFPB 's help righting this 2018 situation.
Product: Mortgage

I had a home mortgage with Right Start mortgage. Sold my house the middle of XXXX. Its now the middle of XXXX and I still don't have my escrow refund check. I called the company in XXXX they said they mailed it to the old address and it probably came back. I don't believe they mailed anything because they new I just sold it so why would they send there. So, I called and they said I had to do a change of address. They were supposed to email it to me why they did not call me or email me when it came back I don't know they have all that information any way, they sent the wrong form so I called again and this time they sent the right form It was filled out and faxed back to them. Then they said I had to wait 5 days and call them again to request they reissue the check. I did that and they said it would take 30 days to process which I don't understand since it had already been processed. Its been well over 30 days and still no check when I call all they tell me is its being processed. Its been over 4 months and they should not still be holding onto my money. I sure hope they pay me interest as well. I really don't think is legal for them to hold onto money that is not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

Capital One bank does no longer accept a Passport as a " Personal Identification '' proof. 
I applied for a secure credit card with Capital One and the application was granted on XX/XX/XXXX. I paid the security deposit, they sent me the card, and I was notified to call them in order to activate it. 
On XX/XX/XXXX I called them and they asked me to provide 3 additional documents : personal identification, proof of address, social security card. In the call I mentioned that as a Personal Identification document, I can provide my passport ( I am not a US citizen ), and they said it will be sufficient. 
On XX/XX/XXXX I called their customer support service to check up on the application process and they said they no longer accept passports as a Personal Identification document, they also mentioned they changed the policy in question during the last weeks. I asked them to sent me a letter with the reason for suspending my account in writing and they said they are not capable of doing this. 
On XX/XX/XXXX ( next day ) I called their customer fraud protection department asking them again the same things regarding my application. When I was told that my passport was rejected as a Personal Identification document, I asked if this rejection is lawful under US law and if the account suspension violated our terms of agreement. I got a very vague answer and when I asked them to connect me to their legal department, they replied they don't have a legal department. I asked them to give me in writing the reason for suspending my account and told me again that they are not able to do that nor connect me to any other Capital One representative that can do that or help me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act USBK COURT XXXX Docket # : 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
Product: Checking or savings account

Dear CFPB, I am filing a complaint regarding repeated delays in receiving my weekly deposits from Capital one, which has caused significant inconvenience and financial stress. Despite the agreed-upon deposit schedule of XXXX  XXXX, my deposits have consistently been delayed. These delays have disrupted my ability to manage essential expenses. I request immediate resolution to ensure timely deposits moving forward, a thorough investigation into the cause of these delays, and compensation for any fees or financial losses incurred. Please let me know if additional information or documentation is required.
Product: Debt collection

I only first learned of this debt of XX/XX/XXXX when I was notified this collection hit my credit report. I immediately sent a certified letter requesting verification of the debt and information on it as I had never heard of Contract Callers   before. I followed up with a phone call the following day in which I disputed the debt once again and requested verification of the debt. Especially as it was being reported as a new debt with a date of XX/XX/XXXX, when in fact I learned after speaking with them the original date of delinquency for this account with the city of XXXX was close to 8 years prior. Furthermore, at the time I did not live in XXXX, nor did I have an active account with the city of XXXX. Even worse, years after this debt was past due I opened a new account with the city of XXXX without any trouble or notice from them at all. At this time were given my most current address, to which I have yet to receive a single shred of notification or verification of this debt. 

Even worse, Contract Callers has repeatedly violated the FCRA by continually reporting and flagging this account as a collection on my credit reports. Not only have they reported the same debt more than once, they have failed to include that the debt is under dispute or provide me with any notice of my rights, notice or verification of this supposed debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is my name sent a copy of my social driver licencne and so forth they still continue to report two  accounts that when I call som others woman information comes up told this to the beuros but they keep insisting is me asked for proof of the debt directly from the creditor they did not send me anything to me but when directly to XXXX equifax and XXXX and requested that my file be locked to me by them is this possible? it seems i get the run around and after several calls back i give up help me please!!!!
Product: Vehicle loan or lease

Hello, I opened a auto loan with Santander Consumer USA in XX/XX/XXXX. The original note amount was XXXX. I admit, I have been late on some payments but I have ALWAYS paid them to include all late fees. Recently, in XX/XX/XXXX I found out my outstanding payoff balance is {$16000.00}, I messaged them and asked them why? They told me it was because of the way payments were made to my account. That is absolutely ridiculous. In FOUR years, I have paid {$13000.00} of which {$11000.00} has gone to interest, {$270.00} has gone to " fees '' and leaving only {$2100.00} going toward the actual principal. I formally asked Santander for a refund. My balance owed should be {$4100.00}. I have reported them to the XXXX XXXX XXXX and the Attorney General 's Office for the State of New Mexico since I found this out and have had no action in my favor thus far. I believe this is theft and they should be prosecuted. The interest they are charging is absolutely wrong and criminal! Please help me solve this matter. 

Thank you. 
XXXX.