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

I received a new credit card from capital one. I went to set up the online account so that I could see transactions often and pay the bill, however, their system would not let me set the account up. I kept getting capital one error messages saying there was a problem with their site and to try again later. I called them to fix the problem. They said that my SSN was attached to an old car loan that was paid off and because of that it was pulling my old username to use, but I couldn't use that username with a credit card since it was associated with a car loan. They told me they would fix it and it would take 72 hours to take affect online. Fast forward to XXXX, I had used the card several times for a rental car and gas purchases, and I knew the bill was likely coming due even though I had not received any statements via email or regular mail, so I went online to log onto my account to pay the bill and experienced the same issue as before with the error message. I then called capital one again. That was XX/XX/XXXX. They told me they'd look into it and call me when it was fixed. They also told me it looked like some fraudulent activity had been seen on my card. One purchase for {$1000.00} to XXXX XXXX. I never used the card at XXXX XXXX, so I confirmed that this was fraudulent activity. They then canceled the card and issued me a new one. Two weeks later, I still had not received a call about them fixing the online access to pay the bill, a statement in the mail, or the new card, so I called them again. I went through the same song and dance as my earlier XXXX call. I even got disconnected and no one called me back. I then called the next day. The same thing happened. I then called on XX/XX/XXXX infuriated because they were doing nothing to correct the situation and were not allowing me to see my statement to further investigate any fraud that we know indeed did happen. They told me they would escalate the situation higher and they call me when it wasn't fixed. The next day, today, I found out that my new card was not working. I called them to ask why. They said it's because my balance was five days past due. I lost it. I have been trying to lay this bill since the first week of XXXX, but they refuse to send me a statement or allow me online access to look at my statement. With fraudulent activity being on the account, I want to view the statement before anything gets paid. I feel that I have the right to see the statement. I believe that it may even be a federal law. Instead, capital one is stalling so that interest and fees build up first before they allow me to see the statement and pay the bill. This is downright wrong and unethical. Please do something!
Product: Credit reporting, credit repair services, or other personal consumer reports

My perusal information was compromised in the XXXX XXXX XXXX and I have notified TransUnion of this multiple times. I have let them know these fraudulent inquiries should be removed and blocked MULTIPLE TIMES. TransUnion has violated federal law 15 U.S.C. 1681 multiple times and have acted in a way that displays they are willfully and negligently choosing to not comply with federal law. 

They have not done an investigation into this matter and have told me on multiple occasions it is the consumer who has to complete an investigation which shows they have no intention to comply with the basic principle of the federal law. 

I have now included an identity theft report in this response.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from XXXXXXXX XXXX XXXX Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened on XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX Opened on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I am disputing several credit errors on my report. I have made SEVERAL attempts to get this resolved through Fed Loan, ombudsman, FSA complaint, and I also contacted the credit companies. 

# XXXX XXXX XXXX XXXX Accounts need to be closed/PIF : Several Fed Loans are still showing up as active on my credit report through Fed Loan Servicer, thus my credit report incorrectly reflects DOUBLE the amount of student debt which has now impacted my credit. I took out a private loan through XXXX in XX/XX/XXXX. These Fed Loan accounts were paid in full in XX/XX/XXXX by XXXX private secured loan, but all 3 major credit reports are still showing up with a balance on Fed Loans of XXXX {$400000.00} ( see attached credit reports below ) Explanation : I formerly had a accounts/loans with Fed XXXX XXXX. ( See the attached documents as highlighted in the report for the accounts ). 

XX/XX/XXXX : I took out a personal loan to pay off the student debt through XXXX XXXX XXXX paid off these loans. ( See attached documentation/exhibit. ) This was finalized on XX/XX/XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I received a welcome letter from XXXX for the personal student loan. ( See attached document/exhibit. ) XX/XX/XXXX : On the same exact day, this loan was transferred to XXXX ( A Department of Education Servicer ) on part of the Fed Loan Servicer. ( See attached document/exhibit. ) XX/XX/XXXX : I received a Paid in Full status letter from XXXXFederal Student Aid that this was paid in full by my private loan through XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I made my first payment on the privately secured loan to XXXX. 




Who I Contacted -- timeline : Fed Loans : I spoke with Fed Loan Servicer on the phone on XX/XX/XXXX. They indicated that I had to fill out a form to have the information corrected I filled out and uploaded documents several times ( XXXX, XXXX, XXXX ) ; was sent the same form repeatedly to fill out, which I did, without any resolution I also sent them the form with all of the pertinent documentation via regular mail on XX/XX/XXXX FSA : XX/XX/XXXX : Filed complaint with FSA ; case number XXXX ; was received an email stating that I would receive a response within 15 days ; received no response XX/XX/XXXX : I contacted Ombudsman at FSA. The representative stated there is an open case. She is requesting an email be sent to me by the caseworker. 


Credit Bureaus : XX/XX/XXXX : I completed an online dispute form. They came back with results stating that I still had an open account, with open balance, see attached. 

XX/XX/XXXX : Sent regular mail disputes to all 3 credit bureaus via tracked XXXX mail XX/XX/XXXX : I contacted XXXX and they stated that the credit error needed to be fixed by Fed Loan Servicer, but they could see the open balance on my report
Product: Mortgage

I previously filed a complaint ( # XXXX ) with Valley Bank which is the servicer of my loan and this is a new complaint related to a similar issue. I reiterate my claim that this bank is not capable of servicing mortgage loans. Therefore its servicing license should be revoked. The bank frequently makes mistakes in my account that requires me to call/email them and they are not responsive. I am unable to have them fix the mistakes in my statement. The attached file shows an email I sent on XX/XX/year> which has not received any correspondence although I copied several people from their servicing department. 

In addition to this the bank frequently sends me warning letters claiming that I do not have an insurance policy on the related property although they are listed as a beneficiary on the policy and they receive proof of continued insurance. 

I reiterate my claim that this servicer is not capable of servicing a mortgage portfolio since it can not perform the most basic services that a servicer has to provide to borrowers. 

Further, the bank has perjured itself in its response to my previous complaint # XXXX by lying to CFPB and I have evidence to prove this.
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.

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

Dept of Ed Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX US Bankrupt Court Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Product: Checking or savings account

I was applying for a credit card with my credit union and they sent back paperwork in my mail stating that I am with check systems. I have never know about Texas systems until I got Paper in the mail saying why my credit union cant accept me for a loan. Doing my research I see check systems is important. I never cash a check with Bank of America. My Bank of America card was stolen years ago.. I have not seen it. I tried disputing with check systems and Bank of America put me in check systems and I have no idea why.

XXXX XXXX XXXX XXXX XXXX XXXX. I already have dead. The last thing I need is to be in the check system.
Product: Credit card or prepaid card

Regarding the recent Capital One data breach of over 100 million customer records : I am a customer, with two credit card accounts. I found out yesterday, XX/XX/XXXX, by reading the news that the breach had happened, and phoned to find out if I'm affected. I was horrified to be told that the company will not take immediate action, like phoning or emailing affected customers, because that would be a security risk. How ironic, not to mention ridiculous, is that? I get email notifications about security issues from other credit card companies, like XXXX XXXX. So that's a totally XXXX  excuse. 
Instead, we have to wait 7 to 10 business days!! for a snail mail letter to arrive. That's up to two weeks! This is outrageous -- up to two weeks before we will be offered any kind of protection or will know whether we have to take what might turn out to be unecessary drastic action such as freezing our credit records. 
Capital One is not moving fast enough or smartly enough. Nearly everything they've done regarding this breach, including how it happened in the first place, indicates their understanding of cybersecurity issues is abysmal. Please make them do a better job of contacting customers who were affected ASAP.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX XXXX XXXX  Account Number XXXX  on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a 1099-C form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no 1099-C form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the Dodd-Frank Act, 12 U.S.C. 5531.
Product: Payday loan, title loan, personal loan, or advance loan

Installment loan was obtained to cover the expense of my solar equipment. It required a balloon payment to be made by a specific date in order to maintain loan payments at the original rate. I spoke to the company in advance of the required date to confirm the amount and ensured that the payment was submitted before the required due date. The loan is on automatic monthly payments. Because I made the balloon payment, the company chose to stop my auto payments, causing the balance to be short of their 'target balance ' and therefore did not re-amortize correctly. When I called and questioned why they had not taken my scheduled payment, they processed the payment but did not re-amortize the loan. Because the XXXX payment was stopped and taken manually off-schedule, the XXXX scheduled payment was not taken. I purposely set the loan to pay automatically so that those payments would be taken every month, without interruption. I did not give them permission to stop those auto payments and their decision to not keep to the payment schedule I established has caused me to pay more interest based on the inaccurate amortization schedule. If they overrode my automatic payments to stop them at their discretion, they must be doing that to others as well.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

To whom it may concern, Reference : green tree denial letter dated XXXX XXXX,2015, Labeled # 1Income was incorrectly calculated not based on correct DTI or NET INCOMEReference : green tree denial letter dated XXXX XXXX,2015 Labeled # 2This hardship is temporary and has been resolved ; I still need a loan modification to lower my monthly payments so I can keep my primary residence and increase my earnings. 

Reference : green tree denial letter dated XXXX XXXX,2015 Labeled # 3Gross income and DTI were calculated incorrectlyReference : green tree denial letter dated XXXX XXXX,2015 Labeled # 4From my understanding, I qualify for a streamline modification because my credit score is under XXXX and AGAIN MY INCOME WAS CALCULATED INCORRECTLEY AND MY DEBT TO INCOME IS not AccurateResolution ; I would like to see patterns from green tree lending on Debt to Income miscalculations and denials of modifications in error I am requesting a review of all financials by a qualifying manager, or VP whom has an understanding of XXXX individual, which may include review by a CPA or any qualified individual that is familiar with sole proprietorships. 

Modification has been in review since XXXX 2015, with no Final resolution. 

Green Tree is threating to foreclosure on my primary residence. I am not current on my payments and this letter is inaccurate. 

I am requesting my complaint be forwarded to the Department Of Justice and FDIC for further investigation of misrepresentation and inaccuracies for those indicated in my letter, but others with the same issues/hardships due to the economy. 

Respectfully and Humbly, XXXX XXXX
Product: Bank account or service

I opened an account at XXXX ( USAA ) around XX/XX/XXXX. Shortly thereafter, I became joint owner on my roommate, XXXX XXXX 's USAA account. In XX/XX/XXXX after I realized he had met financial difficulty, I asked that my name be removed as co-owner from his USAA accounts. I was able to do this through my own online account access. I completed the process and was successfully removed from XXXX XXXX 's account. I am attaching screen captures reflecting the completion of this process along with a confirmation from USAA indicating my request was complete. 

In the meantime, XXXX XXXX amassed obligations to USAA for an overdrawn account - the same account on which I was previously listed as an owner - and in the end, his financial obligations to USAA were discharged via Chapter XXXX of the United States Bankruptcy Code. However, even though I was successfully removed from XXXX XXXX 's account, USAA has blocked my own account access and services and has informed me that I am indebted to them in the same amount XXXX XXXX was indebted. 

Several months ago, I phoned USAA 's customer service, and without disclosing my name or account number ( I told the representative I had generic questions that were not account specific ), I inquired about the process to remove oneself from an account where he is the joint owner. Specifically, I asked if an account has a negative balance, is it possible to remove oneself from that account using USAA 's online services. The representative told me that it is not possible to complete such an action ; and that if attempted, the system would block it and return with a message requesting the member contact customer service for further details. 

I was removed from this account as co-owner BEFORE XXXX XXXX became indebted to USAA, yet USAA is continuing to hold me liable for this balance, and they are preventing me from accessing their full suite of services - services I would otherwise be eligible to access. Not only am I unable to view previous account data and records, I am unable to use the accounts I have housed with USAA. 

I was under the distinct impression that in taking action as soon as I discovered the joint-owner 's financial situation, I was protecting myself from liability and demonstrating that I did not contribute to this account mishandling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX are reporting on my Credit report that payments are late which i never set up any payment plans or nor have I agreed to pay and they have considered trying to validate these debt which is not enough evidence for me to know if these are truly my debts to pay and if they actually purchased these debt from the original creditor they so called purchased them from. There is no documentation showing my signature and where I agreed to any of it.
Product: Mortgage

This company has apparently had some sort of a security breach. However, that is not confirmed as the company itself has been silent on what is going on. They are not answering their phone calls- at one point they answered and said the system was down but didn't know when it would be back up, and now the automated system hangs up on you when you call. It has now been weeks of them not answering. There is now a memo floating around from a company called XXXX XXXX advising customers of Harbor One LLC to NOT given them any money. 

If the company is not able to protect their customers data, and they are not able or willing to provide a plan and timetable that they will be back up and running, they need to release the lien they have on my home.
Product: Credit card

I believe I was wrongfully charged interest by this bank via very deceptive billing practices. 

I am currently on a 0 % XXXX Promotional rate on purchases for credit card account number XXXX until XX/XX/year> However, I have been charged a total amount of {$110.00} in interest on purchases on this account via very deceptive billing practices. 

I am seeking a resolution of crediting these interest charges back to my account as a courtesy I have been very longtime loyal card member and have been banking with Bank of America for several decades. I have never missed a payment and this is a very unfortunate issue as a longtime customer to be experiencing. 

I am seeking a resolution to this issue.