23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My checking account was hacked and I had to be the one to catch it due to my creditors contacting me. It shows that they used different devices or ways to access my account. The did bogus claims on my account. From what the banker explained to me that they would have then gone back and took that money out of my account. Its caused some of my utilities to be possibly cut off. Or the threats of plus fees. Chase then took the money back out of my account to send to the creditors but never received the payments. Now Chase is stating they will have to possibly take the money out of my account a second time. So Im being robbed twice. I have reached out to the bank manager, her boss. Neither have attempted to contact me other than the banker who is doing nothing but being rude and disrespectful. It seems that there is nothing that I can do about this. Its very stressful and Im on a fixed income. I am a combat war veteran who is stuck with no help. Can youll please do something any little thing will help. Please Im begging for help. I appreciate any help at all I can get please. Im possibly going to have to take them to court.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CITICARDS CBNA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

I have called Midland Funding LLC and they stated that the last payment was made on XX/XX/2016. I was currently past due and was making partial payments for 11 months prior to that date. According to the FCRA the original past due date is the date that is required to be reported, not the last payment date.
Product: Debt collection

I asked them to show me prove and they hung up on the phone. it is on my credit report and it is damaging it. they just sent me a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Equifax data breach. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! XXXX is not admissible. This is according to the XXXXl rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the account is still reporting.
Product: Student loan

Several months ago, I called Navient to update the bank account on file for my automatic payments. I 'm in a program, where I pay a lower amount with automatic withdrawals. I also changed the payment date for that month. The rep that I spoke with did not update the bank account on file. Once I realized what happend, I was over a month behind or more. When I called Navient, the only help I was offered to stay in the payment program is to set up new payment dates, update the bank account on file. Which I did. I was told, that I can do a forbearance once the program expires in several months on the past due balance. I was also told the collection calls to me and my co-signer ( My Mom ) would stop. Several weeks to a month later, Navient began calling my Mom at work several times a day, making false statements that my payments are not going through, they are declined due to a wrong credit card number ( I do n't pay with credit cards ). They are demanding that she makes my student loan payment. 

I called Navient back. The rep I spoke with was very rude. She advised, that she will not stop the phone calls to me, or my Mother at work. I explained that I am in a repayment program, with future payments scheduled. She said, she will not stop the calls to Mom at work ( that 's a violation of the fair debt collection act ). My Mom, keeps getting phone calls each day, despite me having payments set up. Navient is also discussing other loans, without her name on the loans with my Mom, discussing my overall balance, amount owed and etc. Also, after 3-4 years of making payments, my balance has n't even went down on my loans, it has instead increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent ACCOUNT # : 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 XXXXXXXX US DEP ED ACCOUNT # : XXXX US DEP ED ACCOUNT # : 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 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 XXXXXXXX DEPTEDXXXX  ACCOUNT XXXX : XXXX US DEPT ED has violated my rights 15 U.S.C. 1681 Section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

on XX/XX/XXXX I checked my acct and noticed a transaction for XXXX for a room at the XXXX hotel in XXXX booked on XXXX I called wells Fargo and reported and unauthorized transaction they filed a fraudulent charge and closed that debit card and issued a new one the transaction was made on XXXX it appears that my card had been hacked or my acct had I normally get notices for transactions which are not normal practices but I didn't this time I have not received the letter yet but when I checked with the claims debt they advised me my claim was denied on XX/XX/XXXX and I authorized the transaction I am XXXX XXXX XXXX I receive a pension I do not have a passport and no one has access to my card I'm in XXXX XXXX  we are having issues here which may be why I haven't received the letter I believe if it was properly investigated they would be able to tell it was not thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two times, from XX/XX/XXXX thru XX/XX/XXXX, a hard inquiry was placed on my personal credit file. First, by XXXX on XX/XX/XXXX, initiated by LOAN DEPOT. Second, by XXXX XXXX XXXX on XX/XX/XXXX, initiated by XXXX XXXX. Both instances involved repeated solicitations by both LOAN DEPOT & XXXX XXXX, offering me lower mortgage refinance rates. I never gave either of them permission to run my credit and actually had a LOAN DEPOT " customer care team lead '' named XXXX XXXX, agree to remove the inquiry via XXXX on grounds that they didn't have my authorization. I have saved email correspondences with signed agreements that they NEVER honored. I have tried to follow up with LOAN DEPOT via email to XXXX XXXX twice in XXXX, XXXX, but to NO AVAIL. XXXX XXXX is the most disturbing because I have an existing mortgage with them and they ran my credit without my authorization after soliciting my business thru repeated cellular phone calls. I asked them what interest rate I could qualify to refinance my existing mortgage WITH THEM for and they NEVER told me they were going to run a hard inquiry on my credit. I tried MANY times in the Fall of XXXX to have them reverse the inquiry and they were EXTREMELY RUDE and UNAPOLOGETIC. That's not the way to treat someone who is an EXISTING CLIENT and has a XXXX mortgage with your company! I am currently in the process of refinancing and having another bank buy out my mortgage from them. They will NEVER see my business EVER AGAIN. I only submit this dispute with you because I have XXXX credit and their inquiries have actually damaged my credit. I hope that these two companies will come to their senses and just GIVE UP their predatory & usurious conduct. This is not what this country needs right now. We need HONEST people helping eachother, not PREYING and damaging their economic viability. Thank you.
Product: Credit reporting or other personal consumer reports

Past due payment of 30, 60 and 90 days where reported to credit bureau illegally under US sec 15 USC 6802 B ( opt-out ) .This report was opened on XX/XX/year> under XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my private information, including social security number, and evidence shows they took inadequate precautions to safeguard this info.
Product: Credit reporting or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX XXXX XXXX : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

On XXXX/XXXX/2014 I entered a contract with GE Capital Retail Bank to finance {$430.00} with no interest if paid in full within 12 months. 
I have record of payments made on XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 XXXX and XXXX/XXXX/14 XXXX. Synchrony Financial bought the contract without my knowledge and began sending bills in XXXX 2014, and late payment fees continuing to present date at a current balance or {$220.00}. 
I owed {$430.00} within 12 months and repaid XXXX within 5 months. Synchrony Financial has also destroyed my previous credit score XXXX to currently XXXX. I have tried to reason with them with no success.
Product: Credit reporting or other personal consumer reports

these accounts are involved in litigatiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exist
Product: Credit reporting or other personal consumer reports

Dear CFPB : I am in disagreement with the closure of the claims I submitted against XXXX, Equifax and XXXX regarding three very inaccurate outdated accounts under my social security number and credit report. I mailed nearly 12 letters of investigation requests and the credit bureaus are not doing what is requested. I will re-attach dispute letters that I have sent along with the screenshot of a specific account that is completely in violation. This account is reporting passed the statute of limitations yet is constantly being re-aged to reset the statute of limitations on when it will come off of my report. None of the dates are accurate across these three credit bureaus. I would like to exercise 15 U.S. Code 1681i ( 5 ). 

XXXX XXXX XXXX- This account is completely inaccurate and violates the FCRA U.S. Code 1681 ( e ) b Accuracy of report. This account has the date of last payment listed under two different years ( XXXXXXXX XXXX XXXXXXXX ). Updating this account with misinformation is against the law. This entire account was never validated and it still reads " account not disputed ''. Failure to enter that this count is in dispute is a major violation. 

XXXXXXXX XXXX  - This account has late payments listed everywhere and erroneously XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This company can not provide proof of such late payments. How are there 6 late payments under Equifax, 5 late payments under XXXX and 7 late payments under XXXX? This is entirely inaccurate, unfair and unverified and violates 1666b which is a clear error in the timing of payments.

Ability Recovery - This account violates the HIPPA law or would if the credit bureaus could even retrieve validation of this account that I have requested under 15 USC 1692g. Since medical information can not be shared without one 's consent, validation has never been provided as requested. How does this account belong to me? Where is the original contract or bill of this account? It can not be proven as mine AND there is no notice that this account is in dispute which also is a violation of 1681i ( 2 ).
Product: Credit reporting or other personal consumer reports

Subject : Complaint About Misleading Foreclosure Reporting by M & T Mortgage Bank Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding misleading and deceptive credit reporting practices by M & T Mortgage Bank. Specifically, they have reported that a foreclosure was initiated on my mortgage account, despite the fact that I paid the mortgage in full and in accordance with the terms of the contract. 

The report from M & T Mortgage Bank stating that foreclosure started is misleading because the contract does not include any provision for reporting such an event if the account was paid as agreed and settled in full. The reporting of a foreclosure, despite the account being paid off, has created significant obstacles in my ability to secure a mortgage from other lenders. These lenders have been unwilling to approve me for a mortgage due to the false foreclosure reporting, forcing me to seek a loan directly from M & T Mortgage Bank, who is aware that the account was paid in full. 

This reporting is not only deceptive but also harmful, as it misrepresents my credit history and falsely implies that I engaged in a short sale or other foreclosure-related actions. This could impact my ability to obtain credit or loans in the future. 

I believe this misreporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting by all credit reporting entities. I respectfully request that the CFPB investigate this matter and help ensure that M & T Mortgage Bank corrects the false information on my credit reports.
Product: Mortgage

On XX/XX/2020 I was contacted by XXXX XXXX XXXX about an ability to refinance my loan. He said that he could with a XXXX credit score and lower interest rate than 3.5, which is my current interestrate. He sent an application to my email the same day. On XX/XX/2020 I followed the steps that the application wanted me to. The application asked for all kind of documentation that I sent. Tax returns pay stubs for past year. A copy of my dd214 from military. On XX/XX/2020 I received a call, after I uploaded all the info that the application asked me to, from XXXX XXXX XXXX who told me he had been trying to call me. He said he couldn't get me and that my voicemail wasnt working. He told me that he needed to run my credit. He also said that I jumped the gun on uploading all these documents. I told him that I was just following the prompts of the application he emailed me. He ran my credit and immediately told me that he could not do what he said. I asked him to delete all of my records that I sent his company and he said he would. On XX/XX/2020 I called back because all of my financial documents are still in there system. When I called on XXXX XXXX I talked to XXXX XXXX XXXX and asked him about why my files have not been deleted, he said he forgot and that he would jump right on it. I waited 2 more days and then called again, because my files were still there, and I couldn't get XXXX XXXX XXXX Loan Consultant NMLS # XXXX XXXX On the phone. I talked to customers service to find out if there is another way to help me. Customer service told me the managers said that they could not do this. I have been getting calls from different strange numbers since I filed with this company and I feel like they should not be holding my personal financial information like they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate credit information on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be removed immediately : Account name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX, XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, _________________________________________ XXXX XXXX
Product: Vehicle loan or lease

Alliant Federal   Credit Union is charging me for forced placed insurance on a vehicle that has excellent coverage. I had XXXX XXXX and I switched to XXXX XXXX. Alliant sent me a notice in the mail to verify coverage online with a third party. Ultimately, Alliant is responsible to the government and to the consumer if their third party vendors do not handle issues for customers in a timely fashion. Alliant ONLY allows verification of insurance through a third party. I have uploaded information and called multiple times. I can not get through to the insurance department which is not even at Alliant to verify my information. I have called Alliant, with whom I have my loan to provide this information, however, they refuse to accept it. They have thus increased my monthly installment, which will have negative effects on me as a consumer : increased monthly payment, more interest for Alliant, and negative credit reporting because I am not paying them for something that I have. This is a DECEPTIVE PRACTICE! Insurance XXXX Customer supervisor took information and did NOT assist. I would like for Alliant to be sanctioned! Alliant passes the buck to the third party, however, I can't make my monthly payments to a thirdparty etc.
Product: Credit card or prepaid card

I was charged {$49.00} for both XXXX and XXXX. My XXXX bill- there was no warning that I was under by XXXX XXXX. The representative that reached out, XXXX, is not helpful. Prefer to have someone else as XXXX is not good at finding a resolution and instead just stating I would have to XXXX up paying {$49.00} late fee despite not warning it was under by a mere XXXX XXXX. 

I also noted upon review on XXXX that there were some current customers who were indeed refunded the {$49.00} fee. How come some customers get refunded and others do not? It is an unfair practice.
Product: Debt collection

Capital One Bank is attempting to collect a debt I already paid and I provided Capital One Bank proof of payment more than once. In fact, Capital One Bank provided me a copy of my XX/XX/2020 Capital One Credit Card Statement which indicates a balance of {$0.00} dollars owed and a minimum payment due of {$0.00} dollars. My XX/XX/2020 Capital One Credit Card Statement indicates transactions in the amount of {$790.00}, even though no transactions were made by either myself or my wife during the immediate previous period. And in fact, we discontinued using the Capitol One Credit Card in XX/XX/2020. 

Finally, I have provided Capital One Bank a copy of my XXXX XXXX XXXX statement for the period of XX/XX/XXXX to XX/XX/2020, as proof of payment of the {$790.00} in transactions claimed. This amount was deducted by Capital One from my XXXX XXXX XXXX account on XX/XX/2020. In addition, I have already disputed any amounts Capital One Bank claims I may may owe at this time, plus and interest or late fees claimed. If an error was made, it was by Capital One Bank and not me. Without a detailed explanation, which is yet to be provided, I can not pay any amounts claimed by Capital One Bank. If an error was made by Capital One Bank in its accounting, I certainly should not pay any interest or late fees charges claimed as well.
Product: Debt collection

I sent two cease and desist letters to Portfolio Revcovery Associates concerning a debt that is past the statute of limitations. One letter was sent on XXXX XXXX, XXXX another letter was sent XXXX XXXX, XXXX. The debt collector has ignored my requests to cease and desist. The most recent phone call is on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, also date of last payment, and no. of months inaccurate. This grounds for removal. 

These Accounts include : XXXX Account # XXXX They also violated my rights under : 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.

I haven't given these accounts written permission to furnish these accounts on my credit report.