23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid for the first two quarters of real taxes to my town last XX/XX/XXXX. I informed my mortgage lender Santander Bank about it but the Bank went ahead and paid the taxes for the first quarter of this year. I informed my town about this double payment and it returned the amount paid by the Bank on XX/XX/XXXX. i do not have escrow account and asked the bank to refund the money back to me. till today i.e. XX/XX/XXXX, it did not return my money. This is Bank which charges exorbitant fees towards non-payments n late payments if we happen to do it. I want you to hold this bank also responsible asking them when they did get the money bank and the reason for its non-payment with stiff penalty n ask them to return my money with interest. 

Thanking you, XXXX XXXX.
Product: Credit card or prepaid card

I XXXX XXXX XXXX XXXX XXXX XXXX, printed in conspicuous form that the tendered payment was FULL SATISFACTION OF CLAIM and I mailed it to address provided for mailing payments as stated in the AFFIDAVIT OF TRUTH FOR FACT FOR RESPONSE OR REBUTTAL IN 30 DAYS OR DEFAULT ET AL. All mailed instruments/ documents were an : Affidavit of Truth For Response Or Rebuttal Within 30 days of Default ET AL , Exhibit A " Accepted '' State of account and returned for Deposit Entry for credit card Account ended in XXXX & account ended in XXXX, Exhibit B - Postal money order instrument Number ended in XXXX, Exhibit C - Back of the Money Order, Exhibit D - Money Order Status ( money order has been cashed ), Proof of Service and Delivery. This satisfaction of claim sent to Capital on XX/XX/2023 and delivered by XXXX on XX/XX/2023 to an representative of Capital One. The Exhibit A Deposit was not discharge or applied to my account as stated in XXXX XXXXXXXX. Capital One accepted the terms on my contract and has now Breach the Contract for failing to commit to performance obligation to discharge this matter and show a accurate statement of account ender in XXXX & account ended in XXXX. I have issue three tends of Payments to Capital One and all have been accepted and cashed. I asking for Capital to honor my Deposit and Money Order by giving my credit back to accounts ended in XXXX & XXXX.
Product: Debt collection

On XX/XX/2020 a message from XXXX XXXX at XXXX was left on our departments voicemail stating I had a debt and who debt collector spill. I not only do not have outstanding debts with this company but they have been verbally warned not to call my place of work. They have repeatedly called leaving time in between each call.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Prepaid card

I received an American Express gift card for {$2000.00} usd as a gift I was able to check the balance on XXXX, but unfortunately every where Ive tried to use the card its declined. I can see where {$.00} is being held for declined purchases on XXXX as well. Ive tried to contact American Express but the number attached to the gift is not working at all. I do not have an American Express account so I am unable to use the XXXX chat feature as it requires you to log in. I would not like to lose XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was previously disputed and  XXXX  failed to address this to the CFPB in the last dispute.     I am signed up for  XXXX  credit monitoring for  XXXX  a month. As part of their package, you are allowed to " freeze '' your credit report. I however am not able to freeze my report. It tells me there is an error. I call customer service to be told that they can not even freeze my report and they will get a technical team to look into this. As a result, i have over  XXXX  inquiries on my report. If transunion can not stop the inquiries from coming in from unknown sources, then how am i supposed to? I PAY them for a service that they can not even provide. This is th e 6th t ime I have asked for help on this. The inquiries are NOT AUTHORIZED and should be REMOVED ASAP. This is the last time i will attempt to dispute these inquiries. Next time I have to ask, i WILL hire an attorney. It is NOT my responsibility to make sure that  XXXX  credit freeze works it is theirs. Why should i penalized? I have tried so many times to freeze my report and they will not do it. I need a refund back of my  XXXX  for each month they have been unable to freeze it which would be about 7 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2022 for 2 fraudulent accounts reporting on my credit file. It has been well over 30 days and there has been no result of the dispute submitted. This is a violation of my rights under the FCRA. The following accounts need to be removed from my credit file. 

XXXX XXXX XXXX XXXX Capital One I have attached a copy of the dispute submitted for your viewing
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Equifax is reporting the wrong social security number for my report and even after submitting the proper proofs, they haven't even updated my report yet. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XX/XX/2021 that I did not file and they are up to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8800.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

They are withholding {$100.00} and they only say because I didn't follow their disclosures so they limited my account permanently and I will not be able to receive {$100.00} until XX/XX/XXXX. 

I believe they have been withholding that amount since XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I have Contact XXXX, XXXX, experian, XXXX XXXX XXXX college agency Due FTC Identity Theft Report and inaccurate information on my credit profile, I specific told all these thirty party Agency to Removal collection, charge off inaccurate addresses inaccurate name, and current Employer due to FTC Identity Theft Report.
Product: Checking or savings account

I am writing to file a complaint again Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inquiries that I didn't authorize.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a letter dated XX/XX/XXXX which I uploaded which stated that my recent application has been declined so I was completely baffled and I called XXXX and asked him what happened and they said I had asked for a personal loan in the amount of {$15000.00} for Home Improvement and I asked them if I could have inadvertently for lack of a better terms butt dialed this information and they said absolutely not you would have to input much information and I said I emphatically did not do this and and I don't want my credit hurt for this and I called them and told them is just going to hurt my credit I said I had many problems logging into the account maybe I need a new credit card but they told me that there was no fraudulent activity on that credit card also I uploaded a picture of Home Depot 's receipt that was canceled because I caught it this people in New York were trying to buy XXXXXXXX XXXX worth of cameras at Home Depot with my name and my address as a billing address on XX/XX/XXXX and I got an email in my email address and I said I called Home Depot and said what is this all about they were able to screenshot me that saying cancellation well the very next day they did the same exact thing and I told Home Depot it's just go ahead and cancel my account for right now and I can open it up at some other date and I also had to go to XXXX XXXX XXXX and say get THIS SAME New York address off my phone so basically I also did a another Report with the local police for something that's other fraud that started on XX/XX/XXXX I have other reports this is just like an addendum and I also did a report with the Federal Trade Commission/ I think it went through the FBI from what I understand but this is just an addition to because it's never ending because when I did that report I could ONLY GIVE FIVE incidences so that's why and because it keeps happening that's why I chose this route because it's something else is happening and I can only report five things so that's why I'm here thank you to your help in advance
Product: Debt collection

Capital One is trying to collect a credit card debt that is owed by my father that has the same name as I do and used my home mailing address as well as my social security # to open up this card. My father kept up with making payments and then it shows that all payments stopped the month before he passed away. I tried explaining this to them and they didnt want to hear it so I feel as though theyre trying to get me to pay a debt that isnt mine and Im not paying it even though I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company check my credit without my consent to ... meaning improper use of my credit report and I have no account Cbna, XXXX XXXX, 2019 XXXX XXXX, XXXX XXXX 2019 XXXX XXXX, XXXX XXXX 2019 XXXX card, XXXX XXXX, 2019 XXXX XXXX XXXX, XX/XX/ 2019 2019
Product: Credit reporting or other personal consumer reports

Victim of XXXX XXXX I am attaching proof on this very sensitive traumatizing situation. Please remove accounts involved. This process should be no hassle.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Unauthorized Inquiries : 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 XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft has happened to me. I've provided identification as well as a report from the Federal Trade Commission on identity theft. Block and remove material from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.
Product: Debt collection

Hunter Warfield claims that XXXX XXXX XXXX XXXX referred an account to them for collection on XX/XX/XXXX, listing the principal amount due of {$17000.00} but has failed to provide such proof as requested in my letter sent on XX/XX/XXXX. They further claim that an initial collection letter was sent to me on XX/XX/XXXX of which I was never notified. They state that verification of the debt was mailed to me on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX I sent a letter requesting that Hunter Warfield Validate not verify the validity of the alleged debt, including providing the following : The agreement with XXXX XXXX XXXX XXXX  that grants them the authority to collect on this alleged debt. 
Agreement that bears my alleged signature wherein I agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I did not request verification but validation with my wet signature. 
I have never done business with Hunter Warfield and they have refused to provide the information requested in my original letter. Furthermore, the information being reported is inaccurate and pursuant to the Fair Credit Reporting Act ( FCRA ) If inaccurate information is discovered in your file it hast to be removed. The attached documents will confirm that this debt has been falsely reported. On XX/XX/XXXX XXXX XXXX XXXX XXXX voluntarily dismissed this alleged debt that they say I owe.
Product: Debt collection

I began receiving {$85.00} charges on my XXXX card after using my debit card to pay for a t-mobile shipping fee for my grand parents XXXX card. Everything else was under their name and debit card. By XXXX, I began receiving debt collection notices from XXXX and another company. I tried speaking with several t-mobile representatives who were clearly over seas. They all would keep me on the phone for hours and then say they were looking into it but never get back to me. A gentleman named XXXX eventually reached out to me from XXXX executive who said he would send me an email to fill out and I never received an email, and every time Ive tried reaching him it goes to voicemail and no one ever calls me back. Please help. 
An operations manager for XXXX, named XXXX XXXX, essentially accused me of lying and said that they already sent me a fraud package and that he would not send another. He said if I didnt receive it, thats my problem and I can now go in the website to retrieve it. Again, Im expected to use my time to do all this work because hes mad I never received it or else hes accusing me of lying about having received it. I asked him if it had a required signature, to prove I did receive it. He said that wasnt his problem. He would let me go but just kept talking over me and arguing with me until I eventually told him Id be reporting him and the company and hung up the phone, by then completely distraught. I couldnt handle another word of being accused of having no moral integrity and expecting me to just pay money. 
Im happy to provide any and all documents Ive collected from this issue so far. 

Thank you
Product: Credit card or prepaid card

I am being ( XXXX ), targeted and abused with many credit card companies. 
I am forced to pay outrageous fees from XXXX dollars up too approx XXXX before I received credit. Forced into paying annual fee to even have any type of credit in the United States of America for the American Dream. 

The companies I have had to pay Outrageous fees too are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX Forced to pay fees of XXXX and higher, as an annual fee as well as paying fees out of the credit amount offered to me. 

The companies that have targeted me are as follows. 
XXXX XXXX XXXX, XXXX XXXX XXXX credit card, - Fee from the start - charged me to have credit XXXX XXXX XXXX XXXX charged me fees to have credit annual XXXX XXXX  XXXX Fees to have credit XXXX XXXX XXXX XXXX Fees to have credit XXXX XXXX  XXXX double charged me from the start of XXXX annual fee when advertised on Experian website as a promotional offer was XXXX I called and explained the situation to XXXX customer service and got no where. 
They refused to honor the offer and made me pay double what was advertised by experian. 

All of these companies I listed above trafficked me. 
They took advantage of me. Forced into being a slave paying above and beyond paying a normal interest rate on the dollar. I paid well over XXXX dollars before I was ever able to use the credit offered. 
I had exceptional credit with my auto lender in XXXX. 
I not once got over XXXX from major credit reporters. I opened my first credit card ever in XXXX some of the companies listed above also bait and switched my original credit card I was issued from the company and switched cards on me on their website without any notice to me at all. Further sending the switched differnt card in the federal mail with no notice before hand or why. 

I am XXXX AS A HUMAN BEING with credit. 
I am a XXXX to all the companies listed above. Each one of the five companies listed above as well as experian, XXXX, and any major credit reporting company should be sent this complaint. 

Experian, XXXX, and other major credit reporing companies have not allowed me to get past XXXX to obtain a home of my own as a first time home buyer for my family. As long as I am XXXX as a human being with credit I will never be able to obtain the AMERICAN DREAM. with my income bracket and having fees plus paying interest on top of that. 
the last 2 cards offered to me, one company being ( XXXX ) was pay fees in excess of almost XXXX dollars before they would even send the card. XXXX XXXX in credit is wrong. 
As an American Citizen Companies keep me XXXX. 


I have filed a prior complaint but it was closed due too needing more information from me. 

See below Priorcomplaint Submitted to the CFPB on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights 15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX