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

I have a savings account ending in XXXX. In XXXX of this year, I was incentivized to bring additional {$50000.00} to my savings account by XXXX by XX/XX/2022 and keep it through XX/XX/2022. I agreed and I brought requested additional XXXX to my savings account making the total balance of over {$54000.00}. At this point, the interest rate on my savings account became important. CapitalOne Bank is now paying XXXX XXXX for its saving account. It is the only saving account product offered by the CapitalOne Bank. 

Imagine my astonishment and disappointment when I looked at my bank statement to find that my savings account is credited with a XXXX XXXX interest instead of XXXX XXXX causing me a loss of {$250.00} over the next XXXX days for the amount exceeding {$54000.00}. I immediately called the Bank and asked the account manager to adjust the interest to what CapitalOne Bank advertised. I was told that my account is coded as XXXX account and the account with the higher interest rate of XXXX XXXX  is coded as XXXX XXXX. I was further advised that all saving account product like mine were phase out long time ago and no longer offered by the CapitalOne Bank. The only savings account offered by CapitalOne Bank XXXX XXXX XXXX with the interest rate of XXXX XXXX I asked to grandfather my saving account so it would uniformly pay market rate that Capital Bank is offering. Capital One has failed and refused to accommodate my request causing me an economic loss of {$250.00} or {$2.00} a day at interest rate of XXXX XXXX for XXXX days days from XX/XX/2022 to XX/XX/2022. 

I discussed this matter with XXXX XXXX, a CapitalOne Bank representative who responded to my internal complaint to the bank. She confirmed that the same incentive was available to any saving account, including Performance Savings but refused to change my savings account to Performance Savings so my savings account could start earning the market rate currently offered by Capital One Bank. Further, she sent me a letter stating that I chose to have an inferior saving account because it better suited me. I have never chosen an inferior bank product. It is insulting and is a falsehood communicated to a consumer with the intention to mislead or deceive. No consumer will knowingly chose an inferior product, but for direct misrepresentations and outright deceptive practices of the financial institution as represented to me by XXXX XXXX XXXX please see letter attached ). Further, XXXX XXXX misrepresented her contact information, her provided phone number, XXXXXXXX XXXX XXXXXXXX, is not in service. This make this complaint a necessity.
Product: Mortgage

I've had a mortgage with Freedom Mortgage for several years. In XX/XX/2020 I contacted them about a IRRRL. 

It is XX/XX/2020 and my loan still has not closed. I can not get a straight answer and am told they are " waiting '' for one step or another.

This is ridiculous and is costing me extra money every month. I believe it is deliberate to get extra income from interest.

No one responds to emails, phone calls are met with rude employees who are not helpful. I regret ever having my mortgage with these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting

I filed a chapter XXXX bankruptcy in XX/XX/2015 which was switched over to a chapter XXXX in XX/XX/2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the XXXX. It is hurting my ability to recieve any type of loan or anything of that sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX An inquiry from ONEMain showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXXl showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues XX/XX/XXXX An inquiry fromXX/XX/XXXX-XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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
Product: Credit card or prepaid card

Good Evening, i had an account with HSN, their accounts were handled by XXXX XXXX and there was some type of merger with Synchrony Bank. 
I called XXXX XXXX  to get the remaining balance on the account was told the account was now with Synchrony Bank and that XXXX  no longer had any records and all records of the account are now with Synchrony Bank. 
Synchrony is telling me that they only have what is owed, no records of past payments or starting balance, etc. My issue is not that I owe money but the amount owed.I have talked to a number of representatives and I am getting nowhere! I even followed the steps stated on your website about my consumer rights as well as stating their obligations to me as a customer. 
Please help, thank you
Product: Student loan

Dept of EducationXXXX XXXX XXXX Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S.C. 1681S-2 ( A ) ( 1 ) ( E ) ( i ) Rehabilitation of private education loans, this loan has completed the rehabilitation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). These listed accounts below have violated my federally protected rights to privacy under 15 u.s.c 1681 XXXX XXXX : acc # XXXX, XXXX  XXXX : acc # XXXX, XXXX XXXX  : acc # XXXX, XXXX XXXX  : acc # XXXX, Louisiana Child Support 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 section ( 2 ) States a consumer reporting agency can not funnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you well. I am submitting to formally contest the inaccuracies present in my credit report concerning a specific charge-off account. It has come to my attention that the reported balance for this account is incorrect, as it should indicate a XXXX  balance. Specifically, I wish to address the account : XXXX XXXX Date Opened : XX/XX/2014 Account Number : XXXX Balance : XXXX. I wish to emphasize that I have satisfactorily settled and cleared the outstanding balance on this account in full. Consequently, the accurate and updated balance for this account should reflect XXXX. Enclosed herewith are supporting documents. I respectfully request that you undertake a comprehensive investigation into the aforementioned discrepancies and promptly update my credit report accordingly. It is crucial that the reported information accurately reflects the resolution of these accounts to prevent any further adverse effects on my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I started receiving missed payment alerts XXXX last year and I called Affirm to let them know I do not know anything about the transactions. They told me someone will get back to me within 3-5 business days, but I never had anyone call for that reason but only to ask me to pay for the loan which I did not authorize. I kept calling and Affirm did not resolve the issue and the loan went to charge back and it was still not resolved. This affected my credit and I called affirm, I was told this will be taken off my credit with 3-5 business days. It goes off for a while and goes back on the credit again. 
Every phone call I made to affirm I clarified that I was not aware of all the transactions but when I call, I have different versions of what was reported to be resolved and different feedback as well as rude customer service personnel 's and managers. 
On XX/XX/XXXX, i finally received a response that the loan had been resolved and i am responsible for XXXX loans and i should go on my account and reach out to the numbers on the loan. This was to XXXX different numbers. I called one of them ( XXXX XXXX ) and was told i had to pay for XXXX loans with them. The other number was for XXXX, and they said affirm took back the loans with them so there is nothing to pay, the final number went to affirm directly, and I complained again that I was not going to pay loans i knew nothing about and this had to be reviewed and resolved. 
In XXXX this year, i received a notification about me requesting to be prequalified. A 2nd attempt of fraudulent activities on my account. I responded i was not the one and called to make a complaint which I received an email that it was a fraudulent attempt. 
My issue is that if Affirm had responded timely and resolved my issue, it would not have gotten to the stage of a chargeback. Also, if an issue is in dispute, it should not follow the normal process of people who do not pay their loans for it to be in chargeback. Again, it was not my fault that Affirm did not place importance on resolving my issue and therefore this should not affect my credit. I have reported to them that XXXX is reporting this on my credit and the response i get is that it is the system that picks that. I thought human beings control system but it obvious affirm does not put their customers 1st and are just after their gains. 
I will want Affirm to resolve my issue and take that information from my credit. I called Affirm today and was told my case was closed. How can this be closed without my knowledge and without this resolved. The 2nd attempt to get a prequalification on my account that i reported should let them know i did not make those purchases.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Formal Complaint - Freedom Mortgage VA Loan Forbearance Issue Dear CFPB Complaint Team, I am writing to file a formal complaint regarding Freedom Mortgages handling of my VA loan forbearance request and the resulting damage to my credit score. 
Last week of XX/XX/year>, I applied for forbearance with Freedom Mortgage and was repeatedly advised by their representatives that I did not need to make any payments during the forbearance application process, as I was protected. I confirmed with them multiple times that this applied to the total payment, not just the principal and interest. 
Despite following their instructions, Freedom Mortgage reported XXXX XXXX delinquencies and XXXX XXXX delinquency on my credit report for XXXX and XX/XX/year>, which I only discovered during the process of purchasing a new home. I believe this reporting is incorrect and unfair, as I followed the guidance provided by Freedom Mortgage in good faith. 
The delinquencies prevented me from securing the builders loan at a 4.5 % interest rate, and I was instead forced to take a 10.75 % investors loan with no principal for {$180000.00}. Additionally, the delays caused by these delinquencies increased my moving costs by {$5000.00} and lodging costs by XXXX  XXXX have reached out to Freedom Mortgage to resolve this issue, but they have refused to remove the delinquencies from my credit report. I am now seeking your assistance in investigating this matter and ensuring that Freedom Mortgage corrects the inaccurate credit reporting. 
Please find attached relevant documentation, including correspondence with Freedom Mortgage and a detailed timeline of events. I appreciate your time and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with this company and gave them all they requested. XXXX   XXXX  they told me I was pre approved subject to income and assets which I sent. They dont call me but send me a email saying Im declined with no explanation?! They are obligated by law to furnish me a letter yet they are making me go through hoops to get this. This is ludicrous! And my credit rights are violated. I want them investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

A paid account with a XXXX  balance with Account Services is still appearing on my credit report and they will not remove it. Please have this removed as it is affecting my credit score and has been paid 3 years ago. The amount paid was {$87.00}
Product: Credit reporting or other personal consumer reports

Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within XXXX business days.
Product: Credit reporting or other personal consumer reports

I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.
Product: Credit card or prepaid card

My purse was stolen XX/XX/XXXX. I called them they reversed the credit then in spet they took the credit back stating there was no proof my purse was stolen since there wasn't a police report. Even though what was purchased I never purchased it before. The amount was XXXX
Product: Mortgage

My issue is with Mr. Cooper, and I am hoping this complaint reaches management and they are able to help. My issue is I have been trying to get a loan modification for 2 years now and they keep refusing to give me the modification which is causing me to owe more and more money, and this could have been easily resolved. On their website they have a link that says the federal government has a program that can help you with behind payments and I have applied for that program in my state witch is Florida, I have a HUD counselor that is working with Florida program and they have stated they would pay up to {$50000.00} towards my mortgage witch would help erase some of my debt and put me ahead in payments so I don't fall behind again. But in order for them to pay the money Mr. Cooper has to grant me a loan modification and push what I owe to the back of my loan, and they will make the payment, they have stated they will not make the payment while I am in default as it would be a waste of funds if they proceed with the foreclosure. I am asking management to please review my case and grant me one more loan modification, so that way the program can pay the {$50000.00} towards my mortgage and I can keep my home, if there is a program willing to help my mortgage, why would you guys not accept the loan modification as this helps both parties, because I get to keep my home and you guys still get paid. Please help me.
Product: Mortgage

I applied for a mortgage refinance loan on my existing home and I was denied because the credit report that my lender pulled showed my scores as XXXX ( XXXX ) XXXX ( XXXX ) and XXXX ( XXXX ). However, when I review my credit and my scores on the websites due to my paid member ship, they show my credit scores as XXXX XXXX XXXX XXXX and XXXX ( XXXX ). I contacted the lender and the credit agencies and no one can explain to me why the huge discrepancy in the credit scores that I am paying for through the credit agencies and the credit scores that are being provided to creditors. I do n't know if there is a true purpose in monitoring my credit scores and paying a monthly fee to each of the XXXX credit agencies if I am not getting accurate and/or complete information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate bankruptcy being reported on my credit file by Experian. I have verifiable proof that the United States Bankruptcy Court neither verified nor reported this information. Furthermore, XXXX has already investigated and deleted this bankruptcy from my credit report after confirming it was inaccurate. 

Details of the Complaint : Issue : Incorrect Bankruptcy Reported Credit Reporting Agency : Experian Date of Bankruptcy ( as reported ) : XX/XX/year> Despite my dispute with Experian, they continue to report the bankruptcy on my credit file without proper verification. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure maximum accuracy and conduct a thorough investigation into disputed information. By failing to verify the bankruptcy with the United States Bankruptcy Court and leaving this inaccurate information on my credit file, Experian has failed to comply with their legal obligations.
Product: Checking or savings account

I have had numerour overdraft feesassesed to my account. i have overdrawn my account with knowledge that I am going to be penalized with a {$37.00} overdraft fee. I get that. However, there are transactions that are in pending status that have been charged to my account and funds are available. It is NOT the customer 's responsibility to process the payment. It is the merchant that has not posted the payment or I do not know what the problem is here. TCF bank had entered into a Class Action Lawsuit as they charge their customers these ridiculous fees. This is a scheme ran by a financial institution that does not care about their customers finances. light has to be brought top this issue.I have submitted a complaint against this company before. The issue continues to occur. It is overwhelming to go buy groceries and not have funds available and have to put all the food back with XXXX small kids watching! I have contacted TCF Bank I requested to speak to a Supervisor three times and i am placed on hold for a long time. I requested a call from a Supervisor and no one called back. Pending transactions are not due to overdrafting!!! I should not be charged an overdraft fee for " pending transactions. ''
Product: Credit reporting or other personal consumer reports

Opt Out Notice Per the Fair Credit Reporting Act, as a federally protected consumer I, XXXX XXXX, am now opting out of any and all authorization I, the consumer may have given you written, unwritten, verbal, and non verbal per 15 USC 6802.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX never disclosed to me that I have the right to opt out of nonpublic personal information. 

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report consecutive late payments to EXPERIAN INFORMATION SOLUTIONS , INC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX from XXXX of XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report. 




Thanks, XXXX XXXX
Product: Debt collection

Someone opened a fraudulent account in my name with XXXX Ive already issued police report on this account
Product: Debt collection

I received a letter from clear recovery creditor : XXXX XXXX, saying that I owe them an amount XXXX after I called Synchrony bank and reported faulty furniture that was broken and delivered to me requested pick up of furniture and a full refund. They sold the account to a third party and put it as a charge off on my credit report.