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

I received my Capital One Walmart rewards card in XX/XX/2022. I at that point activated it for use. I received a bill automatically even though I hadn't had in my possession the card for the previous billing cycle. Capital One afforded me grace at that point. I began to make payments immediately most of which were always early never late and always at least a couple dollars more than minimum due. I checked my reports for reported payments and noticed the payments I was making weren't being reported I utilized a phone call recording app to ensure truthfulness. I confronted Capital One asking why payments weren't being reported as well as informing them that they were speaking on a recorded line due to them recording myself as well. The agent became highly aggressive and made forms of threatening vocabulary. I live in XXXX, a XXXX party consent state and I was a direct party to the communication. I requested transcripts of the conversation which was denied. According to my 3 in 1 credit report Capital One claims I'm severely behind on payments however on their website claims only XXXX  months. They continue to send worry some emails even after being told that I no longer feel that I should continue to make payments due to the majority of my payments not being reported as the law requires. I informed them during our last communication that I am not going to continue to go above and beyond to make on time payments to them due to the fact that payments weren't being reported at all as well as the inappropriate demeanor and threatening manner of the customer service agent when confronted with my payments not being reported as they are still not documented properly. I DO NOT feel that due to their conduct, should be entitled to make myself hold my end of the bargain, when during the time that I honored my payments, they didn't properly honor their end. They continue to impose themselves on my reports negatively as of up to date.
Product: Credit card or prepaid card

On XX/XX/2020 my account was charged 9 separate charges of {$100.00} each paid to XXXX/bill. These charges were debited one right after the other until my account was emptied. I immediately called bank of America, they cancelled my card and issued me a new one. Then they told me I had to file a dispute with the fraud department, so they transferred my call. Too bad the representative wasn't aware of the fraud Dept hours and neither was I. I sat on hold for two hours! I finally figured out they were closed. The next morning I called back and every day for the next thirty days, only to be left on hold for at least an hour and then get hung up on ... .never speaking to anyone. So, after two weeks of this I decided to call XXXX. They put me through to the security team where I explained that I've never owned an XXXX  product. They looked up the transactions using my debit card number, thanked me for " the heads up '', then told me to have the bank request a charge back. I spent another month calling and waiting on hold before I was able to speak to a representative. The representative told me they would request the charge back, but that it could take 45 days. What?! I called XXXX again, they attempted to refund the charges but because it's a prepaid card they aren't able to. Well after 2 more weeks I received a letter from Bank of America that stated my claim was closed because they suspect this was fraud on my part! Based on what??? XXXX said they would refund my money but my bank has to initiate the request, so where does Bank of America get off refusing to initiate the charge back? Not to mention this is NOT my fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts : 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reported for years that I have never had XXXX. Instead of removing the fraud account they have marked it as closed!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, XXXX I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with XXXX XXXXXXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my Experian and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get Experian or XXXX to remove the inquiries. EXPERIAN Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX XXXXXXXX, XXXX XXXX ( XX/XX/2022 )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX Resurgent Capital Services has unlaw placed a collection on my credit and I have no legal obligation under fair credit act law to pay them. They purchased a debit from another collection agency by the name of Frontline Asset Strategies. That had no legal obligation as well to collect on behalf of the Company by the name XXXX XXXX. 
This matter was disputed with my Attorney and the company refused to respond to my attorney letters that were sent to them twice. 

XXXX Resurgent Capital Services has not made XXXX attempt to notify me by us mail or phone to even informed me or my attorney on their attempts to try and collect on this debt. They just purchased the debt as third party and placed on XXXX of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  {$5700.00} USDCurrent balance {$620.00} USD Available credit {$0.00} USD due XX/XX/XXXX This is correct, they are still showing XXXX owed and will not update it timely fashion. 
XXXX XXXX  I am applying for a Refinance and paying more as they refuse to update the credit with the bureaus.
Product: Credit reporting or other personal consumer reports

I have had a credit card with Banana Republic since XXXX. I have never had an issue with the company until they sold the card services to Barclays. I received a bill for XXXX that stated I owed {$140.00} and that the payment was due XXXX XXXX XXXX. I made a payment on the payment due date. This is reflected in the XXXX XXXX  statement provided by Barclays. The XXXX statement also shows a {$0.00} balance. I was shopping the first week of XXXX and tried to use the card and it was declined. I called to inquire about the issue and Barclay 's said that my XXXXXXXX XXXX XXXX  payment was reversed due to my bank information being incorrect. I had not received an email, call or letter regarding this payment issue. I went online and immediately paid the balance of {$14000.00} using the stored bank account information in the Barclay 's system that I had used to make the same payment in XXXX. I have called Barclay 's three times to try and resolve this matter because they reported this issue to the credit agencies and labeled me as delinquent. This filing led to my credit score dropping XXXX XXXX. Barclay 's explanation that the bank account information was incorrect is not supportable. I have had the same account information stored in their system for over a year and have made numerous payments without issue. Further, they failed to inform me of this error to give me an opportunity to correct the payment that they claim was reversed. I have asked them repeatedly for documentation to show the payment was reversed and they will not provide it. Their representative said they mailed me a letter to notify me, but I never received this letter. I have closed this account as I am not comfortable doing business with this company based upon this incident. My request is for them to rescind the delinquent account notice to the credit reporting agency. I made a payment by the payment date of XX/XX/XXXX. My XXXX statement shows a XXXX balance and they failed to notify me of any issue. Without any notice, they filed a report with the credit agencies. I am seeking assistance as their customer service team refuses to offer any resolution or further review.
Product: Student loan

Navient has only ever given me one option of forbearance for my student loan. Since they have had the loan for almost 2 years my balance has skyrocketed. I recently contacted them again & was once again told that forbearance was the only option. I do n't make enough to pay the monthly payment which went from {$10.00} per month to over {$100.00} per month, when Navient took over the loan. I need other options which are not being offered to me. 
XXXX XXXX College which has been out of business since XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/22, I was notified that {$3500.00}, in XXXX transactions of {$1000.00}, {$500.00}, and {$2000.00}, was withdrawn from an ATM in XXXX. I was in XXXX MO in college. I have proof from a coach that I was with him on this day. I submitted a fraud report to Wells Fargo the day of the transactions. They closed the case and denied any return on my money because they said any PIN transactions are automatically not considered fraud. They said that I could submit a police report and with it I could reopen my case for further investigation. I called again and they said that the case was closed and the decision was final. They did not explain how {$3500.00} could be withdrawn from an ATM when the limit for my account was {$300.00} to my knowledge. They would not listen to the fact that I have proof that I was not in XXXX nor did I ever loan out my card nor was my card lost or stolen. It was in my possession the whole time. On XX/XX/22, I called to raise my daily spending limit so that I could pay for college. However, I did not raise my ATM limit.
Product: Payday loan, title loan, or personal loan

They charge 700 % interest on a {$1000.00} loan when I asked about lower they said best they can do. They claim when you get a second one its lower and it is never lower.
Product: Checking or savings account

I am emailing you for assistance with a transaction that I would like to dispute. I recently tried to place an order on XXXX using a buy now pay later app, XXXX. The app allows you to break the total cost of your purchases down into 4 smaller payments. I placed an order for a total of {$180.00} on XX/XX/year>, which the XXXX XXXX agreed to split in to 4 payments of {$54.00}. The first installment for {$54.00} was immediately charged to my debit card account. The funds were withdrawn and the payment was posted on XX/XX/XXXX. However, I received an email from XXXX on the XXXX stating that my payment method had been declined. The order was later cancelled. 

I expected the pending charge of {$54.00} to be credited back to my account after a few days of processing, but I can see on my Truist account ledger that the payment has indeed posted. When I reached out to XXXX customer support for assistance, they were unable to locate the order or provide any assistance in processing a refund. I contacted the merchant, XXXX, and they refuse to process the refund because they claim that they never received any money from XXXX for the order. My bank has refused to dispute this transaction or return the funds, because they say I authorized the payment. I did indeed authorize the payment, but as the goods were never received, I should be entitled for reimbursement. 

I have enclosed screenshots so that you can see that there is no pending order on my XXXX account from my XX/XX/XXXX order totaling {$180.00}. I have also attached screenshots of the emails from XXXX, and my Truist ledger showing the posted payment. Any assistance you can offer in returning the funds to me is appreciated. I do not want to pay for items that I will never receive. Thanks for your help.
Product: Mortgage

Hello, I assumed and modified a loan with Nationstar Mortgage aka Mr. Cooper in XX/XX/XXXX. Through that process, the lady I was working with told me that the first batch of documents were lost and I needed to send out another copy, she informed me that I should not pay until the assumption was completed. I sent in a new batch of documents and placed the mortgage payments in a savings account for when the loan was completed. I was told several times that once I make the payment all late payments would be forgiven. The assumption/modification was completed, and I made a lump sum payment. I am currently in good standing with my mortgage, however they are reporting that I had this mortgage since XX/XX/XXXX. Which would place me at 11 years old with all the late payments. I am requesting them to fix their reporting and they have failed to do so. Please help. I am now trying to refinance and I can not due to their inaccurate reporting.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each. Financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of those. Customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer reports containing any of the following items of information. Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and Im completely baffled as to why this is happening. Ive been regularly checking my credit report, and everything was fine until now. I even refreshed my browser multiple times, hoping it was just some kind of glitch, but the discrepancies remained. Im begging for the documents Ive provided to be reviewed thoroughly so I can stop living in constant fear of this happening again.
Product: Vehicle loan or lease

Hello I opened an auto loan with SunTrust bank in XXXX of XXXX. I have been making automatic payments with them ever since via ACH withdrawals. In XXXX of XXXX, they merged with BBT to form Truist. 

As of XX/XX/XXXX, the loan amount on my account has increased by {$290.00} and does not show the records of an additional payment that was made. 

The Truist web site shows no Statements or Receipts, just an account balance that has no reflection on the prior account balance communicated by SunTrust.
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect information listed on my credit report, which I believe to be inaccurate and damaging to my credit standing. After reviewing my credit report, I noticed discrepancies that are clearly not reflective of my financial activity.
Product: Mortgage

Rocket Mortgage is forcing me to pay over {$17000.00} in 12 monthly installments due to a shortage in the escrow account brought about by the XXXX XXXX tax bill that amounted to {$5000.00} and was paid in this summer. In the next 12 months I will only owe {$7000.00} for Principal & Interest, escrow payment, PMI and home insurance. Although I disagree with the {$5000.00} tax bill that Rocket paid, I can submit to repaying this over the next 12 months. My disagreement with the taxes is based on the fact that I am XXXX XXXX XXXX and I have sent Rocket proof that I have XXXX XXXX and Senior CItizen 's Tax Exemptions. My issue primarily is with Rocket 's projected taxes in XX/XX/2023 and XX/XX/2023 totaling {$5000.00}. They are ignoring my exemptions. Last week, Rocket called and informed me that if I can get them the exact amount of my next tax bills that they would again review the escrow account statement. This would lower the {$1400.00} a month that they are requiring me to pay them to settle the escrow shortage. It is not possible to get the exact tax bill amount until the tax bills come out in the spring. My tax bills were estimated by Rocket to be less than XXXX XXXX XXXX and that is within reason for a senior citizen in XXXX XXXX. Waiting for an adjustment is causing a severe hardship.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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