23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One has a policy of making it as difficult as possible for consumers to dispute charges, most likely because the merchant is being compensated in some manner or other for doing so. Aside from not allowing consumers to provide any details regarding their disputes in Capital One 's online dispute forms or to submit messages electronically -- either securely through their online accounts ( a feature which existed previously but has recently been eliminated by Capital One ) or via email -- the merchant has a policy of both requiring supporting documentation prior to submitting a claim and also permanently rescinding credit issued in connection with claims as soon as said claims are disputed by the merchants in question without giving consumers a chance to rebut the merchants ' response. 

On XXXX I submitted a dispute ( Case # : XXXX ) in connection with a charge for {$2000.00} from XXXX/XXXX/2016 against an attorney who had actively assisted the State of Florida in retaliating against me for trying to call attention to abuses which the State of Florida systematically inundates HUD Programs with in order to undermine the Civil Rights Act, made possible by the criminally unethical practice of allowing County Judges to adjudicate landlord-tenant disputes involving HUD rules without being qualified or authorized to do so -- even in circumstances where County Judges are specifically requested to disqualify themselves from such cases because of the financial ties which all County Judges must have to any landlords who participate in HUD 's programs within any Municipality wherein HUD 's Programs are not fully privatized. Despite the vast amounts of evidence I sent in via fax detailing at great length the unethical conduct of the attorney, Capital One rescinded the credit issued in connection with my dispute on XXXX/XXXX/2016, immediately after the attorney disputed my claim. 

On XXXX I submitted another dispute ( Case # : XXXX ) in the amount of {$310.00} against XXXX XXXX for the abuse I was deliberately subjected to during a XXXX/XXXX/2016 flight from Florida to Georgia for no other reason than being a low-income minority. Before even submitting my claim to the merchant, Capital One demanded supporting documentation, subsequent to which the credit issued in connection with my claim was rescinded.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing these accounts the information provided below are inaccuracies which are reporting on my consumer report. I have contacted these credit agencies in regards to this information. Nothing has been resolved on their behalf. 

XXXX XXXX XXXX Charge Off : Transunion-Date opened- XX/XX/XXXX Last active- XXXX XXXX-Date opened- XX/XX/XXXX Last active- XXXX XXXX XXXX XXXX  Transunion-Date opened-XXXX Last reportedXXXX Last active-XXXX XXXX-Date opened-XXXX Last reportedXXXX Last active-XXXX XXXX-Date opened- XX/XX/XXXX Last reportedXXXX Last activeXXXXXXXX XXXX XXXX  Transunion-Date opened- XX/XX/XXXX Last active-XXXX XXXX-Date opened- XX/XX/XXXX Last active- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a Pre approval at XXXX XXXX, one that promised a no impact on the credit and a soft pull ... over the next 3 or so days many many many " Lenders '' banged my reports with inquiries ....

Upon noticing this I called all the credit bureaus, they told me that there was nothing they can do and i hate to contact the " lenders '' so I did exactly that ONLY TO HIT ANOTHER BRICK WALL when they told me since it was through a 3rd party ( XXXX XXXX ) they could not even SPEAK to me about it, its on my report and they wont even talk to me.. this is pureeee fraud!!!

of course I found out XXXX XXXX gets PAID for each inquiry from each lender .... 

So between XX/XX/XXXX and XX/XX/XXXX of 2019 the following inquiries were spread between all 3 credit reports UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To my disbelief, I found multiple errors on my credit report today, and Im at a complete loss for why theyre there. This is entirely unexpected, and refreshing the browser didnt resolve it as Id hoped. I urgently need these documents reviewed so that I can feel secure about my credit again.
Product: Debt collection

It is to my understanding that the Gap insurance would have covered the full amount for everything in regards to the XXXX  XXXX XXXX
Product: Credit card or prepaid card

my card was charged and NFCU refused to help with the fraud charges
Product: Mortgage

I requested a construction and mortgage loan. 
They claimed they offered this insisted I provide them with income before I applied. They refused to offer product and service until I submit a loan application. They treated me different unlike somebody with an American name. They ignored my concerns. I attempted to move forward with loan process. I have excellent credit in which I knew and income is enough to get the loan I requested. I have XXXX score and inspite of my credit history started demanding I provide them with award letter from military in which I did and then insisted they insisted on additional proof of military status in spite it was all on the award letter from military. Finally they begin to come up with a reason for not doing business after providing all what they requested. There was no cause since I was reapproved with them two years ago. I requested where was my information since I was still working with staff during this period. I feel that my rights was violated involvong lending practicing. I feel that based on my name and religion they treated me unfair. I feel based on my race they failed to treat me fair and just. I have excellent credit and no reason was given other then they refused to complete the loan process and gather all my information. I requested product and they refused to provide information and demanded I need to file application before they disclose their product and services. Inspite of the information was submitted they continued to refused to disclose products. When I begin to inquire about this they started challenging about bringing this to their attention. I was mistreated hostile thru out the process with no cause since there was no credit challenge no income concerns and I my they have all my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an XXXX  open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found numerous inquiries listed that I did NOT authorize or give permission to. This was a direct result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

I just called one main financial bank and asked them if there was a loan in my name they asked for my social and date of birth and they said that there is no attempted loan or anything so I dont understand why these people saying that I applied for up alone when I didnt. I called up these people myself, and they verified that there is nothing in their record showing that I applied, so someone is lying and I want that off my credit report
Product: Credit reporting or other personal consumer reports

I have been receiving constant telephone calls of harassment, XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX for debt collection accounts that are not my accounts, are fraudulent accounts and is the result of identity theft. The following accounts are fraudulent and the is the result of identity theft : XXXX XXXX XXXX, {$4900.00}, XXXX XXXX XXXX, {$1100.00}, XXXX XXXX XXXX, {$760.00}, XXXX XXXX XXXX, {$750.00}, XXXX XXXX XXXX, {$660.00}, XXXX XXXX XXXX, {$9100.00}, XXXX XXXX XXXX, {$6100.00} and XXXX XXXX. The above debt collection companies are in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Checking or savings account

On  XXXX / XXXX / 2017  I was charged a {$35.00} insufficient funds fee even though I had {$280.00} in my account and processed a transaction of {$280.00}. The fee caused my account to be overdrawn.
Product: Credit card or prepaid card

On or about XX/XX/2022, I opened a fraud claim with Navy Federal Credit Union XXXX XXXX NFCU  XXXX ) The disputed charges range from XX/XX/2022 through XX/XX/2022, which I listed in an Annex, and explained to XXXX which lead to approximately {$15000.00} USD. Throughout my conversation with the fraud claims XXXX, I explained I was attending military field training during the dates these charges were placed on my account, and that the charges were not incurred by me. I provided sufficient proof, and evidence through my military work, and job to prove I was unable and incapable of making those charges. After XXXX returned my fraud report back to myself not in my favor, as soon as I was out of field training, I provided a letter from my military command, again confirming my training participation during the dates when the fraudulent charges were made. I provided a copy of this letter to XXXX. After seeing XXXX would not take my situation seriously, and provide evidence that they felt these charges were mine, on or about XX/XX/2022, I reported this matter as a fraud claim to the XXXX XXXX XXXX XXXX, which I also provided XXXX. As of the date of this complaint, I have not received communication from NFCU regarding this claim, despite sending official correspondence in XX/XX/2022 to their proper mailing address, conducting Emessages, and going to the bank specialists in person. As of the date of this NFCU has failed to validate the disputed charges. As of the date of this complaint, NFCU continues to report the balance of these disputed charges to all three credit reporting agenciesXXXX, XXXX, and XXXX. 


Any collection actions regarding this debt constitutes an attempt to collect a debt that is not legitimate, which violates federal law. Based on the above I provided XXXX officially the following : XXXX. Any assertion that I am responsible for the disputed charges is a materially false statement. 

XXXX. The letter from my military command confirming my training participation during the dates when the fraudulent charges were made serves as evidence that these transactions were charged fraudulently. 

XXXX. XXXX has a duty to investigate and validate all fraudulent charges disputed by consumers. 

XXXX. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), NFCU must not furnish any information relating to a consumer to any consumer reporting agency if NFCU knows or has reasonable cause to believe that the information is inaccurate. In this case, my fraud claim report, the letter from my command, and the police report serves as reasonable cause to believe that the information is inaccurate. 

XXXX. Under the FCRA, a person who is negligent in failing to comply with any requirement imposed by the law is liable to the consumer for all damages sustained by the consumer as a result of the failure, the costs of any successful action to enforce liability, and reasonable attorneys fees. 

XXXX. Therefore, I demand that you promptly remove the disputed charges from the above referenced account. If you fail to do so, I will initiate claims, XXXX XXXX under 15 U.S.C. 1681 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by athird party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some accounts. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the accounts : 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 reporting or other personal consumer reports

Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXX XXXX XXXX XXXX XXXX I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as [ Account # XXXX ], which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency ( XXXX XXXX XXXX ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from all XXXX credit bureaus ( Equifax, XXXX XXXX XXXX XXXX ) that your agency ( XXXX XXXX XXXX  ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer reports.
Product: Credit reporting

I was a victim of Identinty Theft and had numerous inquiries, accounts opened in my name and wrong information on my credit profile with XXXX, XXXX and Equifax. Several of the accounts that did not belong to me were already in collections and reflecting on my report. At the advice of my attorney, I filed a police report showing that these accounts did not belong to me. Then I proceeded to dispute them with all credit agencies and provided the police report. Within 30-60 days both XXXX and XXXX deleted all accounts not belonging to me. Equifax removed several accounts with the exception of XXXX in collections which I have desputed several times and they still report on my Equifax profile. I have called several times and they claim the information was verified with the creditor. However XXXX of the other accounts they did remove was with the same creditor. I questioned why that account came off and the other XXXX didnt if they all belong to the same creditor. No one would give me a clear answer and simply suggested I submit another dispute. I have been dealing with this issue for 8 months and I am not getting anywhere with Equifax and they can not explain to me why XXXX and XXXX verified the same info and confirmed these accounts dont belong to but they cant do the same. This is causing undo stress and it is preventing my family from qualifying for a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am requesting of you to remove or correct the following accounts reporting erroneous information on my Credit File : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX I require you to send me copies of proof of verification or any documents that resulted from your investigation. Failure to submit such documents, I will assume that you did not conducted any investigation at all and will be filing a lawsuit. So please comply with the law.
Product: Vehicle loan or lease

Fifth Third Bank financed an XXXX  that I bought in XXXX. I paid off the loan in XX/XX/XXXX and they sent me a lien release. However I can not get the title because it is an electronic title supposedly filed with some electronic title company and Fifth third keeps saying they don't have the title so they can not send it to me. I live in NC and they keep telling me that I can not get the clear title because fifth third has not released it to them from the electronic title company. I've been told over and over again that there is no longer a paper title for this vehicle, only an electronic one, and the only one who can release the electronic title is Fifth Third. I have been trying to get this resolved for over a year and a half, I have called fifth third numerous times and been to the NC DMV several times and everyone says they can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX Unauthorized inquiries furnished on my consumer report which is a violation of 15 USC 1681 b ( c ) ( A ) ( B ) ( i ) ( 3 ) and a violation of my privacy rights in accordance with 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as TransUnion, XXXX, and XXXX without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made XXXX Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX. 


XX/XX/XXXX Account type Collection Department XXXX Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1400.00} Payment Info Original loan amount {$1000.00} Balance {$1400.00} Status date XX/XX/XXXX. 


These were for medical bills. 
These reported collections are innaccurate and are being re-generated and are re-generating themselves. I have called on this matter. 
I would like this to be investigated and removed.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX and XX/XX/2021 I became XXXX XXXX XXXX XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a XXXX and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.
Product: Student loan

I currently have many student loans, all through Great Lakes loan ( GLL ) services. I have been overpaying my loans to more quickly pay them off. According to great lakes loan ; " The regular monthly payment goes first to accrued interest, and then is prorated over the loans within the account. If your payment is larger than the regular monthly payment, the overpayment is applied to the principal on the loan with the higher interest rate, assuming all outstanding accrued interest is paid. " When I first setup my account I was asked to setup a monthly auto-pay for a 0.25 % interest deduction. I of course did so. This auto-pay is assumes a default " 10-year '' repayment plan. What I have been doing is making extra payments 1-2 times a month in excess of {$1000.00}. Using their phone app everything looked like it was going well. I then logged onto their website and saw a discrepancy. GLL has been taking my extra payments and applying them equally across all of my loans, not to the ones with the highest interest, like initially thought. After contacting GLL they informed me that the statement above only holds true if I overpay via the " monthly payment '' not the " one time payment ''. This is purely a ploy to not pay off my highest interest loans and keep me on as long as possible. Their statement says nothing about a " one time payment '' exception. When i called them out on it they replied with ; " We are happy to reapply any additional payments as you direct, assuming all accrued interest has been paid, although it is necessary for you to submit a request via email or phone after each payment is made in order for us to do so. Thus, it is generally to your benefit for you to make a single, larger payment at the time you make your regular monthly payment, rather than to make a separate, extra payment after making your regular payment. '' How does this make any sense? why would they be treated any differently? I have to contact them after each " one time payment '' to tell then to put it towards my highest interest loans ...? I have been repaying my loans now for 2 years and could have avoided hundreds of dollars of interest if they had done what they said they did with overpayments. which is what a " one time payment '' is, regardless of whether it is part of the standard monthly payment or not.