23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The auto loan that is under my name is the result of fraud. All the current and past credit cards are not mine as well. If they look into my Prison records they can see that I was incarcerated from XXXX XXXX to XXXX XX/XX/XXXX I was released. This misinformation with these bureaus need to stop, I will be suing them in court as soon as all my informal methods are exhausted.
Product: Credit card or prepaid card

On Friday, XX/XX/2018 I attempted to link my credit cards to the XXXX XXXX app as it is an extremely useful budgeting tool. I authorized the app to access my account details with both of my primary credit cards, XXXX it and Capital One XXXX. The XXXX card synced up fine. The Capital One card did not and the app showed a message saying that Capital One was blocking access to my information. 

I called Capital One customer service. The employee I spoke to said that the only supported third party app was XXXX. But she made a change in my account and then asked me to try to link the app to my account again. This time it worked. The app synced all my data and it worked. Then I thanked the employee and hung up the phone. As soon as I hung up, the app lost access to the account again. I tried to link it again and the same message popped up. " Capital One is blocking access ... '' I called again, and got another employee on the phone. They made a change and asked me to try again, and it worked. Then it stopped working as soon as I hung up the phone. Again.

I suspect Capital One is intentionally blocking customers from accessing their financial records via third party apps that have explicit authorization to do so. I suspect that customer service representatives have been told to allow such access temporarily during a support call, only to once again block access and leave customers under the impression that the app is somehow at fault and not Capital One.
Product: Credit card

On XXXX I called Capital One Walmart to pay my balance off of {$15.00} they said I still owe late charges past due balance of {$330.00} when my card through Walmart was only {$300.00}. In XXXX. I have paid in the last 5 months {$310.00} XXXX have never once until XX/XX/XXXX have had any fees. XX/XX/XXXX {$45.00}. XX/XX/XXXX {$100.00}. XXXX {$45.00} XX/XX/XXXX {$45.00} XXXX {$45.00}. I have never had a set due date or payment plan and they said I did. I was going to pay the {$15.00} but the lady on the phone would not expect said I had to pay the balance of $ XXXX it would be sent to the collections agency So I turned them over to XXXX
Product: Debt collection

I have tried to get the company to stop reporting incorrect information, they aren't responding to my correspondence and I want to deal with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed a collection account with Credence Resource Management that I had no knowledge of and this account was deleted from my credit report. On XX/XX/XXXX, with no written knowledge to me, this account was added back to my credit report in the amount of XXXX. Credence Resource Management is reporting that this account was opened XX/XX/XXXX which is absolutely untrue and they are trying to collect on behalf of XXXX ( whom I have never had an account with ). This is unfair and deceptive and my credit score dropped 49 points as a result of this company 's unfair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan with XXXX XXXX XXXX XXXX. XXXX XXXX I submitted a payment on my vehicle loan. Which stated it would post the next day. XX/XX/2022. Thats staying ahead of my date of XX/XX/XXXX XXXX that would have made my payment 30 days late. I get a notification from my credit monitoring service that my score dropped XXXX points. I looked into the report. To find XXXX XXXX reported a 30 day late payment. Which was false because I paid it on XX/XX/XXXX. Which was 6 days before. They told me the funds did not hit the account until the XXXX. And the only go by when the funds hit the account. Ive been with the bank over a year and payment always hit next day. But even if thats the route they wanted to go. They told me they reported on the XX/XX/XXXX which was the XXXX day. So no matter how you put it. 29 days isnt 30 days. I have the documents proving the payment dates, due date and posting date. Credit bureau and Creditor refuse to acknowledge the facts
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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

I have had a Capital One credit card for years. The rate on my card was at 12 %, about the time the credit melt down happen Capital One increased my interest rate to 17 %. I was XXXX day late in making my payment, but feel the rate increase was excessive. My balance on my card is about {$18000.00} so this rate of 17 % makes it very hard for me to pay down. I have always made more than the minimum payments required but still do not see any relief. Please advise.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

It's reporting that I have an eviction on my credit report and that information is INCORRECT! I currently live in said address & my attorney will send a cease & desist regarding XXXX XXXXXXXX XXXX XXXX XXXX! I've not had a notice, XXXX notice, court order, hearing nor ANYTHING, as I currently reside in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This false report has prevented me from being a co-signing party for a family member that is in NEED of shelter. Thinking ahead, this will impede on my own ability to shelter! An open investigation has begun and all parties are & will be sued, immediately for false & illegal reporting from the DATE the false eviction was reported!!! I am LIVID! 
PLEASE REMOVE THIS FROM MY REPORT-ALL XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I made my payment for my home equity loan for XXXX. On XX/XX/XXXX I made my home equity loan payment for XXXX. The bank applied the payment I made on XX/XX/XXXX to the principal and not to the XXXX payment. They charged me a late fee for XXXX and applied my XXXX payment to XXXX, and my XXXX payment to XXXX. In XXXX, the bank manager at PNC Bank, XXXX XXXX, Maryland instructed me to make two payments, told me the late fees would be waived and that I would get {$150.00} ( the amount of my payments ) back within ten days. That was on XX/XX/2019. To date, I still have not received the {$150.00}. I have exhausted my attempts to contact the bank through phone calls, their XXXX page, and have now enlisted the assistance of any attorney. I am getting no responses.
Product: Mortgage

I accidentally paid my property taxes and Newrez Mortgage refuses to refund my escrow account. I was not able to get the money back from the Government. They said once Newrez paid my property taxes they would refund Newrez and Newrez would refund my escrow account. They claim they have refunded me, but a lesser amount of money then I paid. They still owe me money. They claim they are paying my insurance, but I am paying insurance from XXXX. I paid {$3200.00} but they only refunded me {$2200.00}. They still owe me {$1000.00}. XXXX said that my insurance has not gone up. There is no reason we can find for the money missing from my escrow account. I have called many time and submitted all the documentation via their website, but I unable to resolve this matter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I 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 transactions are unfair and request an investigation be done on my account.
Product: Student loan

I submitted a XXXX on XX/XX/2022, to MOHELA. Additionally, and based off new information received from the XXXX  regarding my XXXX tax returns, I submitted an additional XXXX including years worked for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. 

To date, MOHELA has not responded to any of the applications I submitted seeking student loan forgiveness. Ive already met the XXXX-payment requirement. There seems to be a serious issue with this company processing paperwork and ensuring that eligible students receive forgiveness. This is supported in a recent online article by XXXX XXXX . In the XXXX  XXXX article, she addressed some of the systemic issues that affect MOHELA. 

Can someone please review the information that I submitted in XX/XX/2022 seeking forgiveness and get bet back to me?
Product: Credit reporting or other personal consumer reports

Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have reasonable cause to believe this transaction was conducted knowingly and intentionally in bad faith. It is the purpose of TILA to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I have reasonable cause to believe the bank used their undue influence to induce me into an adhesion contract. The bank acted in bad faith and has been unjustly enriched as a result of undue influence. Due the banks failure to maintain the integrity of my nonpublic personal information, my consumer credit reputation has been jeopardized due to punishment for the nonrepayment of an extension of credit. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. I have never been explained my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. I did not authorize, nor consent to nor would I ever knowingly consent to the furnishing of any negative information to any nonaffiliated third parties. This fraudulently furnished negative information causes a restraint of trade and commerce and violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act XXXX FTC ACT and RICO Act. Any payments made on this account were a result of threat, duress, and coercion. I hereby disaffirm any alleged agreement or contract between I, the consumer, and the bank, whether implied or explicit. Any agreement between I and the bank was a result of undue influence. Please provide me with documentary evidence of the obligors indebtedness. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. The bank, as the creditor, may not collect any disputed amount. As a federally protected consumer, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing. Additionally, charge-off accounts are considered income and income is not to be reported on any consumer report. Affirm is in violation of several codes and CFR 's and willfully using a third party to keep me from being able to use my consumer credit. The bulk of these violations are covered under 5 U.S. Code 552a,15 U.S. Code 1681 12 CFR 1016.1 and IRS Publication 4681
Product: Credit card or prepaid card

I use the XXXX XXXX which works by connecting to my credit cards. XXXX works by seting aside my spare change From credit card charges as I go about my day with Round-Ups to the neareast dollar of all credit charges I make. Its been a super easy way for my family to save money and we are now up to a little over {$3000.00} dollars in just over a year which is hugely helpful to my family. 

This week I was notified that my XXXX XXXX MasterCard membership card will no longer allow external accounts like XXXX to connect to my account. I think I should be the one who decides who has access or who can externally connect to my credit card accounts. By XXXX XXXX  no longer allowing me to conect my XXXX XXXX MasterCard credit card which I want to once again connect with XXXX my family will be severely hurt. 

Again XXXX is critical savings tool to my family, so Im asking you to demand that XXXX XXXX once again allow me to externally connect my XXXX XXXX Credit card to external accounts and especially XXXX. 

Sincerely, XXXX XXXX.
Product: Debt collection

I have a car loan through Brite Financial. I was told at the dealer that I would pay bi weekly but I am being charged weekly which is resulting in me being late every week and every month. I had this car going on three years with only a two-week balance as of right now. I informed the agents that i can not receive calls during the day only after XXXX ( 6 months ago ) and I have received at least 15 calls per week since then. Today I received 5 CALLS!!!! I already made my payment today but they call me back to back. This is presenting an issue with my work. I told several agents to make note that I ca n't have calls until after XXXX XXXX. They said they would switch me to bi weekly once I had a XXXX balance. I borrowed money twice to get a XXXX balance and I was told the only person who can change my payment frequency was off which resulted in another weekly payment and made me ineligible to change my frequency.
Product: Checking or savings account

On XX/XX/XXXX I cashed a check from my business account at XXXX XXXX XXXX in XXXX PA for {$9000.00} and deposited XXXX of it into my checking account at Wells Fargo Bank in XXXX FL. My balance at Wells before that was {$1200.00}. The receipt and teller told me that {$400.00} of the XXXX deposited would be available right away and the rest on XX/XX/XXXX, the next day. The next day, XX/XX/XXXX I got an email from the bank saying that the funds will be held until XX/XX/XXXX ( 12 days ). I also got another email stating that my Ending Balance was {$2700.00} and my Available Balance was - {$6300.00}. I checked with XXXX XXXX and found that they cleared the check for {$9000.00} on the XXXX, the same day I cashed it. I went to the Wells Fargo bank on the XXXX and showed them that the check had cleared my bank and even showed them a copy of the cleared check from my bank. The person XXXX called someone and told the story and was told that nothing could be done. I asked her to make a complaint for me and she did it while I was there. I also called Wells at the number on my banking app on the XXXX and was told nothing that could be done to make my funds available before the XXXX. Today I got a letter in the mail dated XX/XX/XXXX stating that the money was being held for " Unusual deposit account activity '' until XX/XX/XXXX. There was no information on the letter about who I could contact to correct this.
Product: Debt collection

I purchased a vehicle from Future Finance on XXXX on XX/XX/XXXX and also signed a Wage Assignment at that time. A week after purchasing the vehicle I began to have problems with it. It was a lemon. I contacted the finance company and ever since I had been trying to work with them on getting rid of the vehicle. The dealer went bankrupt shortly after we purchased the car. In XXXX I asked for the finance company to please take the vehicle back as it was costing me too much money to repair. At that point they took the vehicle and I began to make payments of {$150.00} a month to try to pay off any debt owed. In XX/XX/XXXX the finance company decided to send ( email ) : not by certified or registered mail : an expired wage garnishment to my employer. They embarrassed me at my work place while illegally attempting to garnish my wages, my rights as a consumer were violated. I notified the company of this and when I demanded for them to provide me with supporting documents of what I supposedly owe, I never received a response. At this point On Friday, XX/XX/XXXX I was contacted by an attorney who served me with a summons to appear in court. I contacted their attorney and told them of the issues with future finance and his response was that, " that happened before it arrived on my desk '' as if to brush off the fact that my rights were violated and they are still trying to pursue this in court.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called Equifax to check the status of a dispute. I was unable to access my complete report, Equifax could not locate my file and asked me to send them proof of my identity to further process my request. It seems Equifax was updating my report at the time and it was unavailable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$91.00} on XX/XX/XXXX ( XXXX ), {$0.00} XX/XX/XXXX ( Equifax ) Account is over 7 years old and still listed on Equifax and XXXX as a collection account with a balance. Was researched and found inaccurate, and deleted from XXXX THIS IS INACCURATE
Product: Credit reporting or other personal consumer reports

Please ensure the accuracy and precision of these customer record items. Misinformation of this nature is extremely harmful to my current credit record. Kindly verify that all related information is 100 % accurate and appropriate : XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$2200.00}. If you can not prove this information to be 100 % accurate, please update it immediately. Thank you.