23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a {$50000.00} mortgage to buy a {$260000.00} home about 90 days in advance of closing on XX/XX/XXXX. From the very start I was asked to upload my taxes, print and sign a myriad of documents, prove my retirement income and social security, and to upload 2 months of transactions from my local bank accounts. I do my taxes on paper, not software. I offered to send copies. No good. I couldnt print. I asked for the documents to be sent to me, I would sign and return. No good. Navy Federal Credit Union has been receiving my military retirement pay every month since XXXX, and my social security pay every month since XXXX. No good. I had recently cashed in two certificates of deposit ( issued by Navy Federal ) in the  amount of nearly {$55000.00}, and had received over {$180000.00} in proceeds from the sale of my home, a copy of the signed settlement statement being provided to NFCUa total of $ XXXXmore than adequate to cover my down payment. Again no good. As it turned out, I was 4 business days from closing without an approved mortgage, and was asked to show 2 months of transactions from my local bank accounts, even though I had already proven I had the funds. I ended up paying cash. I was a member of NFCU for 40 years. Was.
Product: Credit card or prepaid card

I have 2 credit cards with Capital One and I requested a credit line increase on each one and was denied both times for the same reason and the reason given is not accurate. The reason given both times was that " there is legal action pending against the applicant '' which is definitely not true. That reason is not even listed on the Capital One website about why credit increase requests are denied and after doing some research apparently no one at Capital One can tell anyone why or how this happens.
Product: Mortgage

We closed escrow on XXXX XXXX XXXX, the Wells Fargo Mortgage was paid off through escrow on XXXX XXXX XXXX. The homeowners insurance held by the California XXXX XXXX XXXX, due XXXX XXXX XXXX, was paid by Wells Fargo on XXXX XXXX XXXX for the following year while the home was in escrow with a fixed closing date of XXXX XXXX. Since we moved to another state, even with correcting the mailing address several times with Wells Fargo, it took 6 months to receive our escrow impounds check from them, which did not include an itemized list of the payout. We did not discover that we were insuring a house that we did not own until XXXX XXXX XXXX, when the insurance company sent us a notice of renewal for the coming year. Wells Fargo wrongfully paid a year of homeowners insurance from an escrow account on a home we no longer owned. If that 's not wrong, I 'm not sure what is. In the state of California it is illegal to insure something you do not own, Wells Fargo therefore made us illegal without our knowledge. After several calls to the insurance company, Wells Fargo and the escrow company we have been given the run around, with no foreseeable reimbursement for their negligence in site.
Product: Debt collection

They have reported a high balance along with the payment history even after the account was closed. This is a violation of my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$500.00} Balance updated XX/XX/2022 Account number : XXXX In accordance with The Fair Credit Reporting act XXXX Account number # 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.

I demand this be taken off my report immediately!
Product: Debt collection

I created an account with Binance transferring {$1000.00} over to it. A few days later the bank I tried to transfer funds from put a hold due to Binance not being recognized as an established financial institution and flagged it as fraud. I tried my other bank and received the same outcome. Based on this I questioned moving forward with this company. 

I had already traded for XXXX within the account as they allow immediate access to funds you preload with. The trade I made increased in value and because I was unable to fund the account ( since all my banks would not transfer money to this company ) Binance closed the account and liquidated the funds and the surplus would go to them since the account was not funded by my bank. 

Now, XXXX months after this I am being told I owe {$28.00} due to them not being able to recapture all of the {$1000.00} that was funded. When I log in to download the data, it shows no trade data. After requesting from Binance there own data shows a positive amount after the account was liquidated. I have requested this data from Binance with an explanation of where the {$28.00} is coming from as it is not shown on the attached statement they provided. 

- I was never notified of any negative amount until I received a call from a debt collector, keep in mind Binance has all my personal information - There is no record of any of this data on the website once I download the trade data. It only became available after speaking with a supervisor at Binance - The data provided by Binance shows no such amount of the above {$28.00} see attached data
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay 's is reporting on this account monthly charge off status with a late payment that was sold to multiple third parties, they are not reporting accurate information and is hurting the chances for us to get a mortgage. They are reporting the account charged off but the account was sold three times per conversion with Management and One of the third party collection agency ( see attachment ). they sold it to 3 third parties, and every time we try to arrange the payment they take it back From the third party. A Manager who we spoke to from Barclays hang up after I asked her If they sold the account why are they still reporting it as charged off instead of closed/ sold and transferred. I Had an agreement with one of the third parties ( XXXX XXXX XXXX XXXX ) ( SEE ATTACHMENT ) this account should be removed because every time we have a agreement or we call in to set a agreement Barclays takes the account back and the next third party they sell it to wants more money. I Have not received documents from Barclay about this account until I seen it was charged off on my credit. Per credit agencies this account Is NOT in dispute and credit report ( see attachment )
Product: Credit card or prepaid card

Synchrony Bank had established a credit line through their care credit program with me but closed my account without consent. They claim I am a high risk creditor, but I didn't carry a balance with them nor did I ever have a late payment with them. My overall on time payments is 100 % across all credit reporting agencies. I have a low balance to credit profile as well. This bank didn't contact me in regards to the closure. The closure negatively impacted my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft, which has resulted in unauthorized accounts being opened in my name. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts from my credit file : Unauthorized Accounts XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$920.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$63.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$740.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$390.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$650.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$550.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00} XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX - XXXX - XX/XX/XXXX - {$360.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX XXXX {$550.00} Unauthorized Inquiries XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Contacted XXXX XXXX to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a 1099-c a cancellation of debt irs form , due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and XXXX and TRANSUNION 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 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.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802.

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. 

The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! 

XXXXXXXX XXXX  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 ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e 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 1681b of this title. XXXX and XXXX and TRANSUNION 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. 

Violating the privacy act of 1974!
Product: Debt collection

XX/XX/XXXXvia telephone call capital accounts llc, the spokesperson stated that I owed a balance that is not accurate. I informed the spokesperson that I filed a complaint with XXXX stating that the balance due was not accurate and my balance was reduced. therefore I said that I was not going to pay the balance because it was not accurate. The spokesperson used sarcasm stating that this matter should have been addressed back in 2012. I 've been informed him to that 7 years past that date The Collection would fall off my credit report he argued with me and stated that it will not fall off. I then asked him not to call me and he said that he will call me tomorrow and again the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint to the 3 Credit Bureaus last XX/XX/XXXX2022 and I have also been waiting for their response since then. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or were they authorized by me. The XXXX, XXXX, and Equifax Credit Bureaus is given the time to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that the Credit Bureaus are obligated to finish their investigation within 30 days and must stop reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items I found to be fraudulent and yet they are still reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$430.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX # XXXX XXXX, TX XXXX
Product: Checking or savings account

Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$210.00} in erroneous and excessive overdraft fees which has caused my account to have a severely high overdraft amount. On XX/XX/2018, BB & T Bank charged me {$72.00} in over draft fees, on XX/XX/2018, BB & T Bank charged me {$36.00} in overdraft fees, and on XX/XX/2018, BB & T Bank charged me {$100.00} in overdraft fees. I called BB & T bank 's customer service line on XX/XX/2018. I told them that I wanted to dispute a transaction that took place on XX/XX/2018 on my account with XXXX XXXX who erroneously charged {$130.00} on my account. The BB & T customer service agent told me to dispute the transaction with XXXX XXXX and wouldn't let me dispute it with BB & T. I told the customer service agent that BB & T as a result of this XXXX XXXX XXXX BB & T Bank is continuing to charge me overdraft fees. The BB & T customer service agent told me that BB & T would reverse the overdraft fees if the transaction is reversed. I expressed my concern that BB & T is continuing to excessively charge me overdraft fees on my account, the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$66.00} with XXXX XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$19.00} with XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. 

I again called BB & T on XX/XX/2018 regarding the XXXX XXXX transaction that took place on XX/XX/2018, because BB & T was continuing to charge me overdraft fees on my account. The BB & T agent didn't care again that BB & T Bank was charging me excessive overdraft fees. 

BB & T Bank is abusively charging my account overdraft fees. I called BB & T Bank customer service while the overdraft fees were being assessed on my account because I had disputes on transactions that had gone through, and the BB & T Bank customer service agents didn't care. BB & T charged my account {$210.00} in abusive and erroneous overdraft fees between XX/XX/2018 and XX/XX/2018 which is causing my account to be severely overdrawn.
Product: Vehicle loan or lease

We were in the process of buying a Tesla, we agreed on the term of the lease for a specific car with a specific VIN number, they sent us the lease that is signed by them. XXXX before delivering they " voided '' that lease and told us they made a mistake and the car XXXX is not gray but XXXX and they can not honor this lease and want us to pay a lot more for that car in XXXX. They sent us a new lease which we haven't signed as we don't understand why they would change XXXX before delivery. 

We talked to XXXX XXXX & XXXX XXXX from Tesla XXXX XXXX XXXX XXXX and they told us there was a mistake on their side and they can not honor the price on the initial lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft has affected me. I've been stuck at home due to the Corona Virus Pandemic, which has me concerned. I recently saw news reports regarding numerous XXXX data breaches. When I went to check my credit reports from the three major credit agencies, I discovered that my identity had been stolen. I don't know how the theft happened. Additionally, I am not aware of any suspicions. Identity theft did not cause me to receive any cash, products, or services. I spoke with the credit bureau, who advised me to report an identity theft, which I am currently doing. I value the work you put into solving this problem. Many thanks. If you do, kindly let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2023 I have been trying to get in accurate information removed from my credit report. I even noticed inquiries on my report that I did not recognize and told every representative I spoke to and nothing. For over 3 months I did not hear a thing. Whenever I call the automation software could not verify my information and would constantly end the call. After a month I finally got through to a representative and she herself could not verify my information. She repeatedly told me information that should be correct about myself were inaccurate. Which then she escalated the call to a supervisor, who also had a hard time verifying me but finally succeeded. Upon succeeding I decided to login to my account and it states that I have limited use of the website due to verification issues. I then would call repeatedly and almost weekly to attempt to remove these discrepancies and update the information on my report. To no avail I get the same repeated script from every single representative. It has now reached 6 months of no progress. I know each call is recorded so the proof is also in our conversations.
Product: Credit card or prepaid card

Balance transfer ( 10.74 % ) being charged ( incorrectly ) AS direct deposit rate ( 17.49 % ) Also no way to contact - Can not get through to customer service. In telephone queue for over 2.5 hours!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

All three credit bureaus list my XXXX account as ADVERSE.I have made on-time payments to XXXX  for 7 years.XXXX should be listed as a NON-ADVERSE account.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX  XXXX XXXX shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used Equifax services in the current year of XXXX to provide a credit report for a loan. Equifax, for its incapability of holding onto my information and personal identity safely is a danger to me and my mother 's credit which is an important asset to our lives.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX