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

The company Capital One sent me an email saying to give them a call about suspected fraud on one of my accounts.

I am a XXXX XXXX and I XXXX XXXX XXXX XXXX XXXX here and there for my friends to use as needed. 
A customer whose contact info was given from a classmate looking for secret shopper assignments to make extra money on the side from school. The person I was in contact with turned out to be a scammer gave me a bad cashiers check unknown to me. From my knowledge cashier checks were guaranteed funds so I didnt see any issue with the check. My bank didnt deposit the check and asked me to explain the check. 
I did and Ive never had this issue before in the accounts Ive had with them for years. 
The representative asked me for the contact info for the person I got the check from and I gave it. She said there was nothing she could do because the number wasnt coming back verified to the name on the check. Thats all the info I had and I gave it to them and the representative stated there was no time frame for when I would get my funds from my primary account which was a completely different account. She said they decided to cancel all my accounts and there was nothing I could do. Ive been banking with Capital one for years and even have my auto loan through them. My paycheck and federal and state refunds in this account and I just want my money mailed to me but the bank is dragging their foot and offering no help or answers when I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just checked again my TransUnion, XXXX and XXXX credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Credit reporting or other personal consumer reports

My identify was stolen back in 2017 ever since then I been having problems with someone or people using my name and information
Product: Mortgage

My husband lost his job and he was without a job for 8 months and the mortgage went from XXXX to XXXX because we didnt do the start program. We started the process of the loan modification and we made 3 payments in a roll. One day we received a letter saying that we going into foreclosure. The letter include the name of the case manager with an extension number we started calling and we couldnt reach him so when other representatives answers the phone they cant give you information about our case. One day finally other case manager tell us that the modification process was denied because we have a hold in the tittle. The house was purchased in XXXX and the hold was for a ticket in XXXX. We put 20 % of down payment. So they tell us to started the process again sending all the information that we pay the ticket. We did that and for several weeks since we started for the second time in XXXX they never received the information or the system was down or we needed to wait 48 hours for them to receive the emails. I send the information by fax, mail and email and they never received it. Our intention was always to pay but they dont let us pay part of it. So now on XXXX we received the letter that we are in foreclosure. So we feel that we were played. I do have emails proving that they received the letter email. But they keep changing the email address every time that I spoke to a different customer representative
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.
Product: Mortgage

I applied with Newrez mortgage for a cash out refinance for a home improvement project. I was assured that everything met the credit standards, I had plenty of equity in my home and my social security income was enough to qualify me. During the underwriting process a bank statement was requested for my personal bank account. I provided those documents and after viewing them it was requested to get copies of my llc business bank account. They used the term sourcing the funds concerning some transactions on my personal bank account. I explained the situation and provided a third statement to help clear up the issue. Since my business was not applying for the loan in anyway it should not be necessary to have those banking statements. My loan officer XXXX XXXX even mentioned on a call that in all his years in the industry he never heard of anyone asking for bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit score on XX/XX/XXXX TransUnion file # XXXX I noticed that on my school loan from Dept of ED/XXXX  # XXXX Showed a high balance of {$6200.00} from XX/XX/XXXX to XX/XX/XXXX and {$6200.00} from XX/XX/XXXX to XX/XX/XXXX but that's not my balance. My balance is {$3600.00} since XX/XX/XXXX. My balance from XX/XX/XXXX to XX/XX/XXXX was {$3500.00}, {$3600.00}, {$3600.00}, nd {$3600.00} not {$6200.00} like my credit report shows. 

Also this account is almost XXXX XXXX XXXX. Shouldn't it have been removed from my credit report after XXXX XXXX years?
Product: Credit reporting

Debt collector, XXXX XXXX XXXX XXXX is reporting the incorrect date of first delinquency and re-aging the account adding an additional year. Transunion refuses to correct the date as they state they are not responsible for what is reported and they are not authorized to correct errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) a  correspondence to RISE  ( www.risecredit.com ) in regards to a falsely reported item/account being reported to the credit bureau ( s ). This correspondence was received on XX/XX/2018 per the above referenced tracking number and signed for by XXXX XXXX. As of XX/XX/2018 I have not received any response from RISE, which is a grave dishonor on their part. This corporation is in violation of 15 U.S. Code 1692g, by falsely reporting items/accounts to the credit bureaus without first lawfully verifying, validating and confirming that what they're reporting is in fact correct and not false. The credit bureau ( s ) have also falsely continued report the false item/account on my credit report. I am also filing a police report as one the final steps before pursuing litigation and suing all of the pertinent parties involved i.e RISE and credit bureau ( s ).
Product: Credit reporting or other personal consumer reports

I was involved in the XXXX data breach they did nothing I received no compensation even though I filed three separate claims I have disputed things on XXXX and Trans Union because my whole identity was stolen to the point that someone has filed income tax in my name they have used my health insurance they have open bank accounts I have asked experience XXXX and Trans Union all to open disputes Only to find out that none of them did anything
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received an alert through XXXX XXXX and XXXX XXXX that an hard inquiry was reported to my credit file to XXXX XXXX. The inquiry was made through Barclays Bank Delaware on XX/XX/2023. I contacted Barclays Bank Delaware, and they told me that they did not show an application on file. I told them I did not apply for anything and that to please remove the inquiry. They responded and said that since they did not find an application on file, they couldnt remove it. I advised them that since it shows that they reported it, that they have to remove it. They advised they couldnt because they dont show an application submitted. This is a fraudulent inquiry account reported to my credit file. Please help to remove this. 

On XX/XX/2023, I received an email for a credit contract from XXXX XXXX XXXX. When I contacted them they advised that they did not receive or had an application on file relating to me. This as well is a fraudulent account reported to my credit file. Please help to remove this.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiry need to be removed : XXXX - Date : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX  ARE ALLOWING TWO COLLECTION ACCOUNTS TO BE REPORTED OPEN ONE MONTH THEN CLOSED THEN NEXT MONTH. MARYLAND STATE LAW REQUIRES THE ORIGINAL CREDITOR AND COLLECTION ACCOUNTS MUST BE DESIGNATED AS CLOSED AFTER 3 YEARS AFTER DATE OF FIRST DELINQUENCY. THERE IS NO LEGAL OR LAWFUL WAY OF DEBT COLLECTION AFTER THIS DATE. I HAVE SENT VIA REGISTERED MAIL TO SAID COLLECTION AND ORIGINAL CREDITOR ACCOUNTS CEASE AND DECIST LETTERS VIA US POSTAL CERTIFIED MAIL. I WILL CONTINUE TO REPORT THIS AND CONTACT THE MARYLAND ATTORNEY GENERALS OFFICE THEN PURSUE A LEGAL REMEDY AGAINST EXPERIAN, TRANSUNION, AND EQUIFAX. THEY ARE CURRENTLY VIOLATING FEDERAL AND STATE LAW REGARDING CREDIT REPORTING PRACTICES. I HAVE MADE COMPLAINTS TO THEM AND ALL EVIDENCE IS IN THEIR POSSESSION. MY CREDIT SCORE JUMPS 70 POINTS EVERY OTHER MONTH DUE TO THEIR NEGLIGENCE. THIS MUST STOP THIS IS ILLEGAL AND I WILL SEEK DAMAGE.
Product: Checking or savings account

We keep getting arbitrarily harassed by TD Bank and their merchant services affiliate XXXX - like for today for example we woke up to try and login to our XXXX XXXX account ( a feature created by XXXX to access our credit card deposits/chargebacks/etc ) and the " password didn't work. '' So then after we changed the password by authenticating ourselves a few times via email, and were able to log in, the entire data for merchant account ending in XXXX was completely and totally deleted, we think in retaliation for filing so many bona fide legitimate complaints against these XXXX entities with the CFPB and the XXXX XXXX. Please urgently investigate and advise.
Product: Credit card or prepaid card

In 2020 I received my chime prepaid card I never used. After my identity was stolen again on my current bank I tried to return back to chime for help. Chime refuses to not only respond properly to my asking to update my information inorder for my access to my account they say you're only allowed one account per person but also not allowing me access because I don't have or can't remember my information since 2020. I want my account back. I want my information updated. I need corporate to hear how I'm being mistreated over 3wks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE TWO SPECIFIC ACCOUNTS THAT NEGATIVELY REMAIN ON MY CREDIT REPORTS, NOTHING HAS BEEN DONE IN REGARDS TO REMOVING THE ITEMS. I HAVE ATTEMPTING TO DISPUTE THE FOLLOWING ACCOUNTS NUMEROUS TIMES : XXXX XXXX ( XXXX ), & UNKNOWN MEDICAL ( XXXX ). NOTHING HAS BEEN DONE ABOUT THIS MATTER AND IT'S GETTING TO THE POINT WHERE IT'S FRUSTRATING. PLEASE HAVE THE BUREAUS REMOVE THESE ACCOUNTS ASAP. THEY'RE NEITHER VERIFIABLE, ACCURATE, NOR COMPLETE ( FCRA ), AND I DEMAND FOR THESE ITEMS TO BE REMOVED IMMEDIATELY. THEY DO NOT BELONG TO ME!
Product: Payday loan, title loan, or personal loan

I started a lease with Hyundai on XX/XX/XXXX, with the lease end date being XXXX XXXX. In XXXX of XXXX I moved from XXXX XXXX ( the state I was leasing in ) to XXXX XXXX I had changed my license to XXXX XXXX, so I needed a state to state transfer of the registration. I called Hyundai finance and they told me they would send the title to DMV for me. I made the appointment, and was told by DMV they had no received anything. I waited until XXXX when I decided to buy out the car after my lease. On XX/XX/XXXX I send a cashiers check of almost XXXX to Hyundai and they cashed it 2 days later. Today is XX/XX/XXXX, and I have no idea when I will receive the title to the car I paid in full for. The car can not leave the driveway at this point. I call at least every 2 days for an update because I am constantly getting the runaround of when I will receive it. For the first two weeks I was told to wait 3 business days for processing. Which processing? I was never explained what was even processing. Then miraculously on XX/XX/XXXX I was told the DMV does have the title, the entire time apparently. So a title they were processing, was at the DMV. I was then told DMV was going to destroy the title ( because it had a lein on it ). A week later I was informed that they was unable to happen and Hyundai requested the title back from DMV. Maybe a few days later I called back, Hyundai still said DMV had the title. I called a lot of times and they claim they keep notes on each call, but it seems like no one knows what is even going on with the title. I am now told they have the title, Hyundai in Texas does. They are now processing it. Again. I need the title, bill of sale, and release of lien. All of which I am constantly told will happen in 3 days. It has now been over 8 weeks. Me and my daughter ( an insured driver and co-leased the car with me ) rely on the call to get to work and school. I need to the title to register it, but am receiving no help doing so.
Product: Debt collection

I sent a complaint back in XX/XX/2016 ( complaint number XXXX ) to One Main Financial and after the complaint they changed the account and begin sending letters and the last one sent threatened to sue me if I do n't pay. After the first complaint of them calling me at work and getting me in trouble and switching my account and now threatened to sue me. They have and are in complete violation of the Fair Credit Act.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXX ( the company ) and I was deactivated from the platform based on a consumer background report that was provided by CheckrXXXX. The report listed pending XXXX XXXX that I have yet to go court for as the pretext for my deactivation. My account deactivation prevents me from working on the platform as XXXX XXXX which has been key source of income for me for XXXX  years now. I was deactivated on XX/XX/year> at around XXXX EST after I finished completing a trip. This has created a severe hardship for me and my family, because this work has become essential income stream and has been taken away from me, yet there is no material change in my driving record or criminal background. Additionally this comes at really tough time of the yeart during the holiday season where potential earnings are typically higher and the need for income is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Checking or savings account

I checked my account online on XX/XX/19 and notice XXXX debit card transaction that I did not make. I called Regions ' Bank XXXX Customer Service Dept. The associate review the transaction and advise me that my debit card was compromised, she then immediately closed this card and is re-issuing another card with a new pin. I went to the local Police Dept. to file an official report and my wife went to XXXX 's Bank to see if we could get this reported to them and our money back. The customer service representative stated the items were in a pending status and there was nothing she could do until they post to the account and we could be looking at XXXX weeks. The fraud caused all of our money to be taken as well as future XXXX  deposits from my vendors. I had planned a trip for my grandson this weekend as he is turning XXXX XXXX XXXX and have never been to XXXX. I have gotten absolutely NOWHERE with Regions, just there is nothing we can do. I told them that if the items are still pending, why can't they simply not pay them against the account. This is XXXX items totaling {$2800.00} and I have a total of {$280.00} in XXXX charges so when my XXXX deposit of {$2400.00} post to the account, because it is overdrawn it will absorb this money as well. The Tropical Storm is approaching and I don't have money to buy gasoline and Storm necessities. This is just wrong, that a financial institution can't do anything. I was told by customer service at the XXXX number, that they just missed this fraudulent transaction, because I did ask if they had anything in place that alerted them of out of country transaction. She further stated that perhaps I could " get a loan ''. I just need satisfaction of this most unfortunate issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the three credit bureaus to check and see was the information on my reports correct and no one got back with me about the XXXX accounts that's on my report none of the information matches at all the accounts numbers, dates, reported dates, last reported dates XXXX  XXXX  # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX  XXXX # XXXX If, after reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I promptly deleted that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Product: Vehicle loan or lease

There have been several calls to the financing company regarding lowering the interest rate ( 25 % ) to a reasonable rate ; the monthly note is nearly {$500.00}. This appears to be usurious and possibly discriminatory. An attempt was also made to get an extension ( XX/XX/XXXX, XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter XX/XX/2023 with all 3 credit bureaus. I just checked my credit report and see that the item is not listed as disputed. I do not believe that this company is following the law, because 15 USC 1692 E h states communication or threatening to communicate information to any person which is known or which should be known to be false including the failure to communicate that a debt is being disputed. 
XXXX XXXX XXXX XXXX posted XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

I tried for over six months to modify my loan and in the end it was denied for excessive debt. I have an adjustable rate loan which is 2 % above current rates. They refused to even lower it to todays market rate which would have made the loan a lot more affordable. In addition, it is still an adjustable rate loan which can change every year. They did nothing to help me.
Product: Debt collection

On XX/XX/2018, I received a Notice of Collection from Penn Credit Corp on behalf of Florida XXXX XXXX XXXX, requesting a balance due of {$270.00}. 

After reading the letter, I called the 1-800 number provided. I spoke to a representative and I explained that I was not a resident of XXXX XXXX during the period in question. Furthermore, I explained that during the period in question, I was a residing in XXXX XXXX and that I had not established the alleged XXXX account. 

The representative instructed me to provide the entity via E-mail ( XXXX ) with a copy of an Electric Bill with the company I had an Account during the period in question ; as well as other documentation which proved my place of residence during the period in question, in order for the entity to review it. 

The representative also noted that, once Penn Credit reviewed the documents which proved that, I was a resident of XXXX XXXX during the period in question, this matter would be cleared with their Client ( XXXX XXXX and I would be exonerated from the alledged XXXX Account debt. 

Immediately after I spoke to the representative, I E-mailed all requested documentation which clearly demonstrated that I resided in XXXX XXXX and not XXXX during the period in question. 

I provided Penn Credit Corp with enough time to review all documents provided but no one from Penn Credit called back to provide me with a resolution. Therefore, I called today XXXX   XX/XX/2018. 

During the call, I explained to the representative who responded the reason why I was calling ; after my explanation she requested a moment to review the notes on the Account and after reviewing them she stated that, in order to get this matter cleared with the Client ( XXXX ), I would need to show proof of a final payment for the Balance due. 

I told her that, the point of me providing the XXXX XXXX XXXX with documentation that demonstrated I was not a XXXX resident during the period in question was in order to make sure that I'm not held responsible for the payment of the alleged amount due. In addition, I noted that I did not establish the XXXX account during the period in question, therefore I'm not responsible for the outstanding balance. 

Despite this the representative stated that, the only way I could get this matter cleared with their client ( XXXX ) would be paying the alleged balance due. 

Penn Credit Corp has failed to give me required notices and/or disclosures e.g. written validation notice, including the consumer rights under the federal Fair Debt Collection Practices Act. In addition, the Entity is now harassing me, and trying to collect the balance due, even after I have provided evidence as per instructed by the representative from your facility on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA XXXX XXXX has violated my rights. 

15 U.S.C. 1681section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.