23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A letter with an unknown person name was sent to my address regarding a claim Of identity theft and a XXXX letter regarding a closed account. The credit card XXXX XXXX XXXX /XXXX  XXXX XXXX
Product: Credit card

I have a Cabellas card through Capital One - I also opened a small business card account with my fiance. We started a small business with our own funding. I made a payment of {$650.00} to the {$500.00} limit business card with capital one XX/XX/XXXX and the account was closed or suspended immediately after. I was told I did not use the card as intended? Then it was because I had violated terms and conditions. ( This card is {$500.00}. I couldnt possibly understand how the amount owed had changed to an additional {$390.00}. ) then a few weeks go by, I made a payment as scheduled on my Cabellas card with capital one and immediately after my account was also suspended. When I called I was given the same generic non answer as before. Now I owe XXXX XXXX in credit card debt. I have been with Capital One for 15 years. Not a single issue till now. This is not ethical or fair. I was given ZERO notice when making this payment that the next transaction wouldnt go through. I am at a loss of words.
Product: Debt collection

Legal Aid took this to court and it is Account Info deputed by consumer meets RCRA requirements in XX/XX/2016
Product: Debt collection

Reported failure to pay after account closure date. Account high balance is incorrect and over limit. They refuse to provide all information to validate saying it 's unnecessary. They have repeatedly harassed for years wi th 5-6 rob ot calls a day after being told to cease and desist.
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.

U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF EDXXXX Account # 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 or other personal consumer reports

The Social Security Administration declared me deceased accidentally. On XX/XX/year>, I went to the social security office and showed proof of life and was given a letter stating they made a clerical error. XXXX XXXX XXXX XXXX XXXX XXXX  and my credit and health insurance has been cut off. 
Meaning I could go into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have no insurance or be able to sign the XXXX XXXX because I don't exist!!! Additionally, my husband and I lost a house we were closing on because I am dead and have no active credit for a loan. This has greatly negatively impacted my life and the health of my XXXX XXXX. I need this resolved immediately as I could go into XXXX XXXX XXXX and I am unable to get a house because my amazing credit score no longer exist because of a SSA clerical mistake I did not make or deserve.
Product: Checking or savings account

I 've had the same checking / atm access account with Bank of America for almost 30 years. While reviewing the XX/XX/ Statement, I noticed a XX/XX/ withdrawal transaction of {$200.00} in addition to a related {$2.00} fee charge with the reference " XXXX XXXX # XXXX WITHDRWL XXXX  XXXX XXXX XXXX XXXX MO activity type withdrawal '' I immediately contacted Bank of America Customer service to inform them, that I have never been in Missouri, and I certainly did n't take any cash out of any ATM at that location, at any time, let alone XX/XX/. 
They issued a temporary credit and said they 'd investigate. 
Approximately a month later I got a form letter saying they 'd investigated my complaint, said it was an valid withdrawal, and again re-charged my account the {$200.00} + {$2.00} service charge. Nine calls later, over the course of approximately 3+ hours, Bank of America has yet to provide any explanation validating this charge to my account. On 4 separate  occasions, their telephone service representatives assured / promised me that they would get me a detailed explanation by the following day or two. I heard / got nothing. All they eventually said is that it 's likely someone at some other ( different State ) card use, skimmed my card and pin number and subsequently produced a fake card to take out money from my account. The fact that Bank of America is so flippant about the fraudulent removal of money from my account is alarming. The fact that with all their hopefully sophisticated anti-fraud technology, they did nothing regarding an ATM transaction from a State ( Missouri ) where their customer ( me ) had / has never been suggests an appalling lack of the most basic responsibility that a financial institution should have towards those who entrust it with money. If this is the level of security now being provided by nationally chartered banks, then one might want to start considering keeping one 's money under the mattress, because it certainly is n't safe with Bank of America. At best, they 're incompetent. As worst, they facilitating or committing bank fraud upon their customers.
Product: Payday loan, title loan, or personal loan

I went to the bank to stop the automatic payments. After I did this I got a new payment taken out. I have contacted XXXX XXXX multiple times to stop the payments from coming through and they will not stop. I have tried working with them and they are unwilling to. I told them if the could stop the automatic payments and they will not. I have sent a revocation for eft and they will not accept it
Product: Credit reporting or other personal consumer reports

Transunion is reporting these inquiries that i didn't make, the accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX / 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 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 ) ( 1 ) 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: Vehicle loan or lease

I received an email from Credit Acceptance to set up online bill payments on the purchase of a used vehicle. I have not ever purchased a vehicle through their network. 

I spoke to a representative and he was not able to give me any details on the purchase. I received a reply from their legal depart because of my complaint and they are not able to give me any details on the account.
Product: Credit reporting or other personal consumer reports

Immediate Action Required Request for Deletion of Accounts Due to Non-Compliance with FCRA Dear Sir/Madam, I am writing to file a formal complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the investigation and verification of several accounts listed on my credit report. Despite disputing the accuracy of these accounts, Equifax has failed to provide the necessary documentation or evidence to show that a proper investigation was conducted. This non-compliance constitutes a violation of the FCRA, and I am requesting immediate action to resolve this issue by having the following accounts removed from my credit report. 

I am fully aware of my rights under the FCRA, including the requirement for credit reporting agencies to conduct reasonable investigations and provide verification of disputed information. Equifax has not provided any details of the investigation process, nor have they shared evidence that these accounts were accurately verified. Therefore, I demand that the following accounts be deleted from my credit 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 Issue : Unpaid The failure to properly investigate these accounts and the absence of supporting verification violates the FCRA, specifically Section 1681o, which holds credit reporting agencies accountable for negligent non-compliance. I am requesting that the CFPB take immediate action to ensure that these accounts are deleted from my credit report. I believe this is the fair and appropriate resolution, as Equifax has not met the statutory requirements for verification under the FCRA. 

I trust the CFPB will intervene swiftly to protect my rights and ensure that Equifax is held accountable for its failure to comply with the law. 

Thank you for your attention to this matter. I look forward to your immediate response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested proof of purchase and agreement, ,of my account
Product: Credit reporting or other personal consumer reports

I've tried to cancel my Experian account several times but I keep getting XXXX alerts from them. I told them to delete all my information and not contact me anymore while speaking to an agent and they assured me they would cancel my Basic account but I still get dozens of emails from them every month. Its beyond infuriating.
Product: Mortgage

I APPLIED FOR A LOAN MODIFICATION ON MY INVESTMENT PROPERTY OWNED BY XXXX XXXX. I WAS DENIED BECAUSE " YOU DO NOT LIVE IN THE PROPERTY AS YOUR PRIMARY RESIDENCE ''. XXXX XXXX OFFERS LOAN MODIFICATIONS FOR NON-OWNER OCCUPIED PROPERTIES. ADDITIONALLY, I HAVE BEEN LATE EVERY MONTH IN MAKING MY PAYMENTS BECAUSE I CA N'T KEEP UP BUT AM TRYING MY BEST NOT TO GET FORECLOSED ON. 
Mortgage and Borrower EligibilityEligible Property TypesThe following property types are eligible for the Standard Modification : Owner- or nonowner-occupied properties. ( i.e., primary residences, investment properties, or second homes ). 
Vacant properties, but can not be condemned. 
Eligible MortgagesThe following mortgages are eligible for the Standard Modification : XXXX-lien mortgages owned, guaranteed, or securitized by XXXX XXXX. 
Mortgages originated at least 12 months prior to the evaluation date for the modification. 
Mortgages may be previously modified, but not more than twice.
Product: Credit card or prepaid card

Capital One Bank refused to refund a fraudulent repeating charges on my card ( {$25.00} charges evert month without my authorization. ) Plus Capital One Bank blocked online access to my account and transactions information on my credit card. An employee at customer service line hung up on me when I requested to transfer me to his supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is clear case of fraud and should be deleted from my credit report. This company and credit bureau has failed to give me a fair honest investigation. They can not validate nor do they have any evidence that this is me. This is not right. This collection agency has reached out more than once and I have already told them that is a clear case of fraud and they can not even give me proof, evidence, or validate this. Please look into this as I am getting taken advantage of. I have plans that I need my credit for this year. I am a brand new father of a daughter. My credit means a lot to me and and means a lot to my daughter future. 


This is 100 % me XXXX XXXX XXXX. Please contact me at XXXX if you guys need to verify that this is me. I will send over nay documents you need in order to fix this XXXX problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Affirm closed the following account and stated that I was not responsible for the remaining balance. They also mentioned that a refund would be issued within 10 business days. On XX/XX/year>, I filed a dispute through XXXX to have Affirms account status removed from my credit report, as the account had been closed but was still listed as open, which is inaccurate. On XX/XX/year>, XXXX notified me that Affirm did not delete this account from my report and that it would remain marked as open, which is incorrect.
Product: Student loan

I have been put in continuous forbearance with huge amounts of interest applied for over a 10 year period and not told about  IBR  options until last year. I only make about  XXXX  a year and my balance has gone from about  XXXX  to  XXXX  now. I have made payments when I can but I struggle and I filed BK  XXXX  in  XXXX  in    2013  with an income of only about  XXXX  a month and was not allowed to put in on the bankruptcy?
Product: Mortgage

My Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Loan # : XXXX PHH Mortgage is my mortgage company. I made a payment last XXXX and used the incorrect bank acct ( my fault ), i called the company the very next day they told me they would run the check again so i changed the funds to the correct account and waited for they to run the check again. Well, i guess they decised not to run the check again and it cause my trial mod to be voided which i told the rep that i was on a trial mod. A foreclosure date was set and i filed Bankruptcy to avoid losing my home. The mortgage company told me to resubmit the modification and I have on 3 different occations. Since the bankruptcy I have resubmitted it twice and nothing is being done. It was only when i call i ffound out that they cancelled my first request without notice and when i called they told me they wanted me to start the process over. So I started over and its been over 1 year and 45 days and i havent heard anything until yesterday i called XX/XX/2019 and now they are requesting more documents. My mortgage company does not reach out to me via of phone, email or mail at all!!!!!!!!! I need help!!!!!!! On serveral conversation i have ask them to email me and i gave my son 's mailing address and nothing ... .. I dont want to lose my home and the bankrutpcy payments are killing me. Can someone help me push this through? Or can i file a law suite for answers. DO ANYONE CARE! I have a better paying job and things are starting to look up for me since the death of my spouse. I just need help?
Product: Mortgage

Got behind on mortgage, did a modification and then what we thought was a refinance. Found out when we sold house years later that there was a second mortgage on property. We did not know that,
Product: Checking or savings account

I am writing to file a complaint against navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of changes 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 practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I have a Credit account with XXXX XXXX, and my monthly payment of XXXX $ is due on the XXXX of every month. I typically go online and make the payment but for some reason the online option was not available, I was informed via email that they changed bank but the only thing that would change is I would get a new account card in the mail, but I figured thats why there was a problem. I went into the store around XXXX on the XX/XX/XXXX and was informed they would only take cash and check now, no longer card. They gave me a number to call to pay over the phone and use my bank info ( ( XXXX ) XXXX ). I called the next morning on my lunch break at noon ( XX/XX/XXXX ) and proceeded with a 6 min call eventually being able to input a routing and account #. I did n't hear anything from the company. I checked my personal bank account on XX/XX/XXXX and to my surprise the company decided to pull from my saving and not my checking account and now there was an overdraft fee from my bank since I only have the money in my checking. I figured since the system did n't allow me to specify checking or savings they just pulled the wrong account so later that night ( XXXX ) I called the same number and spoke to a rep. who informed me that the account looked in good standing at that time and there were no problems. I informed the rep that the money would return and the funds were n't available in that account. his response being I " would be informed if there was a problem with the payment ''. after asking if this lapse in payment would affect me or give me any late fees and being told that it would n't i hung up and awaited a call or an email ... neither came. I checked my account again on XX/XX/XXXX and discovered another over draft fee. I was not informed that the payment returned and there was a resubmit in the works. I called the next morning ( XX/XX/XXXX ) at XXXX XXXX, and spoke to a manager, who informed me that they would n't help me take care of any fees and that it was my problem, even though I was told I would be notified. her only response was that i was notified via the postal service, which i did n't even receive until XX/XX/XXXX, well after the resubmit. Now I do n't have the money to pay my bill since I now have a -XXXX $ balance from overdraft fees from XXXX XXXX.I recall the company on XX/XX/XXXX at XXXX XXXX and am transferred to the XXXX XXXX payment help division. After a brief conversation with the rep, I am given no further info. Asking questions is met with such statements as " I do n't have an answer for you '', " I do n't know '', and " I do n't know why you think that ''. The rep told me i was now past due XXXX $ ( even though I have overpaid on this account multiple times by at least 40 $ ). Upon informing the rep that the company has been deceitful with me since day one giving me interest up to {$40.00} dollars a month even though I was told no APR for the first year, and that i do n't know why i am past due more than i owe monthly even though i was informed no late fees would be applied, I was once again met with the response " I do n't know what to tell you ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I did not benefits from any goods or services of this fraudulent account opened in my name without my permission. I am requesting for Discover Financial Services to remove and delete this fraudulent account from my XXXX Credit report. 

I have never had any affiliations or accounts with Discover Financial Services. I have included a copy of my police report as well as the letter from Discover Financial Services for this fraudulent account to be removed and deleted from my Credit file. Why Does XXXX still have this fraudulent account on my Credit report when Discover Financial Services instructed them to remove it? I am requesting for Discover Financial Services to send another request to XXXX for this fraudulent account to be removed and deleted immediately. 

I talked to a Fraud SpecialisXXXX at XXXX who advise me to send a letter to Discover to remove and delete this account. 

Please remove and delete this fraudulent account immediately from my XXXX credit report : XXXX. Account name DISCOVER FINANCIAL SERVICES Account number : # XXXX Date opened : XX/XX/2019 Balance : {$8600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EXPERIAN HAS YET TO REMOVE ACCOUNTS THAT DOES NOT BELONG TO ME OR MAILOUT ANY PAPERWORK SHOWING THAT A DISPUTE HAS BEEN DONE