23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Regarding Capital One Card ending in XXXX : Since XX/XX/2023, I have been trying to make arrangements to pay my credit card with Capital One. However, this company has not attempted to assist me with a fair resolution. They continue to charge me extremely high interest rates and fees. I have been charged more interest and fees than principle. Their solution is unrealistic and impossible. They send numerous emails to threaten a charge off. 

I have spoke with many of their representatives and they continue to encourage me to call ; however, they read from scripts and do not offer any type of realistic plan to resolve this issue. 

They continue to threaten me with charge off and not provide resolutions our current problem.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Checking or savings account

I do not have the exact amount but it pertains to my checking account and fees. I was advised to file complaint due to lawsuit payout. I have been with Wells Fargo for the allotted timeframe.
Product: Debt collection

A caller with a phone number of XXXX is impersonating a lawyer out of XXXX ( red flag # 1 ) and claiming to be working with a debt collection company in NY called Titan Solutions group. They refused to provide an mailing address to the company and say they have centers all over including in TX and GA. Simple XXXX of her phone number shows this is a spoofed phone number ( red flag # 2 ) as well as there are multiple Titan Solutions groups listed online with only 1 being listed as in NY as a business of some sort but does not have a registered mailing address associated with it ( red flag # 3 ). Said they can see that I own some land as well ( I dont own any land ). They refused a Debt Validation Letter including Contract with original Creditor via postal mail. Said they would send it via email as that is how they do business and said I would only have 5 days to negotiate with them before they escalate to negatively impacting my credit again and threat to sue. I do not do emails due to recent attempts at several scams including XXXX selling my personal data to multiple illegal fake debt collectors all attempting to collect on the same debt. XXXX closed and wrote off the debt to the last of my contact with XXXX explaining they are not registered to do business in Ohio and per Ohio AG it was an illegal loan for them to market to me but also provide me against ohios interest and loan laws and creditninja is not taking any interest in clearing it up after that notice.This Titan Solutions group shows nothing short of trying to do email phishing scams, refusal to not just provide the debt Validation and contracts via postal mail but also refusing to adhere to the 30 day debt collection hold they must do once it's requested and said they would only give me 5 days to click on their email and setup a payment with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$910.00} XXXX XXXX XXXX   XXXX {$920.00}
Product: Debt collection

NCB MANAGMENT SERVICES ) at ( XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of {$6300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX continues to inaccurately report a Business Account that I am not liable for on my credit report as a Personal Flexible Account which is not correct and is a violation of my rights per FCRA. Additionally, XXXX XXXX has confirmed they will report this account as In Dispute per FCRA, however they have failed to that as well. I am requesting this business account that I am not personally liable for to either be removed from all of my credit reports or appropriately update this account from Personal Flexible Account to Business Account and update the status/comments for the account as In Dispute per FCRA as agreed.
Product: Debt collection

XXXX Credence Resource Management reported a {$500.00} debt on my credit report that I do not owe them. I will not acknowledge any collection agency and will only deal with Original Creditor. If I owe the original creditor I will pay the original creditor.
Product: Checking or savings account

Unauthorized transactions I have company 's stating I wasn't responsible for the transactions transactions were disappearing over time I called every day because I disputed XXXX or XXXX Unauthorized transactions that weren't showing and was not given reasons to why asked for all documentation git hung up on XXXX and closed my account with a negative amount so I got double the amount stolen from my account and still am trying to resolve this issue
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information appearing on my rental history report. Specifically, my report incorrectly lists an address and an eviction associated with me. I have never been evicted from an apartment. I recently applied for an apartment and was denied due to these false allegations. 

I am aware that there is another individual in the XXXX XXXX with my name, [ Your Name ], and birthday, [ Your Birthday ], which XXXX have caused this mix-up. I have encountered this issue before in a different matter. Therefore, I am challenging any eviction listed on my report. 

Despite multiple attempts to rectify this issue with your agency, the erroneous information remains on my report. These repeated failures to address and correct the inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies investigate and resolve disputes within 30 days. 

Your agencys persistent failure to correct this inaccurate information after numerous disputes represents non-compliance with these statutory obligations and is causing significant harm to me by affecting my ability to secure housing. I demand an immediate investigation and the removal of this incorrect address and eviction from my rental history report. I need this matter resolved promptly as I am in the process of relocating.
Product: Mortgage

About XXXXXX/XX/XXXX Owed only {$71000.00} XXXX ( XXXX XXXX ) on my home. I decided to refiniance with the current low rated. The mortage company call several times before. 

Early XXXX I sign a form to have monthly payments of {$980.00} from my account. According to the mortage Co. they did not get my mortage, I became afraid and called in {$980.00} XX/XX/XXXX see Exhib # 1. After noticing numerous overdraft I called my bank. XX/XX/XXXX and XX/XX/XXXXthe mortage company taking double payments out of my account up to {$3800.00} ; XXXX  without my permission. See Exhibit # 2 I am XXXX yrs old I dont know anything about mortages I trusted the mortage company and they did what they did what they wanted to with the aquity in my home. 

Please AudiXXXX my loan. I owe only XXXX XXXX my home the Co have me owing {$99000.00} they gave me {$1800.00} XXXX approx Please invistigate this. 
I sent a complaint to you XX/XX/XXXX via registered mail, I assume you did not recieve it since I recieved these papers again from you today. I will send evidence to you via fax since I dp not know to upload information on the computer ... ... I sincerly hope you recieved the documents sent last week XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The balance for my mortgage loan through XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) is reported incorrectly on my Credit Report for XXXX and Equifax XXXX The balance reported on my Credit Report is {$120000.00} when in actuality the balance ( from the account center and statements attached from XXXX XXXX XXXX ) is {$110000.00}. Ive disputed this incorrect information through XXXX XXXX and XXXX, Equifax, and XXXX and no changes have been made to reflect the accurate balance. My credit score has been negatively impacted as a result. 

XXXX File ID Number : XXXX Equifax Dispute Number : XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

My name is XXXX XXXX XXXX, a United States Citizens, XXXX born, and I purchased a piece of real estate in XXXX, Florida on or about XXXX that is located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. The Subject Property is zoned Commercial and I spent over {$300000.00} in constructions, that including enlargement of the structure, the facade, the parking lot, the roof, counter top, a new kitchen to make it a XXXX. 
Upon completion, after exhausting all my personal financing, I still needed to buy equipment, such as stove, ovens, furniture, walk-in freezers etc. I offered the Property as collateral to Ocwen Mortgage Servicing who also did a wrap-around with my Personal Residence and offered me sub-prime financing in the amount of {$200000.00} on or about XXXX. 
The Market crashed and the XXXX did not performed sufficiently to pay the Mortgage. 
XXXX XXXX XXXX, the Investing Bank foreclosed on XXXX XXXX, XXXX and XXXX also an Investor for Ocwen Mortgage Servicing, purchased the Property on XXXX XXXX. 
THE PROPERTY WAS SEIZED AND SEALED- OFF ON XXXX XXXX TO PREVENT MY ACCESS AND I COULD NOT RETRIEVE PERSONAL, AND BUSINESS DOCUMENTATIONS. 
We provided buyers to Ocwen Mortgage Servicing to cure the Mortgage, and successfully negotiated the removal of my Primary Residence from the wrap-around so that I could sell it and cure the default. I paid Ocwen Mortgage Servicing a sum of over {$100000.00} and the property was sold by XXXX for {$170000.00} on XXXX XXXX to XXXX XXXX. 
Now comes Ocwen Mortgage Servicing and provided the Internal Revenue Service with a XXXX for {$200000.00} as a discharged debt in which the Internal Revenue Service is demanding a whopping {$62000.00} that includes {$52000.00} of earned income as a result of the discharge plus interest and penalties. 
I have on numerous occasions requested an historical profile of my payments, but to date Ocwen Loan Servicing have steadfastly refused. NO ONE OF THE PARTIES INVOLVED WILL PROVIDE ME WITH THE FILES I LEFT IN THE STORE SO THAT I CAN PROVE MY CASE WITH THE IRS!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX acct that appears on my credit files at experian and equifax is inaccurate and inconsistent, despite these credit reporting companies claiming they have verified the account as accurate. I have attached my credit reports to this complaint and have highlighted the inaccuracies and inconsistencies. In addition, this account was charged off and reported to the irs as a loss by XXXX XXXX XXXX in which the IRS deems this account as taxable income on my part. Thus i am due a 1099c so i can file taxes on this income which to date i have not received from XXXX XXXX XXXX Income SHALL not be reported to my credit report. Due to experian and equifax negligence to properly investigate a file before it is placed on my report, this income is incorrectly appearing on my credit file. i have ALSO requested per section 623 all the information regarding this account from XXXX XXXX XXXX including an original contract with my wet signature, the original amount of the vehicle, and various other financial details of this account as i would be able to compare with my records and to date, i have not received any correspondence from the company. i requested this information via written mail and by signature on receipt mail of which i have attached proof that it was received on XX/XX/2022. it is beyond the allotted fcra given time that i am to receive a response ; thus this account should have been deleted because the information i requested was not given in the time frame allowed.in addition, this account ended in repossession and by law XXXX XXXX XXXX has the responsibility to provide me with certain documentation about the repossession, auction location, after auction sales bill, the amount the vehicle was sold for and any surplus amount and etc. this is per new jersey state law where the vehicle was repossessed and i NEVER received any of these required documents, hence making this charge off ineligible for collection activity or reporting to my credit files, as a deficiency can not be claimed if these post repossession laws are not followed. This account is an all-around inaccurate account and i request its removal from my files immediately due to neglience on behalf of XXXX equifax and XXXXXXXX XXXX XXXX to follow fcra, truth in lending, new jersey UCC codes and FDCPA regulations rules and laws.
Product: Credit card or prepaid card

Synchrony Bank is charging me interest on late fees on an 18 month same as cash loan. When I accepted this card I was told I had a suggested monthly payment of {$75.00}. However they are billing me as if it is required. I have 18 months to pay this account before any interest or late fees are to be assessed
Product: Mortgage

My mortgage loan was with XXXX XXXX ( act # XXXX ). It was later transferred over to NewRez, although the payments continue to be made to XXXX XXXX. Apparently, XXXX XXXX subservices the loan. 

Sometime after the XXXX statement, there was some kind of change ( Loan continues to be subservised by XXXX, and continues to be under NewRez. However, aside from the monthly mortgage and escrow payment, they charged a {$1200.00} fee. 

I called them multiple times asking about this fee, and all they tell me is that it's a processing fee. I have never heard of anything like this. They just decided to tack on {$1200.00} to my mortgage payment which I have not paid, and has been carried over month to month. 

I have tried looking on the internet to see if anyone has received anything like this, and found nothing. I don't understand how a company can tack on {$1200.00} just because they feel like it. I have never been behind on my payments ( even during XXXX ). I have made all my payments on time. 

PLEASE HELP!
Product: Debt collection

At the beginning of XXXX I received a letter stating that there was a bill that was owed for an address in XXXX Texas under the name of XXXX XXXX from a company that XXXX XXXX took over. I spoke with the company and explain to them that I have not been XXXX XXXX since XXXX and I have never resided at that address that they are claiming I received services at. I filed a police report as I was instructed to do and I provided it to them. That police report number is XXXX. As of XX/XX/XXXX, they proceeded to send the account to collections and that company is Mercantile Adjustment Bureau and included my address that I have lived at since XX/XX/XXXX. I called a second time to let them know that this was not me when they sent me another letter saying that they could not verify my dispute. I have been dealing with this for over a year and it still isnt resolved. It is now reporting on my credit report and they have the wrong person.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report recently and I noticed there were XXXX  inaccuracies. 

I contacted XXXX, XXXX, and XXXX via telephone and by mail to dispute these unauthorized accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 2, states I have a right to privacy regarding financial information. 
According to my credit report, these entries related to these student loan accounts violate my rights to privacy. I would like to draw your attention to the XXXX XXXX XXXX, which mandates the protection of consumer financial information held by financial institutions. The inclusion of inaccurate student loan information on my credit report not only violates privacy rights but also potentially violates the provisions of this XXXX. 
15 USC 1681 section 2, also states a consumer reporting agency can not furnish and account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to open a different dispute with Experian for the same creditor but it is marked as a duplicate dispute. However, I have additional supporting documents that I received from the creditor to further support my dispute and since I have paid the account in full and settled. XXXXXXXX XXXX has acknowledged that they sold my debt and that all payments should be made to XXXXXXXX XXXX. XXXX XXXX offered me a settlement amount of {$980.00} to be paid and the debt would be considered paid in full and resolved. XXXXXXXX XXXX  has to honor that. Experian, XXXX XXXX and XXXX is reporting this debt on my credit report as a revolving balance of {$2400.00}. However this is not a revolving balance, this was a charge off, the balance should be listed as XXXX because it was paid in full. I have attached supporting document to show this.
Product: Checking or savings account

Hi, I have sent in numerous complaints against Navy Federal. I am not satisfied with their responses to the issue at hand being left unresolved. The most recent response from the company regarding the issue is that : A. Navy Federal refuses to investigate the matter further, as being requested.

B. Navy Federal refuses to refund funds lost.

C. Navy Federal refuses to locate the security cameras as requested, and lacks to provide an explanation to why. 

D. Navy Federal refuses to reestablish account.

Navy Federal is refusing to cooperate. What is the reason why? Sounds very sketchy of the company. I will not be calling the security team because for one, I have called them and have not received the help and assistance I need. And two, they refuse to cooperate to resolve the issue on the CFPB platform. Why is that? 

I want this matter addressed to the Security Team Specialist and CC 'd to the president of Navy Federal. I will go above and beyond to make sure this matter does not get ignored. 

There is a specific person needed to locate in the security cameras at the XXXX XXXX, XXXX branch location at the time and date of when the check was placed into the ATM. That footage is to be released to the proper authorities, XXXX XXXX Police Department probation unit, or the DA involved in assisting my case. Why did Navy Federal say they will not release the footage? I need answers, which Navy Federal has failed to do. I have been very specific in details to help the security team in their investigation, which they continue to claim to have unsupported documents and not reinvestigate. This is bad business practices on their end and I will not stop complaining until it gets resolved. 

Questions for Navy Federal : Did your security team ever at least TRY to locate the footage? If not, why? If so, why not release the information?

Why is Navy Federal refusing to cooperate in resolving this matter? 

What is the explanation to why they continue to insist for me to reach out to the security team for questions that can be answered here?

I need letters in writing from Navy Federal explaining all of this so I can send it to the proper authorities as I'm trying to get this case resolved.

I do not, I repeat, DO NOT wish to open a new account with Navy Federal. Please, cooperate regarding this matter. Thank you. The company very well knows my case and have received plenty of documentation to refer back to it. We're not done here. This case is still pending a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Experian credit bureau to dispute inaccurate information on my credit report. The first letter was sent on XX/XX/XXXX, with my photo id, social security number, and proof of address. The most recent letter was sent on XX/XX/XXXX, and the bureau is not responding or updating any of the disputed information. Each time I sent a letter I waited 30 to 45 days before checking my bureau credit report. I do not understand why the credit bureau is refusing to process my request. I know there might be delays at times, and I even tried to give them the benefit of the doubt for that. There is still inaccurate information reporting on my report. I have included a copy of all of the letters I have sent to the credit bureau with this complaint.
Product: Credit reporting or other personal consumer reports

Ive sent in over 10 letters to get these false items removed from my credit report. They have failed to answer me after multiple attempts. Ive also called and was treated disrespectful. Ive requested the following accounts be removed immediately XXXX XXXX XXXX XXXX XXXX Closed Account XXXX  isn't provided Ive sent in proof with each letter, asking you please remove this info.
Product: Credit card

I paid upfront for my XXXX {$4300.00}. My insurance company retroactively paid {$2900.00} XXXX XXXX XXXX, essentially paying for the XXXX twice. Now the doctor 's office is refusing to refund the money, ignoring emails, and dodging calls. I disputed the transactioon with proof of the double payment, and XXXX XXXX won't take my dispute. I can not afford to lose {$2900.00}. Please help.