23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is an addendum to complaint ID XXXX. As I stated previously, this bank will block my access to two of my accounts that they closed. Just an FYI, they decided to close my Lowes account using same bogus reasons even though its been about a year since my last purchase on my card. 
Anyway, I made a {$100.00} payment on my XXXX XXXX XXXX card on XXXX and it stated a balance of {$370.00}, which would make my balance {$270.00}. When I logged in today to pay the balance off, it stated a balance of {$300.00}. Explain to me how my balance went from {$370.00} to {$300.00} with a payment of {$100.00} in three weeks time? My next payment was due the XXXX of XXXX. 
After my payment was made this time I logged out and then decided to log back in to take a photo as proof of what the account said. True to form I was not able to get back into either of the credit card accounts they originally closed. When I logged into the Synchrony Account Manager it took me to the Lowes account log in where, once I logged in it took me to all three accounts and I made the payment. When I logged back in to take photo evidence I could only see the Lowes account balance etc since they closed that account also. 
Can someone explain why my access was denied again? Photos will be provided of what I am saying. When looking at the photos you can see the tab is labeled Synchrony Account Manager, not just Lowes so they can not say I was not logged in correctly.
Product: Credit card

On XX/XX/2023 I was in XXXX and took a pedi cab ( bike driven taxi ). After being dropped off the man told me it would be XXXX pounds. I swiped my card and he rode off. Immediately I see a text from citi bank asking if the charge for {$2500.00} was fraudulent. I immediately hit yes and call citi bank ; they cancel my card and send me a new one. I think this is taken care of. However, the pending charge became a posted charge and so yet again I am calling citi bank. They say it must be turned into a dispute since it is a posted charge. I supply the information ; as I do not have a receipt as it was a man on a bike. 
They have " resolved '' my dispute and said it is my responsibility. I am deeply frustrated with how this was handled as I took immediate action and in no way shape or form thought should I be held liable for {$2500.00}. 
I would like citi bank to protect their customers as they claim they do.
Product: Debt collection

XX/XX/2018 I sent a certified letter signed receipt to XXXX XXXX  asking that they VALIDATE OR REMOVE a collection item from my credit report. I specifically asked for an original copy of a signed copy of the original contract binding me as owning the debt and not a bill. verification and validation is not the same all they sent me was a copy of a bill which doesn't validate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX reported to Experian that I reside at XXXX XXXX XXXX # XXXX XXXX, Ca XXXX when in fact I do not reside at XXXX XXXX XXXX and the company knows that. I submitted a complaint 78 days ago for the company to be removed from my credit report due to violated multiple federal laws and according to my credit report XXXX XXXX reported a false address on my report and refused to be removed when I submitted a complaint on XX/XX/2023. This is a complete violation of my federally protected rights.
Product: Mortgage

LYING TO CONSUMER FORECLOSING WITHOUT NOTIFICATION I WAS TOLD NO FORECLOSURE WAS OCCURRING AS NATIONSTAR WAS INVESTIGATING A FRAUDUKENT LOAN THAT HAD FALSE LOAN APPLICATIION, FALSE ESCROW DISCLOSURE, FALSE LOAN PORIGINATION PACKET AND ESCROW EMBEZZLEMENT WHEN THEY DECIDED TO PRETEND LOAN FRAUD WAS NOT ILLEGAL ... AT THE GUIDANCE OF XXXX XXXX / XXXX XXXX ..THEY ILLEGALLY FORECLOSED ON OUR HOME. WHEN WE GOT THAT REVERSED ... THEY KEPT THE FPOORECLOSURE ATTORNEY FEES ON OUR ACCOUNT AND HAVE REPEATED STOLEN PRONCIPAL WITHOUT CREDIT. COPY OF EMAIL FROM XXXX ... ADMITTING THEY FORECLOSED BEHIND OUR BACKS. 
IN ADDITION ... THEY WERE NOT MAILING MONTHLY STATEMENTS DURING THIS ATTEMPTED HOME THEFT. 

******COPY OF EMAIL # 1***** XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX XXXX, 2016 at XXXX XXXX IN WRITING YOU STATED " ALL FORECLOSURE EFFORTS WOULD BE STOPPED '' AS THE INVESTIGATION CONTINUED. 

TODAY I AM ON THE PHONE AND THEY CAN'T TAKE THE PAYMENT ... BECAUSE IT IS AN ACTIVE FORECLOSURE!!! 

25 MINUTES LATER ... STILL TRYING TO PAY ... NO CUSTOMER SERVICE XXXX XXXX *****COPY OF EMAIL # 2***** XXXX XXXX XXXX To XXXX XXXX Cc : XXXX XXXX XXXX, 2016 at XXXX XXXX There is a foreclosure Code on the account. But the Foreclosure is actually on a hold status. 

XXXX XXXX Customer Relations Manager Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX O : ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX  Account number XXXX Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX  XXXX  Acccount number XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX number XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account NumbeXXXX XXXX Amount {$2600.00}. Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXXt Account Number XXXX Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account number XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX  XXXX Account Number XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX  Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX  XXXX Account Number XXXX. BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX  XXXX XXXX Account Number XXXX Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX Account XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX Account XXXX Balance {$2000.00} Date XXXX XXXX XXXX XXXX  Account XXXX Balance {$1700.00} Date XXXX XXXX Account Number XXXX Balance {$3500.00} DAte XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : [ One Main  ] [ l XXXX : [ One Main  ] [ {$0.00} ] XXXX : [ One Main  ] [ {$9700.00} ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. Several inaccuracies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the verification of a collection account on my credit report. Despite previous verification, I request the DELETION OF THIS ACCOUNT in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), and the Fair Credit Billing Act ( FCBA ) Section 623 ( a ) ( 7 ). 

The collection account in question is XXXX XXXX XXXX, reported by you. I believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. 

Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report as per FCRA, FDCPA, and FCBA guidelines. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.
Product: Credit card

I opened a Capital One account in XXXX. I had this card and paid the payments as scheduled until XXXX at such time I called Capital One and asked the account to be closed and made the final payment with the representative. Moving forward to XX/XX/XXXX, I noticed there was a delinquent account from capital one for the account I closed. I immediately called capital one to ask why this account had not been closed per my request. I proceeded to file a identity fraud report with the FTC and a police report with the XXXX XXXX Police Department. Capital One informed me that I filed the FTC report after I contacted them about the fraud on my credit report. Capital One has yet ( XX/XX/XXXX ) to respond to my request for all documents relating to this account. According to the FCRA XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I made a purchase for XXXX and was debited three times for the same purchase. The first two transactions showed an error that it could not be completed and advised me to try again. The second attempt was the same result. The third attempt was successful and processed. But upon looking at the online statement I discovered that I was charged for the first two unsuccessful  transactions. I immediately sent them a certified letter disputing the charges and also faxed a letter of dispute to them. I waited 10 days to see if a provisional credit would be applied, at which point it was not, so I called and waited the 8 hours on hold to speak with someone. They informed me that they had to process the complaint for me and send out a form for me to fill out. Which is a lie. I did everything I was supposed to do to notify them, even being proactive  and sending in the proof first. So it was 20 days before I received the credit to the account. Seven business days later and the credit was reversed on my account with no notice given and to this day notice has still not been sent to me. Rules set by Regulation E 1005.11 ( d ) were not followed at all. And two months later I still can not get an answer to the investigation. This company needs to be investigated and I do not understand as to why they have not been. There are NUMEROUS accounts that I have found online just like mine, yet they are allowed to do what they want with our money when we are FORCED to use them.
Product: Checking or savings account

Navy Federal Indicated there was suspected fraud of {$35.00} to a family member of mines. I am the party who initiated the XXXX payment back in XX/XX/2020 and just now received a call from Navy Federal that my XXXX  was disabled. 

I have repeatedly tried to resolve with Navy Federal and XXXX but so far have gotten nowhere. 

There is proven messages this family card was stolen and she gave them a break down of what charges she knew were valid including mines. 

Navy Federal or XXXX has tried to assist in this matter. All they keep telling me is there is no Appeals process. 

Please can someone help a consumer because this bank and XXXX is not helping.
Product: Credit reporting or other personal consumer reports

I received a notification on XX/XX/year> that someone had applied for a credit card in my name with XXXX XXXX. I immediately called XXXX and reported it as fraud. I was provided with case number XXXX and told the hard inquiry would be removed from my credit as the request was fraudulent. 

It is now XXXX and the hard inquiry is still on my report. I called XXXX XXXX back on XX/XX/year> and was told that they did everything required on their end to have the fraudulent credit inquiry removed and again provided with case # XXXX. I was told to follow up with Transunion. 

I called Transunion on the same day and they opened an escalated case to reach back out to XXXX to determine what happened. I was told I would hear within XXXX business days a determination. I was provided with case # XXXX by XXXX. 

I called Transunion back on XX/XX/year> as I have not heard anything from Transunion. I was told by the rep I needed to file a CFPB report in order to have the inquiry removed. I was not happy with this as I reported the fraud and XXXX did everything necessary to have the inquiry removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX  remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct. 
NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act.
Product: Mortgage

Company offered trial and permanent modification. Claimed documents missing after the fact. Now practicing Dual Tracking.

Company is Select Portfolio Serving.
Product: Credit reporting or other personal consumer reports

Asked company for credit score and credit report despite paying them monthly with no assistance
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2018, I used ATM machine at XXXX XXXX XXXX, my debit card is from XXXX, the ATM machine is from Fith Third Bank. 

When I withdraw cash, I was given the message that there would be charge for transaction fee, I accepted and continued the transaction of withdrawing. 

However I checked my bank of account next day, I found 4 unrecognized fees, it said " BAL INQ 1 TERMINAL DRIVE FEE ''. Every fee {$2.00}, totally {$10.00} Then I finally knew that I was charged four times just because I checked balance three times and one time failed to withdraw because of withdrawal limit. 

By the way, even on the receipts, there are no anywhere that mentioned there would be this charge for balance inquiry. 

I did not know there would be fees for balance inquiry and even failing to withdraw. This is absolutely misleading consumers and cheating consumers. 

I have the receipts in hand now if you need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to open a Bank account and once they ran the XXXX 3 accounts came up on my account that were listed as NSF ( 2 ) activity or Account Abuse ( 1 ) I wrote to the banks and to XXXX on XX/XX/XXXX to let them know that I had no recollection of owning or signing for these accounts. I received a letter from one of the banks stating that the account was valid but they did not send me proof of signature. I wrote them another letter onXX/XX/XXXX requesting that they send me proof of signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to review an account on my report that has been paid off but is not reflecting on credit report. 

Acct : XXXX XXXX Balance : {$170.00} I have paid off balance in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Approxiamately on XX/XX/, I was in the process of purchasing a car from Carvana. I was still inputting information into their system and during that process they kept asking for income verification which I sent several times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I explained to them that I don't use checks and sent them my bank statements. They said that they were having a problem veriying the information. The car purchase was requiring a {$1800.00} down payment that was supposed to be delivered once I had the final approval of the purchase. These folks decided to pull the money from my account while trying to still verify my income and the agent then told me that it was difficult to verify but they took the {$1800.00} from my XXXX XXXX XXXX account without having approved the transaction. It was so stressful that when my phone alerted me that they had taken the funds without me getting the car. It made me upset and told them to cancel the transaction the same day. I asked them why they even took the money before I was given the final approval and I got no response so they said they would cancel the transaction and ensure that I got my money by Monday or Tuesday. That never happened. I am filing this complaint to ask that they not be allowed to take money from anyones account without a confirmed approval of the loan for their vehicles. It is an imconvience for anyone once they take it out and then have to return the funds even when there is no deal. I think they shoudl ensure that the purchaser has a written and verified confirmation of the acceptance of the terms and fudning of the transaction.
Product: Checking or savings account

Navy Federal charged me XXXX overdraft fee for a XXXX charge and I had money in my savings that would have covered it at the time. They took money out of my savings for the other charges, but elected not to do it on this charge. I would like that money return. I do not have overdraft protection. If the money is not available the charge should be declined.
Product: Checking or savings account

Hello. XX/XX/year> I started a business and opened a business checking account with Bank of America. 
I wasn't aware a minimum amount was needed to keep from being charged the monthly fees It was Approximately {$XXXX} per month and went on for Approximately XXXX  months I went to bank and appealed decision They denied I have been a bank of America XXXX for XXXX  years
Product: Debt collection

mrs associates, ph ( XXXX ) XXXX continues calling my number which is ( XXXX ) XXXX in an attempt to contact a family member. These are unwanted phone calls, and I hang up before the recording can finish. I am on the " do not call list '' and for privacy have an unlisted number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SCHOOLSFIRST ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.