23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) 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 delete 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card

My two capital one credit were closed. I have never paid my bill late or missed a payment. In XXXX I made two payments that were reversed because my bank account was had been compromised. I made the payments from my new debit card this month. Capital one has closed my account without notifying me or letting me know anything. I was not aware that my account had be compromised until I received numerous return check fees. My bank account was compromised. I can send proof of this ....
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date.

There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. So, this credit balance is in excess of {$1.00} And the law clearly states that the treatment of any credit violence is supposed to be refunded upon the request of the consumer so I would also like to request my refund.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Checking or savings account

Feedback on Truist XXXX XXXX XXXX XXXX XXXX XXXX I am writing to express my concern and disappointment regarding my recent experience with my Truist Safe Deposit Box payment. I was recently informed that my payment was due, and as a result, a locker drill was scheduled. However, I did not receive any phone call, message, email, or mail regarding the payment due. 

Additionally, when I visited the bank in 2024, I was not informed about any pending payments or issues related to my XXXX XXXX XXXX. I had assumed that my auto-pay setup was functioning properly, and it is deeply concerning that no prior notice was provided before proceeding with such a drastic step. 

I find this service highly unsatisfactory and am still in shock at how a bank could proceed with a locker drill without informing the customer. I would appreciate an immediate clarification on : Why I was not notified in any way about the due payment. 
What corrective actions Truist Bank will take to prevent such incidents in the future. 

Please treat this matter with urgency and provide a resolution at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was in violation of the FCRA and did not have permissible permission to access my credit in XXXX. XXXX  XXXX XXXX XXXX has denied the subsequent fraudulent loan after credit was pulled but can not deny Permissible Permission. It was all fraudulent and XXXX XXXX XXXX XXXX is a fraudulent company! XXXX XXXXXXXX XXXX XXXX has denied over 100 requests for the valid permissible permission by labeling all requests and complaints as duplicates as again today XX/XX/XXXX. I will stop the complaints when I receive valid Permissible Permission used for the loan.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

Credit karma misleading misleading me to think I was pre-approved to credit card loans.
Product: Debt collection

Capitalaccounts LLC has called me way past the limits of harassment. On Friday XXXX XXXX XXXX  I received 5 calls. Every week day leading up to that its was XXXX  I have been trying to talk to these people but it is exhausting. I am in a marriage separation and going through some heavy life changes as well as some XXXX XXXX issues. This has caused my level of stress to effect my health. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fast forward a year or more, I get called by Capital accounts. My wife said our insurance said it was a coding error and medical office took acre of it. Calls from Capital continue and get more frequent as time passes. Wife, insurance, and medical office are not helping at all. I don't know whats right, I want to take care of dept if I owe but am very confused. The constant harassment by Capital has caused me to not sleep and have XXXX XXXX the past month. They have threaten that my credit score which is very good will be " destroyed '' and they try to close me on a payment plan and all met research says not to go there and to get help. This is my first attempt to get help. Thanks for your time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as a highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts I marked as inaccurate. 
XXXX XXXX XXXX  Original creditor : XXXX Balance : {$4400.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX  Balance XXXX {$420.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}
Product: Mortgage

I received a letter from the XXXX stating that my mortgage company notified them that I had fallen behind on my homeland payments. I immediately contacted Citizens Bank NA and informed them that I had confirmation emails for each payment and that I was not behind. After looking into it, the lady told me that the XXXX and XXXX payments were " on hold '' and would be applied to my mortgage " in a few days. '' I asked why the payments were on hold, but she did not know. 

I sent the XXXX  an email with the above information. My XXXX entitlement is in jeopardy. 

I received a confirmation of a payment on XX/XX/year>, in the amount of {$10000.00}. I did not make that payment. My normal mortgage payment is {$2400.00}. Again, I called Citizens Bank to ask about that payment. The man who answered could not explain the reason for that confirmation. 

No one at Citizens Bank NA seems to know what is going on, but it is having a bad affect on my XXXX benefits and my financial history in general.
Product: Credit card

I became very ill in XXXX of XXXX and I missed multiple days of work. I was not able to maintain my bills and I had to take off work for XXXX months after that. I am a mother of XXXX children and it was a very difficult time for me trying to maintain my household so I fell behind on my credit card payments and a lot more of my bills. I was not able to provide a substantial income for my household and my illness affected my livelihood. I always been a consistent payer when it comes to my payments and I also have manage to get back on track with no late payments since the beginning of this year. I did reach out to Self on XX/XX/XXXX to try to get this issue resolve and they provided no assistance. I would like to continue with a positive payment history without those few late payments hindering me from doing so.
Product: Checking or savings account

I called Wells Fargo to ask them to close an estate account and transfer the funds to either my checking or savings. I was told no problem. Then they hit a snag and i was put on hold. They said due to the size of the amount $ XXXX they would not be able to transfer and that a cashiers check would have to be issued, I told them that was not an option as i needed the funds available to me now. I then asked since I was told the limit was XXXX to transfer the amount of {$9900.00} and the cut the rest in a cashiers check. I was told that since the bank account was closed there was nothing they can do. But wait? I never confirmed the bank account to be closed. I asked for it to be closed and my funds to be transferred. I went through 3 " escalation '' departments to receive the same answer from everyone. I can not have my funds today, it will take 2 business days. ( not what i asked for ). I asked for the account to be uncancelled, and was told that was also not possible. I asked for them to issue the money and remove it from my account as a payback, I was told that was not an option. I asked if any late fees or hardships are to result in my not having my funds today, what is the penalty to the bank? I was told nothing. In a super sweet customer service voice with tons of apologies I was told a complaint was submitted and it would take 1-2 days at the earliest to hear back from them. I simply asked for a resolution to an issue they created and they had none. I never confirmed for my account to be closed, I never was read disclosures, and I was unfairly treated. Wells Fargo provides zero resolutions to issues including and most importantly ones they create. I would love for them to be penalized to the highest extent of your service.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have reached out to experience Credit informing them that my identity was stolen and someone open up a fraud credit card with XXXX and target I informed them about XXXX  XXXX and XXXX XXXX. The same person stole my XXXX  XXXX card and XXXX XXXXXXXX XXXX XXXX  mixed my card completely out, and they are reporting into experience after I have spoken with these company regarding these fraudulent charges and experience are still reporting fraudulent and accurate charges to my credit report which need to be removed off because these account dont belong to me and I didnt authorize for no one to use my credit card
Product: Credit reporting

XXXX XXXX is reporting to the bureaus when I have a letter of deletion. XXXX is stating they sent proper documentation and I have also myself and so did A+ management, a company I hired to assist in my credit repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 informationisinaccurate.
Product: Checking or savings account

Hi CFPB, I opened checking and savings accounts with CitiBank in XX/XX/2019 with the premise of receiving a {$400.00} bonus if I maintain {$15000.00} for 60 days, and an additional {$100.00} if I receive a direct deposit during those 60 days. I have completed both tasks but have yet to receive my combined {$500.00} bonus, despite reaching out to CitiBank who let me know that this would be deposited " soon ''. I am not pleased with the bank offering this promotion but not honoring the terms of the promotion, could you please look into this and assist if possible? Thank you very much for your time.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a U.S. postal Money order. Which Cleary states at the bottom that it is a negotiable instrument which I brought and paid for the right to negotiate it. Money Order XXXX and XXXX was made with the proper clauses and provisions based on banking law in the amount of XXXX and XXXX in accordance with HJR-192 public law 72-10, UCC 3603 ( b ) UCC 3-311 and public law for negotiable instruments to Best Egg on XXXX. They accepted my instrument but did not credit my account correctly I did call and spoke with recording will be attached and they refused to stand in honor of the law by applying the proper payment even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit fir them. 
I am filing this complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing ab illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Product: Credit card or prepaid card

On XX/XX/2018, I called Capital One card services about my credit cards that I have with them. The card that ends in XXXX has a current balance of {$2700.00}. I paid {$100.00} from my bank Customers and it went through. I had {$14.00} of available credit. I now don't have any available credit because the interest rate is extremely high!! My second card with Capital One ends in XXXX and has a balance of {$2900.00}. I paid {$240.00} from the same account and I am supposed to have {$35.00} available on my account Capital One has not released the funds stating that they need to call my bank to see if the funds would clear. I told them that the same account that paid the {$100.00} and cleared is the same account that the {$240.00} payment came from. They will not release my funds and I am certain that when they do they are going to put the interest right after the available funds and my card is going to be over the limit and I will not get a chance to use the {$35.00} that is available!!! 

The interest rate on both cards are too high!! I have asked Capital One to lower the interest rate!! I have been a customer for years and I am tired the rude representatives XXXX ( supervisor ) whose ID # is XXXX and the Fraud Supervisor who would not give me her name or ID #. This has been an ongoing battle with them about my accounts. They want to call my bank to verify the funds I told them no the money is good!!!
Product: Mortgage

Up until recently I was in the covid forbearance program. I requested my servicer, United Wholesale Mortgage ( UWM ), to evaluate me for the streamlined flex modification since I can not afford my pre-covid monthly payment due to reduction in income. The flex modification is one of the option available for those impacted by covid-19 as per my investor, XXXX XXXX, guidelines. I have been very clear in all my communication with UWM that I need the loan modification and NOT the deferment. UWM assured me the modification is available and that they have begun the process. 

In my first attempt at getting approved for the loan mod, UWM insisted that I needed to fill out a borrowers response package ( BRP ). I informed that according to the covid-19 hardship reference guide provided by XXXX XXXX this should be a streamline process which does not requires a BRP to be accepted ( XXXX XXXX XXXX ). They agreed and said they will get started on it. 
Then on XX/XX/XXXX I get an email stating that they have entered me into the deferment program claiming that I requested it. 

I have had several conversations with UWM since they accepted me into the wrong program and each time they say they will resolve the situation. Then when I follow up, I find that the previous employee didnt do what they said and that the deferment is still going through. 

At this point, I have been lied to, hung up on by employees, and said I would be getting calls from managers with no follow through. These past few months have been absolutely frustrating and dreadful working with UWM. They have provided no single point of contact to help resolve this ongoing problem. I dont know what else to do at this point besides file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i requested my bankruptcy to be removed from lexis Nexis they responded saying a decision would be made in 30 days it is now XX/XX/2020 60 days has passed with no response back i also disputed with, XXXX XXXX XXXX XXXX XXXX  to remove that information also they're response was the information will stay on credit report because Bankruptcy court had verified the information i attached an email i received from the United States Bankruptcy court here in XXXX, Tn that stated they don't verify information to any source i have provided proof for credit reporting bureaus to have this information removed and neither one has done it.
Product: Mortgage

I have been attempting to get my loan modified since XX/XX/XXXX without prevail. I had a prior modification which I defaulted on due to a job change. I informed Nationstar that I would make the back payments to catch up and requested the amount due. Within 3 days I called back to make the payment and they informed me at that point that I owed an additional {$2000.00} because they added attorney fees. I asked how they added attorney fees within 2 days of my request for the payment amount. They then refused to take my payment. I requested proof that the attorney had been paid {$2000.00} in that time frame mailed to me. I have not received any paper work in regard to that request. I applied for a modification shortly after that to try to catch the payments up. I have been declined for numerous reasons yet I have not received any sort of denial paperwork in the mail. I made a complaint with Nationstar and a rep contacted me. I informed him of some of the issues and basically informed me that I have no option beside foreclosure. I asked why and he stated my modification failed for numerour reasons. I requested all prior modification denials and copies of the prior modifications mailed or emailed to me. To date I still have not received copies of everything I have requested. I received documentation that the house will be in foreclosure so I started looking into deed in lieu of foreclosure and also had put my home up for sale for about 8 moths and the home was only viewed twice. The mortgage on the property is higher than when I bought it in XX/XX/XXXX and the property value is about $ XXXX making it impossible to sell the home. I would like copies of all the paper work including the first modification, second modification ( did n't know I even had a first XXXX ) and copies of every denial. I also want proof of the inspections that they have charges fees for monthly on the home and the attorney 's paid receipt showing the {$2000.00} that they demanded from me to be able to take my payment. I am suppose to have one contact and have several as well. One of they payments that were late was due to the XXXX not being able to make the payment when Nationstar acquired the loan as well. This has been an on going battle since they have acquired my mortgage, but further review of the paperwork from the courts show that XXXX XXXX is the person who holds the mortgage.