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

Capital One Account closed XX/XX/XXXX balance {$260000.00} they say was sent to me by cashiers check via regular mail. no tracking... 

XX/XX/XXXX still no money, No check, no tracking number. Customer service no help. They say " another Team has it '' I'm out {$260000.00}, Unable to pay bills, They can't tell me when I'm going to get it.
Product: Checking or savings account

Initial error is mine. Neighbor A asked me to pass money to Neighbor B using XXXX service. The effort failed. Neighboe A asks to XXXX me {$1500.00}. XXXX XXXX  publishes that they accept XXXX ( but that is not true ). I appove and recv {$1500.00} on XXXX and can not access it. I have a dormant Ally Bank account and send the money there. Problem is- we actually have two Ally accounts but one is forgotten entirely. 

I am now in control of the {$1500.00}. I go to XXXX and send the money to Neighbor B, funded by the forgotten Ally account. The available balance is XXXX, but Neighbor B recvs the {$1500.00}. It looks like this task is behind me. It is not. 

XXXX sent the {$1500.00} in violation the agreement between XXXX and me. Their incompetence and/or criminal negligence has no direct bearing here other than the fact that I now owe XXXX {$1500.00}. 

At this exact moment, I do not recall how the {$1500.00} debit in my wife 's account was created. It is part of this. The situation is- we also have a {$1500.00} debit to Ally. 

Somehow, the act of passing {$1500.00} from my right hand to my left hand cost me {$1500.00}. 

Ally Bank refuses to look at two accounts concurrently. Ally Bank does not provide a mechanism to help resolve this matter. Instead, Ally Bank is sending threatening letters to my wife. Ally Bank treats us like criminals on the phone. 

I know the whole " this call is recorded '' routine is just so much XXXX, but listen to the calls I made. I am begging Ally to assist and there is nothing in the cashier 's script that results in an actual thought process.
Product: Payday loan, title loan, or personal loan

I fell on hard times due to the economys up and down drifts and world finance closed my account. Which is a charge off on my credit report. I would like to work out a payment plan and to have them re open it or atleast not have it as a charge off so I can start paying it down in increments
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple attempts to remedy my issue, the company Comenity Capital Bank operating as Comenity , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone XXXX has not reported my account information accurately. They have given multiple reasons for this negligence. This lack of reporting accurate balance information has caused an adverse action to my personal well being as I'm in the process of purchasing a home. I have filed a complaint with the FL department of agriculture and consumer services. 
Comenity advised me I would receive a satisfaction of balance message in my inbox from Comenity Rewards but I instead received an error message. Attached you will see the failure to produce any information from this company.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX of XXXX, I entered into a consumer credit contract with One Main Financial. 
XXXX XXXX XXXX  Finance charge {$3500.00} Amount Financed XXXX TOP : XXXX {$190.00} due monthly At the time I was pregnant and unable to work as I gave birth to my son XX/XX/XXXX. I was told before obtaining the loan if I signed for XXXX insurance it would cover my monthly payments until I started back working. This was not done and I was later told after a month my coverage was not eligible. As of XX/XX/XXXX I am RESCINDING XXXX  and XXXX insurance as stated on my consumer credit contract. 


I went into default and the contract charged off XX/XX/XXXX. 

Charge off- WRITE OFF of a debit and termination of servicing activity without release of liability. A charge off is a decision by an agency to remove debt from agency receivables, however, future payments XXXX be received. ( XXXX ) In an effort to correct my default, I submitted a XXXX to the IRS which was accepted XX/XX/XXXX and mailed XX/XX/XXXX. One Mains  correspondence is attached in which they alleged the instrument is not acceptable and even went as far to threaten to invoke any of the remedies specified in my loan agreement. This is a violation of 12CFR Part 1006.18 False, deceptive, or misleading representations or means. One Main has no security interest in my contract because the consumer credit contract was unsecured. Subsection 2a : A debt collector must not falsely represent ( ii ) Any services rendered or compensation that may be lawfully received by any debt collector for the collection of a debt.

UCC 3-603b- If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
Product: Student loan

XXXX XXXX XXXX promised me job placement upon graduating when in actuality no employer would hire me after finding out their deceptive trade practices and XXXX XXXX lied about their job placement statistics and upon signing up said that my loan was a grant instead of explaining that it was a loan
Product: Credit reporting or other personal consumer reports

There is a fraudulent account from XXXX appliances that is fraudulent the credit bureaus are not investigating this account and deleting it the account is for {$1400.00} I also have child support showing on my credit report that is in forbearance that says I have a missed payment which is incorrect this account is for XXXX I have XXXX inquiries that are also fraudulent please delete them also XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please delete these accounts and inquiries
Product: Payday loan, title loan, or personal loan

I was getting a roof installed through a company called XXXX XXXX. The sales girl, without my permission, esigned loan documents approving XXXX loans for {$36000.00}. The loan was extremely high interest which I would never have approved since I have excellent credit and would have just went through my local credit union. She told my that she would get me the loan information to sign before I had the roof installed. I never received any loan documents to sign because she signed them for me after she left the house. I had told her that I did not want a high interest loan, and that I would just get financed through my credit union. She wanted the sale so bad, she decided she'd sign the documents for me. I also put {$5000.00} down and they were supposed to knock off an additional {$500.00} as a promotion. Neither the down payment or promotion were ever deleted from the final loans. And I say loans, because not only did she esign documents for XXXX company but for XXXX. Now I am stuck with XXXX payments and a high interest loan, even though I never signed any of the loan documents. The loan documents were signed after she left my house, and they even have the time stamp on them from being signed online. The final payment was supposed to be for less than {$300.00} a month through XXXX loan company at a low interest rate, not through XXXX loan companies at high interest rates. I told both companies that I never signed the documents approving these loans. I have witnesses that were then when she was having us sign stuff and not once did we sign any loan papers. We have tried getting this resolved but Service Finance Company LLC keeps hanging up on me and won't assist me in resolving this matter. The other company has filed a fraud investigation so we are yet to see what will come of that. XXXX XXXX XXXX workers also stole a camera and an antenna that was on my roof. They damaged an expensive swamp cooler and never reimbursed me for any of that.
Product: Debt collection

{$430.00} balance i have paid this bill way over a year ago collection company that have it is AFNI Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Original creditor XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 Date Opened - XX/XX/XXXX Account Name : XXXX # XXXX Date Opened - XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Account Name : XXXX XXXX  # XXXX Date Opened - XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened - XX/XX/XXXX Account Name : XXXX # XXXX Date Opened - XX/XX/XXXX XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a bankruptcy, more than 7 years ago and it continues to appear in all my credit reports, XXXX XXXX and Experian. 
Supposedly the punishment for a Bankruptcy is that it goes out reported for 7 years, and those seven years have already passed, and all the credit bureaus continue to report it
Product: Credit reporting or other personal consumer reports

Back in XXXX, I submitted a claim regarding my Santander Consumer USA Auto loan. We are all aware of Santanders violation of FCRA -this loaned was opened in XX/XX/XXXX. Inaccurate payment statuses appear on my credit reports. XXXX XXXX XXXX reflects XXXX past due but the account was paid off. I've expressed to Santander that from me submitting a claim to the CFPB in XXXX that my payment history prior to that reflects not reported. During their lawsuit my account was temporarily removed from my credit report. They're inconsistencies in the XX/XX/XXXX day payments, last activity, closed date, etc. These inconsistencies are negatively affecting my XXXX XXXX. I am requesting that this account be removed from all credit reports.
Product: Mortgage

Goodleap contacted us in XXXX 2022 about a possible refinance of our current home mortgage. We were working with a representative named XXXX XXXX We went through the mortgage process and submitted all the paperwork. We ran into problems when it came time for the appraisal. The appraiser called us and said that Goodleap was asking him to remove items from the appraisal and he felt it was improper from Goodleap to ask him to do that without consulting us. We contacted the representative we were working with at the time, XXXX XXXX, and she assured us that everything was ok and that she would clarify the situation for the appraiser. The appraisal came in ( and he made a note that he removed items at the request of the loan company ) and then my husband received a document from XXXXXXXX XXXXXXXX through XXXX. It was a rate lock-in form and my husband signed his part of it. When I began reviewing the document I noticed that the loan terms had all been changed ; the amount was lower and we were no longer offered the cash-out option so I did not sign the document. Goodleap did not call us to explain any of the changes before sending the document. I feel that this was intentionally deceptive to lock us into a loan that we did not want. This issue, coupled with the appraisal issues, had caused me to submit this complaint.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX, and also a survivor of XXXX XXXX. The adverse information listed below, which may appear ( or currently appears ) on my Consumer Credit Report or Background Check, is the result of XXXX. 

The credit account below are Adverse Information Resulting from Trafficking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Pursuant to 605C the Fair Credit Reporting Act, I respectfully request fully request that you Block the reporting of the above adverse information ( and any other information related thereto within ( 4 ) business days ( see 12 CFR Statue 1022.142 ( f ). 
Sincerely XXXX XXXX
Product: Debt collection

There has been numerous disputes over the past four years that all result in the same outcome. These collections damaging my consumer report to such a detrement I am unable to obtain any kind of funding from any lender to provide my children a house or a future. Even though the FCC, the CCC and the FCRA all enforce the law stating that if a company has been reimbursed by an IRS write off ( charge off ) that it can not then legally report a balance due or still owed by the consumer. As well as if any item reported to a consumer report has a negative impact on the consumer in the way of not being able to obtain other funding because of what has been reported has compromised the consumer drastically it shall be removed in order to meet standard living conditions, they still remain on my report to the detriment of my XXXX XXXX children and I. These unaccountable companys should just provide people with a XXXX  XXXX and tell XXXX XXXX XXXX XXXX XXXX XXXX instead of internationally handicapping someones ability to provide a stable environment for thier already XXXX XXXX children. You all should be ashamed of your actions and yourselfs, it should have never taken 4 years to remove any of these items from my consumer report because they were never reported correctly in the first place but that didnt matter did it? What mattered was the money you made keeping that fraudulent XXXX on my report for over 7 years, not even the state gives XXXX about there own laws. Is it because im a XXXX  or because im XXXX or is it because im a single woman trying to survive with XXXX XXXX  children by myself? Its got to be one of the two XXXX  or XXXX because anyone else who attempts the same action has no problem removing incorrect items from thier report, they have no problem obtaining a loan to purchase a house because their credit scores arent being effected by old incorrect outdated wrong information or gatekeeping XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX  on XXXX XXXX, 2023 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ). This is a serious breach of my privacy rights.
Product: Debt collection

SYNCB/ XXXX XXXX This account is very inaccurate this creditor sent me information for another person. Ive attached the letter they sent to me of someone else 's information.
Product: Credit card or prepaid card

My credit card was used to purchase many items, including cash without my permission or knowledge XX/XX/XXXX {$57.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$14.00} XXXX {$54.00} XXXX XXXX  XXXX XXXX XXXX {$54.00} XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$31.00}, {$100.00}, {$72.00} XXXX  {$10.00} XXXX XXXX  XX/XX/XXXX {$51.00} XXXX {$10.00} XX/XX/XXXX {$100.00} XXXX  {$10.00} XXXX XX/XX/XXXX {$4.00} XX/XX/XXXX {$12.00} XXXX {$2.00}
Product: Credit card

I am writing to address a concern regarding my account and recent payment issues. Due to health challenges, I have fallen behind on payments, but I was approved for a payment plan and have been doing my best to stay on track. Unfortunately, last year in XXXX I missed a payment because the payment information on file was outdated. Last year, I noticed that my birthday was incorrect in the system. I sent the necessary documents to correct this, and I was told by an agent that the issue was resolved. However, last year XXXX, I discovered that my birthday is still listed incorrectly, and this has caused a problem with verifying my account to update my payment information. When I attempted to resolve this, I was informed that because of the incorrect birthdate, I couldn't be verified over the phone and was unable to update my payment method. I was recently advised by your customer service over the phone to reach out to a chat agent regarding an ongoing issue. When I initially signed up for the payment plan, I was told that auto-pay would be scheduled. However, in XXXX of last year, I was informed that I would need to make payments manually instead. Additionally, Ive noticed that Goldman Sachs is reporting a late payment on my credit report, and the birthdate they have listed is incorrect. I have documentation to support both the payment issue and the incorrect birthdate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
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 charges & credits. This issue aligns with the 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 reporting or other personal consumer reports

Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed withing 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.
Product: Debt collection

Westlake Financial previously had my car impounded previously. Your agency recovered my vehicle and made Westlake drop unfounded charges on my account. Once I got my vehicle back Westlake changed my due date till the XXXX of each moth for car payment. I set up automatic bank pay for this company. Every single month I get a late fee notice after my payment has been made on time. I can send a bank statement showing proof My credit is ruined with this company and I want it reversed and for them to stop harassing late letters. Most letters I receive are even after they have had that months payment week ahead of due date.
Product: Money transfer, virtual currency, or money service

I want to pay my overdraft with this
Product: Credit reporting, credit repair services, or other personal consumer reports

I t is 2017 and I have repeatedly asked all   XXXX   credit bureaus to remove old accounts and ones that have been paid and  cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.
Product: Debt collection

XX/XX/2022 apparently I owe a debt to a place or company I never even heard of have no knowledge of never received any papers or anything saying I was in debt it just appeared in my credit score I'm strongly thinking it's identity theft honestly because I have no knowledge of ever hearing about Awa I don't even know what that is and {$480.00} I owe you what about what it doesn't give me no information it just says the name of the company and that I supposedly have {$480.00} of debt when I never even heard of that company
Product: Debt collection

Debt was paid in XX/XX/XXXX for the full amount of {$360.00} for services rendered in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. I have received notice to verify account has been settled in full dated XX/XX/XXXX and that this information would be forwarded to all three Credit Bureaus to delete this from my credit report. This account still shows open and has not been reported to one of the three bureaus ( XXXX  ). I have contacted the company and they stated they submitted electronic request to all credit bureaus and I needed to contact them there is nothing else for them to do this happens all the time and it is out of their control. I contacted the above mentioned credit bureau ( XXXX  ) and they stated they have not received any electronic communication from the collection agency and account still shows active and open, the company will have to resend over the request before account can be deleted from my credit report they can not just delete without receiving communication from collection agency. I contacted the company twice in XX/XX/XXXX and again in XX/XX/XXXX and each time they keep giving me the run around saying there is nothing they can do another department handles submitting the request to the credit bureau 's, they do not accept phone calls from customers and they were not able to resend the information since it was already sent the first time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hospitalized in XX/XX/2020 with Covid19 and was unaware that I became late on my XXXX XXXX account. 
When they contacted me to inform me I was late I immediately paid them. 
I requested that they remove the late payment from my credit report because I was a victim of Covid19, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccuracies regarding credit inquiries with Experian. My first issue is the listing of an address that does not belong to me, yet the inquiries are coming through under this address. I have submitted my driver 's license and copies of utility bills showing my correct address ; however, Experian keeps stating that the inquiries have been verified. 

Per my request, I also asked that they submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Experian that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistently disputing including the new listing of this unknown address. 

Again, I am requesting that the creditor and Experian provide documentation baring my signature for consent. 

Please see attached.