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

My wife has been incapacitated by a ruptured brain aneurysm and I have paid off her Capital One credit cards, of which she had three. As I am now her guardian per a recent court decision, I have sent all necessary paperwork to Capital One. 

They continue to refuse to close the accounts on the grounds that they do not have her signature. My wife is unable to sign any paperwork. This is a change from Capital Ones original position that they needed the court paperwork listing me as guardian, which I provided. 

They continue to charge monthly rates on cards I have spent four months trying to cancel, I need this resolved immediately.
Product: Credit reporting or other personal consumer reports

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, Equifax, and XXXX. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Checking or savings account

Navy federal credit union is my bank. I was defrauded approximately {$22000.00}. It started with XXXX XXXX and was moved to XXXX  then back to Navy Federal and back to XXXX The dates are from XX/XX/2022 through XX/XX/2022. I contacted the Pennsylvania state police and file a report. I also filled out and filed a identitytheft.gov report. XXXX XXXX XXXX also was involved although XXXX XXXX  and XXXX XXXX XXXX both approved my claim. Navy federal credit union denied my claim then I put in for an appeal and was denied. I later found out that XXXX XXXX was also involved during this time. The amounts are {$3400.00} and {$3800.00}. I saw the claim for that and was denied. After I was given a provisional credit for the funds that were taken from me I remove them from navy federal credit union and put them back in the original account that they were taken from which was XXXX bank now Navy Federal credit union has my account - {$23000.00}. I believe my phone was hacked and I reported it to XXXX and sent my phone in to get a new one.
Product: Mortgage

I have applied for a hardship with cardinal financial for a total of 6 months. I applied to a program called Texas Homeowner Assistance to pay my past due payment. Cardinal financial has made it almost impossible to receive funds from this program. They have not called the program back after telling me several times they would. I submitted all modification department and they ensured me they were waiting on the HAf program to call them. When I called the HAF program to check the status they stated that they are waiting on my lender to contact them. I applied to this program on XX/XX/2023. 

Just recently cardinal financial applied a second mortgage onto my account for the past due balance that the HAF program is paying for me and will not call the HAF program back to ensure that the past due amount is paid in full. Instead that increased my payment and added the balance to my account as a second mortgage.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, 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 Equifax and XXXX XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax and XXXX XXXX XXXX violates federal law and my rights as a consumer. 
I want the CFPB to publish Equifax andhas failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed + I want the CFPB to publish Equifax and XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax and XXXX XXXX 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 Equifax or XXXX XXXX has neither corrected nor removed + + i want Equifax and XXXX XXXX to remove all collections accounts on my credit profile and update all my late payments on credit profile to reflect as current and paid as agree, in addition, my only address I use is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my only address I use on my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX Equifax and XXXX has been reporting inaccurate information which is a violation of 15 U.S. CODE 1681
Product: Mortgage

Recently, we sold our home for a great profit - in hopes of purchasing a new property. Upon our application for a new mortgage it was discovered that Freedom Mortgage had given us XXXX late payment marks on our credit score, this made us ineligible for any mortgage loan program. After researching the issue, we 've discovered that Freedom adjusted our escrow payment, and did not appropriately notify us of those changes - as a result the consistent payment we had been making from our bank account was slightly less money than the new payment amount. We have never missed a monthly payment, once we realized what had happened we had adjusted our payment up to the correct amount, and again recently the escrow amount dropped, and we were not notified - so we spent a few months paying slightly more than we needed to. Freedom Mortgage is ruining our ability as a family to make large purchases, and handicapping our credit for the future.
Product: Vehicle loan or lease

On XX/XX/2018 I initiated a chat session within XXXX after logging into my account. I explained that there was a property tax discrepancy on the latest tax bill XXXX sent me to pay on XX/XX/2018 and {$120.00} was not my responsibility. There were two cars on the bill based on what my local tax office confirmed. After providing the detail the service rep instructed me to send a fax with all the details to the XXXX tax team that included an email from my tax office to XXXX confirming there were two cars on one bill, copy of the tax bill sent to XXXX, Tax office print outs showing VIN numbers of the two cars on the  same tax bill along with the amounts owed for each, copy of my monthly XXXX  bill showing total amount owed had the {$120.00} included. A fax was sent that day and I followed up on XX/XX/2018 via phone and spoke to XXXX who informed me that all requests can not be faxed but have to be emailed. On XX/XX/18 I emailed the XXXX XXXX team my documentation which included the fax cover letter explaining the property tax discrepancy and supporting documentation. Since XX/XX/XXXX I called customer service the following dates to get an update : XX/XX/XXXX : Spoke with XXXX ( no update ) XX/XX/18 : Spoke with XXXX ( no update and opened an official complaint # XXXX ) XX/XX/18 : Spoke with XXXX ( no updae ) XX/XX/18 : Spoke with XXXX ( stated no one has even looked at my complaint ) XX/XX/18 : Spoke with XXXX ( no update ) and stated that I need resolution since my lease is up the end of XXXX. 
XX/XX/18 : Spoke with XXXX from office of Consumer Practices ( he emailed tax office and said to follow up in a couple days ) XX/XX/18 : Spoke to XXXX form office of Consumer Practices and had no update. 

The payoff to purchase my car had an extra {$120.00} added to the payoff which is owed to me. I do not feel it is acceptable to have an escalated issue unresolved for 4 months when the documentation provided clearly explained the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a cobuyer to an auto loan in XX/XX/XXXX and have since divorced the buyer as of XX/XX/XXXX. I submitted a dispute to American Credit Acceptance directly, via XXXX, via XXXX, and the XXXX 1 ) requesting to delete the debt from my credit reporting for unfair collection practices for a cobuyer-no collection attempts made to my phone number, email address or home address 2 )  requesting to cease further collection proceeding-daily post default interest after charge off/closed account, a reposession in XX/XX/XXXX and auction resale of the vehicle in XX/XX/XXXX ; high interest is still accruing about $ 11/day presently 3 ) requesting to delete the debt and cease future default interest due to my divorce decree specifying the buyer is solely responsible for remaining debt and payoff to American Credit Acceptance *spousal maintenance. All disputes mentioned were resolved with the reason of accurate reporting by the creditor and specifying the creditor does not accept XXXX decrees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my XXXX the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Product: Mortgage

XXXX XXXX, 2015 I paid XXXX XXXX XXXX {$6800.00} to reinstate my mortgage included was attorney fees of almost {$1600.00} XXXX XXXX, 2015 I received a notice that Selene was to be my new mortgage service provider. 
XXXX Selene sends a statement saying I owe legal and attorney fees about {$1600.00} Selene showed a statement from XXXX XXXX XXXX stating {$5100.00} was paid to reinstate my account. No one knows where my other {$1600.00} went to.? I filed a complaint to the NC Commissioner of Banks last year. I faxed and copied/mailed all my paperwork from XXXX XXXX XXXX to Selene. They requested info themselves and were given different info. I PAID that {$1600.00} again to Selene at my closing XXXX. How could I reinstate my loan without paying legal fees??? I truly believe all the paid postings and passing me over to Selene the same time I reinstated my loan, that the mail, payments, etc crossed in the mail. Thing is XXXX XXXX XXXX should have fixed this with Selene. 
Please help me. XXXX XXXX XXXX screwed me over the last 6 yrs or so in a greedy loan modification. Thousands extra $ $ spent. That is another story I will never recoup from. I have a huge stack a paperwork but in only a few pages prove I paid the legal fees with XXXX XXXX XXXX and that Selene double billed me. I am trying to get my money back from Selene, with interest if possible ... .. This bank has been nothing but rude and ugly with me. A few weeks ago, XXXX told me the legal team that handled the reinstatement. When I contacted them, they told me they had no track of that and my name and address. I am not able to upload Doc but will gladly fax or send you copies. I had Selene as a mortgage co for 2.5 months. I sold the property in XXXX 2015. Please help me
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file with TransUnion be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit card or prepaid card

So let me explain what happened... 

I made a purchase ... On my XXXX XXXX credit card... 

I then returned ALL items... which wasn't the issue... BUT she credited my very first card from there ( that I no longer have ) so the second card is the one I used to purchase items ... and she returned them to the WRONG card .... so that's the issue... I should have no balance! But then would t I have a credit to the card I don't have anymore... so weird... I'm not even worried about that... I just need this GONE!!! 
I also have the receipt of my returns
Product: Money transfer, virtual currency, or money service

I sent {$800.00} through Remitly on XX/XX/XXXX and they hold the money for no reason they didnt explain what happened, they just ask for a picture of my license the same night I submitted it, then I been waiting for them to release the money I been calling they sent and XXXX to a bank and said it was going to take up to 5 hours to fix the problem and they would let me know what then CEO from the bank said before anything I was at work I been waiting on a call or XXXX whiche they never did I been calling them and they just put me on hold and dont give me any answers like its not the first time I send money through it I do it like every week and why would be acting up now? They literally hang up on me like am not paying for them to have the job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I XXXX XXXX Have call XXXX XXXX multiple time about inaccurate ideas on my credit report I try to dispute but they gave me no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

this Account Type Installment Loan Account Number XXXX Date Opened XXXX/XXXX/XXXX was paid in full and was never late.
Product: Credit card or prepaid card

Capitol One is reporting 2 accounts on my consumer reports as Charge Offs. 2 are prior credit cards ( Cards ending in # XXXX and # XXXX ) that were closed and charged off by the company without any written consent from me or written notice from the company. Per the IRS anytime a debt is charged off, the company is supposed to issue a 1099c form to the consumer so that the consumer can report this information on their taxes as income. By having to report it as income means this is now considered a debt turned income once the company decided to charge off the debt. Income is not allowed to be reported on any consumer report, therefore both accounts with Capitol One should not be reporting on any of my consumer reports as any type of charge off account. This is illegal to report. They are tarnishing my reputation and negatively affecting my life. My credit is also negatively affected due to their false and misleading reporting of the alleged accounts hindering me from obtaining any goods and services without being discriminated against due to having negative accounts being reported on my consumer report.
Product: Checking or savings account

I tried 5 times to open a savings account online BMO ALTO. Every time my application was rejected with absolutely no explanation. I then phoned customer service. I was told they could not provide me a reason why my applications were rejected, but I was free to try again. I asked to speak to a supervisor but they said nobody was available and did not offer to call me back at a later time or anything, just basically " too bad ''. 
Ridiculous. I've been a customer of BMO Bank for over XXXX years, have all of my checking/savings accounts with them and a XXXX credit score. Now I'm trying to take advantage of their higher rate savings through their new online banking " BMO Alto '' and the customer service if terrible. Why won't they at least provide a denial explanation? I've also escalated my concerns with BMO Bank management with no response. 
This is extremely disappointing!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear CAPITAL ONE, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, your actions infringe on Michigan 's identity theft and consumer protection laws, including the Michigan Identity Theft Protection Act ( MCL 445.61445.79c ) and the Michigan Consumer Protection Act ( MCL 445.901445.922 ). 

It has come to my attention that CAPITAL ONE has reported information to my credit report without my explicit consent. The FCRA mandates that consumer consent is a prerequisite for any such reporting, as outlined in Section 1681b ( a ) ( 2 ). Michigan law further underscores the importance of safeguarding consumer rights and prohibits unauthorized use or disclosure of personal information under the Identity Theft Protection Act ( MCL 445.72 ).

I assert unequivocally that I have not provided consent for CAPITAL ONE to report any information to my credit report. This lack of authorization constitutes a violation of my rights, exposes me to potential harm, and demonstrates a disregard for federal and Michigan laws.

In addition to the federal FCRA provisions, Michigan law imposes specific requirements on entities handling consumer information. Under MCL 445.72, any unauthorized use or disclosure of personal information must be promptly corrected, and affected individuals must be notified. CAPITAL ONE unauthorized reporting may also constitute unfair trade practices under the Michigan Consumer Protection Act, MCL 445.903 ( 1 ).

I demand that CAPITAL ONE immediately cease reporting any information to my credit report without obtaining my explicit consent, as required by federal and Michigan law. You are further required to remove any unauthorized entries from my credit report and provide written confirmation of this action within 30 days of this notice. Failure to comply will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Michigan Attorney General 's Office, and pursuing legal remedies under applicable laws.

This demand is not negotiable but a legal obligation under the FCRA and Michigan state law. I urge you to address this matter promptly to avoid further legal consequences.

Done in good faith.
Product: Debt collection

On XX/XX/XXXX I received a derogatory remark on my credit report from a Zion Holdings, a company I never had contact with and never knew anything about. I inquired to them, and they stated that they bought an old alleged debt from XXXX XXXX XXXX alleging that I signed a contract on XX/XX/XXXX engaging I believe alarm services. After incessant text messages from them I demanded to receive the contract governing this transaction and after a few weeks I received this bogus document. The bogus contract does not bear my authentic signature and is a fraud, and I sent my actual notarized signature by mail to Zion Holdings, and even though they admit it is not my signature they will not release the derogatory mark, nor will they stop collection harassment including harassing telephone calls, and texts. The two key reasons why this is fraudulent and that Zion Holdings is not operating according to laws is 1. The debt is over 6 years old, and in the states of Connecticut and New York the debt is uncollectable, and 2. The original debt was never signed by me and the debt is a fraud and is invalid. The company, Zion Holdings, despite being provided incontrovertible proof that the debt is invalid, refuses to remove the debt or any collection proceedings and is not working and operating according to collection law.
Product: Credit card

American Express sold my personal information and violated my privacy to a non-affiliated third party ( XXXX XXXX ) which is in violation of the original contract and applicable law of 15 USC 6501-6505.