23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute against XXXX collection account on my credit for two reasons.

1.- it is reporting a significantly higher balance than actual disputed balance. It is reporting {$690.00}, actual is {$67.00}. 
2.- The prior account holder XXXX placed this into collections solely off of fees charged on known fraud transactions which i reported and requested investigation by XXXX on multiple occasions. XXXX refused to investigate transactions and refused to correct the error. XXXX furthermore refused to provide proof of debt via validation, verification, authenticity and authorization of transactions in dispute. 

XXXX {$9.00} attempted XX/XX/2018 & XX/XX/2018. These unauthorized transactions caused overdraft fees to occur on the account due to nsf. 

These transactions were Fraud, they were not authorized by me so i should not be liable to pay them because XXXX refused to work with me. 

My report however lies in Transunions complete and utter failure to not only address the concern and investigate it but to provide sufficient evidence to support their outcome. 

I requested Transunion investigate these transactions under fraud and provide sufficient evidence and physical documentation to support their outcome. They have refused, choosing instead to provide a flimsy and weak argument that the debt is valid solely based on the companies response saying its valid. Nothing additional was provided to prove this. I contacted transunion many times requesting that either they provide proof of their outcome or remove the debt. They have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

most recently, on XX/XX/2021 I am a authorized user on a XXXX XXXX credit card, and Experian has repeatedly failed to abide by CRA and FCRA guides, specificity Furnisher Rule 660.4 ( a ). I have spoken with the creditor and their direct response has been " XXXX XXXX 's normal business practice is to send account information to the credit reporting agencies 2-3 days after the billing period ends, and the information should be the same that is on your statement. XXXX XXXX  may report consumer accounts to three Credit Bureaus : Experian, XXXX XXXX XXXX  However, we have no control when the CRAs update their information. '' Now I have been an authorized user for quite a few months, and it has been successfully reported across all another reporting agencies. and still no information regarding my account is being reported at all.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

The state of Maryland filed a tax lien on me in error. I received a lien release letter from Maryland dated XX/XX/XXXX. I also have two emails from Maryland dated XX/XX/XXXX and XX/XX/XXXX stating that the lien was in error, and that the lien had been withdrawn. I submitted this information online with the above documents attached to Equifax. On XX/XX/XXXX I received notification from Equifax that nothing has changed, and they refuse to remove the lien from my credit report. I called Equifax this morning and was told that once the lien has been recorded, it stays on my record for 7 years, whether it was released or not! I asked to speak to a manager and was told the same thing by her. The incorrect lien record is damaging my personal and business reputation. Please help me to remove it! Thank you!!
Product: Checking or savings account

The financial institution I am complaining about is Capital One 360. Everything started with a call from a restaurant telling me someone was placing food orders for alot of money under my name, but to a different address they had on record. I immediately called the bank after I was told from the restaurant they were gon na refund my money. The bank Capital One 360 advices me to cancel my account, so nobody else had access to it but by doing that I was also closing to the restaurant to received my refunds. They said call back in 3 days and we will contact the restaurant to get your refunds. I checked my account and I noticed lot of transactions that were not made by me going back to XXXX last year. I opened a different claim than the one from the restaurant. A month later they sent me an email denying all Of my claims and saying the investigation came out you usually buy on those stores so those transactions were made by you and yes I buy usually on those stores but I live in MA the transactions were made on XXXX. They still refusing my claims I asked for an appealed or reopen the case and they refused to. I decided to call the stores I could to try to figured if they could investigate and try to refund my money some of them did agree it wasnt me. Today was cobtacted by one of the restaurants saying the capital one is refusing to take the refund back because the case is already closed. So no only they just decided no to investigate ( because I didnt do thise transactions ) but when I did their job of contacting everyone now they are refusing to accept my money back. I called them and they are saying because the restaurants wants to refund they gon na reopened the investigation, and they would let me know in 30 days. It is outrageous this institutions can do what they want with your money. I asked for a full review of the supposedly investigation they did and I havent received anything at all. I lost a lot of money and they are just saying the investigation didnt go on my favored and they refused to give me any explanation or information, I am just supposed to believe what they say and there is not anywhere to complaint about or make them do their jobs.
Product: Mortgage

I am writing an extension to complaint XXXX. Although NewRez has previously stated that these complaints are similar, please note that each incremental complaint does in fact represent a new problem in this ongoing saga. 

This time, NewRez has pulled two payments within the span of two weeks, so in effect, they have prepaid themselves the XXXX payment a month early. NewRez customer service re-set up our automatic payments after we received the XXXX autodraft cancellation notice, so this error is firmly on NewRez ' side. XXXX XXXX, a supervisor, supposedly restated these on XX/XX/XXXX at approximately XXXX XXXX but apparently had them start a month early resulting in a second payment that was applied to XXXX. 

Once again, we see NewRez making it difficult to predict how and when the mortgage will be paid, which makes it much more likely that the homeowner will experience fines and fees. 

Furthermore, NewRez has not been pro-active in assigning this additional payment to the principle but rather pre-applied it to XXXX, therefore not correctly adjusting the interest owed given that they are holding an extra couple XXXX dollars for an entire month.
Product: Credit reporting or other personal consumer reports

Recently I have reviewed my current credit report and I have found some inaccuracies. This account is hurting my ability to obtain credit. To my knowledge, the credit reporting agencies Equifax, transunion and experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
XXXX account number : XXXX
Product: Student loan

I called Navient today - XXXX XX/XX/2022- to try to delay my private student loan payments until I can find a full-time job. Navient refused even though I told them I was only making around {$300.00} a month doing part-time work. I was fired from my job in XX/XX/2022. I have been looking for work and have applied for over XXXX jobs, but with my XXXX, XXXX, religious/philosophical convictions, and XXXX I have not been able to find full-time work. I just got off a 6 month interest only loan payment option, but explained to Navient that if I made ANY payment over $ 200/month I WILL BE XXXX  IN A FEW MONTHS! NAVIENT DOES NOT CARE AND TOLD ME THERE WAS NO MORE FOREBEARANCE TIME ON MY LOAN! This was their only option. The last time when I mentioned my XXXX, THEY TREATED ME LIKE TRASH AND SENT ME A FORM TO FILL OUT TO CANCEL MY LOANS, WHEN I AM NOT ELIGIBLE FOR XXXX FOR MY CONDITION - MY XXXX ONLY IMPACTS THE TYPE OF WORK I DO- IT DOES NOT MAKE ME PERMANENTLY XXXX! 

NAVIENT HAS VIOLATED MY CIVIL AND HUMAN RIGHTS! THEY HAVE TRIED TO MAKE ME FEEL LIKE A WORTHLESS PIECE OF TRASH! XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
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, XX/XX/XXXXXXXX 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 an 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 information is inaccurate.
Product: Mortgage

Roundpoint Mortgage is the note holder and servicer of my mortgage. We have submitted four different financial hardship packages with the intention of obtaining an approval for a loan modification. We started last year and until now nothing has been accomplished. Every time we submit a package they lose the paper work and send us a notification requesting the same information we have sent via email and after confirmed via phone that it was received they still send out notifications asking for the same information. They continue to play games with us. We submitted an application requesting assistance with our mortgage with Keep Your Home California, and after months of sending information back and forth we were told that the program was approved but Roundpoint Mortgage would not approve working with them, since they are the servicing company and the investors too. we want to keep our home and we are willing to do whatever it is within our power to remain in our home. The third hardship package we sent to Roundpoint was in XX/XX/XXXX. We called them for an update in XX/XX/XXXX and we were told that our application was denied, they never sent us a notification explaining why. Then in XX/XX/XXXX we received a letter from Roundpoint Mortgage requesting more information and stating that the application was incomplete. They decided to re open our file without saying anything few days after people from the program " Keep Your Home California '' told us that our application for assistance was approved but they needed to hear back from Roundpoint Mortgage in order to release the necessary funds to re instate our mortgage. We were supposed to receive up to $ 100k in funds to re instate our mortgage, but Roundpoint Mortgage declined to receive the help " Keep Your Home California '' was offering to us.Things do not match or make sense. Roundpoint is definitely not helping us, instead they are making things more complicated for us as if they want us to lose our home. We are very stressed out over this situation. I told them I suffer of XXXX XXXX and they don't care at all. The people from Roundpoint lie constantly about the paper work they receive and they continue to toy us around. We never receive a call back from the person in charge of our case within the litigation department. We are being ignored and mistreated. We are doing our best but Roundpoint Mortgage loses our paper work every time and we don't know what to do. The first three times we sent our information via fax seven times and via email. We have always received a fax confirmation and confirmed via phone that our information was received but they always send us letter requesting the same information that was sent to them. Please help us with this situation so we can keep our home. We want to stay in our home. 
Thank you for taking this matter into consideration. 
Sincerely, XXXX XXXX XXXX.
Product: Debt collection

Midland Credit keeps pulling my credit report without a permissible purpose and failed to validate the debt without any account-level documents. They are pretending to be creditors I have never applied for a line of credit from Midland Credit Management, Midland funding, or Encore capital. I could find an apartment because of midland on my credit report, my husband just died, I have XXXX  kids and I depend on my credit that midland has ruined because they keep pulling my credit reports.
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 U.S.C 1681. 

ACCOUNTS NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 report containing any of the following items of information. Any other adverse item of information, other than records of conviction 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 reporting agency if the person knows or had reasonable cause that the information is inaccurate
Product: Credit card or prepaid card

My direct deposit was set to hit today ... there is no direct deposit just the company American Express Serve company saying that they were doing an update unscheduled, and causing my belief they were hacked
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account ending in XXXX is showing my Account as Overdrawn when it was not and damaging my credit report. I was always current with my Account and my Account was never overdrawn. Bank should correct this mistake right away as mentioned in the file attached.
Product: Credit reporting or other personal consumer reports

I don't know from there to start. The situation is really hard and disappointing, because I become victim of identity theft. Scammers from California theft my Social security number and got illegal money using my name from XXXX with XXXX fraud accounts. I spoke with XXXX, I explained that all my life I had a residence in CONNECTICUT, in a past I had XXXX accounts with XXXX opened in XXXX and XXXX that were connected to my real address XXXX XXXX XXXX, XXXX XXXX, XXXX, CT. I asked them how they provided the fraudulent credit under my to California addresses ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA and XXXX XXXX XXXX XXXX XXXX XXXX, CA ). They even didn't checked my public records, because I have never lived in CALIFORNIA. I also explained the situation to credit bureaus and was requested to fill FTC report for deletion of fraudulent items. Please remove all fraudulent information from my credit reports including XXXX XXXX fraud accounts, CALIFORNIA XXXX fraudulent addresses, fraudulent inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Debt was paid in agreed settled amount. With stipulation written if cashed! Flagship offered me an installment payment plan over 12 months to pay off debt. I paid the {$4000.00} agreed amount in one payment. Written on check if cashed flagship is agreeing to remove from my credit reports! Flagship has had the opportunity to return the check to sender, and the opportunity to notify me via email or by phone to let me know they were not agreeing to the terms written on the check! Flagship credit acceptance LLC cashed my check knowing my expectations! I dont see if I fulfilled what they asked of my why they shouldnt be obligations of the stipulations of cashing my check!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  - # XXXX XXXX XXXX - # XXXX XXXX - # XXXX Have violated my rights. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1691 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instruction 15 U.S. Code 1681c - no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit card or prepaid card

on XXXX at approx. XXXX I reached out to chime about items on my statement that was not mine. i informed the rep that after I notified chime back in XX/XX/2023 and filed the dispute and that dispute was approved. and approx. 7 weeks later the company started charging my card again as soon as I noticed the charges I informed chime at XXXX and the 4 hours later chime denies my claim and does not investigate any claim. 
how can a bank not investigate a claim at all. I have had over XXXX go though this account and I don't feel like im protected
Product: Credit reporting, credit repair services, or other personal consumer reports

It says I owe XXXX XXXX XXXX {$620.00} dollars. I never opened an account with them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on the account that I am sure was paid on time. 

The consumer reporting agencies need to report all information with complete accuracy. This account has not been late. I've attached a copy of my report to the complaint on the following dates ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I used Citibank 's mobile check deposit feature on the Citibank application to deposit a check made out to me and my partner. I endorsed the check and my partner did not because I was not aware that we needed to have both signatures. I did not receive any confirmation from Citibank that my check had been received or was being processed, however, upon logging into my account, I could see that it was received. The amount of the check was {$3400.00}. After about a week without the amount being funded to my account and without hearing from Citibank, I called Citibank. I did not receive notice that my check had been rejected. My contact information was accurate and up to date. Upon speaking with a citibank representative, I learned that my check had been rejected because it needed the signature of my partner as both of our names were listed on the " pay to the order of '' section of my check. I asked where in their mobile deposit policy did it mention that all parties had to sign a check to deposit the check and the agent could not tell me. I asked for a copy of the mobile deposit agreement and the agent did not provide. I then asked to speak to a manager. I asked the manager for the deposit account agreement and the mobile deposit check agreement so I could read where Citibank required both parties to endorse a check for mobile deposit. The manager did not provide either document to me, rather referred me to the deposit account agreement at the time I opened the account implying that I might still have access to that agreement. My account was opened when I was a teenager - which was in XXXX or XXXX. To imply that I may still have access to my deposit account agreement from 20 years ago was ridiculous. The manager then informed me that the only way to get my check deposited was to go into a branch. I no longer live in a state with Citibank branches which I told the manager. She then said I could mail the check in which did not make any sense to me as it would provide no further verification of my identity nor my partner 's identity than a mobile deposit. I'm writing this complaint because Citibank a ) failed to notify me of my check being rejected and provide me with the reasons for rejection in such notice ( adverse action requirement ) ; and b ) when I requested the terms for mobile deposit and a copy of my agreement, Citibank did not provide either document. 

As a result, I had to have the initial check voided and XXXX ( the payor ) reissue a check to myself and my partner. XXXX reissued the check and I went to deposit that check for the same amount on XX/XX/XXXX. This time, I both myself and my partner endorsed the check. Citibank rejected my check again ( I received proper notice ). The reason for rejection was listed as " The payee ( s ) does not match the account title ''. While Citibank followed the appropriate processes the second time I deposited my check, I share this second attempt to show that there was no issue with my contact information and that Citibank failed to provide the proper notice the first time notwithstanding my contact information being accurate and up to date.
Product: Credit card

Capital One send me a check book to use on my credit card ( only ). They did not tell that all purchases after that will not have the XXXX day grace period for interest, or that I had to pay the check book check first before I could pay the high interest charges! I call them and they said they told people who call! Well I did not call I just took the checks in the mail has face value! They got me! Help me please!!