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

On XX/XX/2022 a letter came in the mail indicating that Capital One had closed my account. I contacted them immediately seeing as how no other information was given in the notice. This particular call I spoke with the account XXXX of Capital Ones ' fraud department XXXX. XXXX goes on to explain that my item was received, and apparently my presentment of said Item was humorous to him, because I have him on record laughing as he fails to explain why my account was illegally closed. Only to rudely and abruptly disconnect the call. 
It seems as if this is simply how Capital One is training there employees to treat consumers who exercise their rights under their customer agreement and Title 31 of the U.S.C. As I have several conversations on record displaying this dishonorable behavior. 
I have attempted to communicate with Capital One, and I was Humiliated and very offended by their dishonorable actions. A remedy to this very issue was already generated under HJR 192 or more recently Title 31 of the U.S.C. and these Federal laws trump their company polices. And I have them on record refusing to adhere to either.
Product: Mortgage

I am following up on case XXXX. While the issue was once resolved, it has now resurfaced. Please read below. 

I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX  to make my monthly payment to XX/XX/XXXXXXXX XXXX, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid XX/XX/XXXXXXXX XXXX {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XX/XX/XXXX, XXXX XXXX  sold my loan to Suntrust. 

On XX/XX/2019, I filed a complaint against SunTrust through CFPB. The case number was XXXX. After several weeks of waiting, the issue was finally resolved in my favor with the {$1200.00} applied as of XX/XX/XXXX and my payment due XX/XX/XXXX applied as of XX/XX/2019. At this point, I thought the issue was resolved. 

On XX/XX/2019, I received three letters in the mail from SunTrust stating that the {$1200.00} of missing payment was transmitted to Suntrust from XXXX XXXX XXXX  ( XX/XX/XXXX ) on XX/XX/2019 and that the order of payments had been adjusted to ensure the proper allocation towards principal and interest. 

On XX/XX/2019, I received an email from SunTrust saying the check for {$1200.00} had bounced. I called the SunTrust Mortgage customer service number and was told a stop payment had been placed on the aforementioned check. As of XX/XX/XXXX, my mortgage principal balance does not reflect the {$1200.00} paid to XXXX  XXXX XXXX in XX/XX/XXXXof 2019. It also does not reflect the {$2200.00} I paid to SunTrust on XX/XX/2019. I spoke with XXXX XXXX in the Mortgage Payment Solution department who said she would ensure the XX/XX/XXXX payment was reapplied in the interim to ensure my account was not in default. 

As of XX/XX/2019, my mortgage balance is misstated as it does not contemplate the {$1200.00} I paid to XXXX in XX/XX/2019. The payment on made on XX/XX/2019 will need to be adjusted to account for the correct amount of principal and interest.
Product: Credit card or prepaid card

Back in XXXX of XXXX, I was a victim of credit card fraud and identity theft. I filed a police report and everything. The person had stolen my social security and was able to log into all of my online bankings and change my passwords and apply for cards in my name that I didnt even know existed. I am XXXX  and Discover gave me the run around. I had to get my mom involved with XXXX before they finally refunded me and froze my account like i had asked. But I did not involve my mom with the discover, as she was busy and so was I. I am a XXXX XXXX XXXX XXXX  and I was working full time and also have a XXXX XXXX XXXX XXXX  before I was XXXX. I had called discover multiple times while in school, while trying to study and complete my schoolwork, trying to get it resolved. They opened an investigation and cleared some of the dispute in my favor. However there were ATM withdrawals from my discover card, and I had never made atm withdrawals from my card so I reported it immediately. I dont even think they helped me to freeze my account initially and didnt believe that someone had hacked into my online banking. At this point I wasnt even able to log in to verify myself!!! I couldnt even verify myself because of what the fraudster had done. When asked for proof that It was me who had done the withdrawals they just said the investigation said it was me. They didnt send me anything in the mail about the results of the investigation. And to this day are calling my mom, my dad, after I had blocked them because they kept calling me and would not resolve my issue saying i had to pay them back. Whenever on the phone with them I would get transfered to person after person after person. And no one could tell me why I was directly responsible. I contacted an attorney general and know my rights under FCBA and if they dont resolve this case I will press further. I know that I could be entitled to them refunding the money and possibly even double for all the time that they have given me the run around. I will never own a discover card again. Some of the people I spoke to on the phone were very rude and not respectful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC reports with inquiries I did not authorize
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.
Product: Debt collection

I recieved a call on XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.
Product: Payday loan, title loan, or personal loan

Am I behind on Payments- Yes! But to keep calling my place of work a million times a day is harassment! This is the second time that I have asked not to call me at work but on my cell phone! I will definitely work out some kind of plan where I can have it deducted from my account each time I get paid but please please please please stop harassing me at my job!!!!!! 

Thank you!
Product: Checking or savings account

On or About XX/XX/2018 A unidentified party accessed my XXXX  XXXX Credit Card Account. They began charging and purchasing overseas products. This was XXXX weekend followed by XXXX XXXX  and XXXX XXXX. 
These individuals added two Chase customer accounts to my XXXX   XXXX Secured Payment Page which means they gained access to my my XXXX  XXXX online account and they added Two ( 2 ) Chase Bank Accounts to my XXXX  XXXX Payment page. 
Over the weekend to which I was busy with the Holiday they some how drained and over drafted funds from my Chase Account. 
I have the ending numbers from the Chase accounts used to steal from me including the emails from XXXX XXXX demonstrating these account were linked to XXXX XXXX. 
Chase bank has refused to take these account numbers from me to investigate who these customers are. I have been damaged and have received some account adjustment but other transactions I did not make are still being investigated. 
Chase Fraud Department was supposed to send me documents to sign that I did not authorize these payments and I did not make any of these purchases. 
I am now told that I will not be receiving these documents and they will not take the Chase Account Information that was placed on my XXXX XXXX Account Page to investigate who owns these accounts at chase and to see how this cyber theft occurred. 
I maintain that Chase bank is aware of who did this and is purposely deferring any resolve for me to avoid liability. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on my XXXX credit report that I was never late for. The consumer reporting agencies have assumed a valid role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screen shot inside the complaint in on dates XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. XXXX XXXX  is showing as an adverse account with XXXX  days. The other XXXX bureaus are not showing XXXX  days late. Thanks! Please see screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. This account listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... 
XXXX XXXX XXXX Date Opened XX/XX/2016 Balance : {$400.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( XXXX ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Money transfer, virtual currency, or money service

In XX/XX/year> a XXXX was sent in error. I requested a refund from the recipient they refused and then notified JpMorgan chase they refused to investigate or refund my money. I ultimately ended up filing a small claim and never received my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been paid in full through XXXX debt settlement for the amount they agreed to settle at. However, instead of showing this on my credit report, Net Credit is claiming I still owe them money in the original full amount which is completely false. I can get the XXXX credit repair service involved if needed. Net Credit has refused to update this information that they signed documents agreeing to with XXXX. I have been making payments to them for months through XXXX and they have lied about being paid the full amount of the settlement. I have a document from XXXX debt settlement I would like to attach if possible.
Product: Money transfer, virtual currency, or money service

I dont know exactly what yall need to know but Ill start from the beginning, Monday night XX/XX/20 I went to XXXX and transferred {$50.00} from my savings into my checkings and spent {$35.00}, I then went home and started cooking and remembered I was supposed to send money to my mom so when I tried to log into my account it wouldnt let me so something told me to check my email and thats when I seen that someone changed my email and I looked further in my emails and also seen that they transferred XXXX at first from my savings to my checkings then XXXX out of my savings to my checkings and I couldnt check my balance because Someone changed my log in information so I called to check my balance and it was {$0.00} so because chime was closed at the moment I ended up calling them early the next morning. I talked to a lady and she was able to help me change my email back and password then from there I got transferred to a supervisor he then said that his system wouldnt allow him to put in the dispute for me so they transferred me to another department to see if they will enable them to file the dispute they then told me to call back in 3 days to check for any updates, so Friday morning XX/XX/20 I called and they said the dispute was filed and the investigation has started and then told me I just had to fill out the dispute form they sent me already so I checked through my email for it but couldnt find it so she kept trying to resend it to me but I still never received it so she told me another department would be in contact with me within 24 to 48 hours sending me the dispute form but I still was having trouble receiving it so I searched it up and filled it out, now I was able to cancel the XXXX transactions and get that back but the XXXX is what I filed the dispute for, someone transferred that to a XXXX XXXX XXXX account without my consent. Ive been emailing chime non stop after that to get more updates thats when they finally emailed me back and said the dispute was declined bc I didnt give them enough information, Ive never had this happen to me before is dont know what else they need they have my transaction history so they see that, I also sent them screenshots of when they emailed me saying my email was changed and also when I ended up changing it back the next day which was XX/XX/20, they have all my phone calls recorded so they have it where the lady had to help me change it back. I've emailed over 9 times, called them probably more than that, its XX/XX/20 still no help from them and no money, now I can't let this go I've worked hard to save up and I have my brothers and sisters I help my mom take care of I dont know what else to do I need help.
Product: Mortgage

Good Afternoon, This relevant to previous CFPB complaint # XXXX and supporting documents filed there. <P/>The final disposition of that complaint was that Suntrust agreed to move forward on a loan modification without requiring the signature of my ex-husband who is a hostile party. <P/>The final decision came through after I convinced him to sign with attorney threats and the signed docs were already enroute to Suntrust to meet the offer deadline. <P/>Suntrust then left it there and did not revise the documents so as they stand, his signature is still on the account. <P/>I requested that they remove him from the account based on their agreement to do so during the modification process which was based solely on my own income information and issued solely in my name ( but requiring his signature ). <P/>At this time I requested that he gets finally removed ( divorced in 2010, quit claimed off the property all supporting docs you have on file in the prior complaint ) and they have said no in three ways and are still passing me to new departments to discuss. I have spent an hour yesterday over two phone call and a phone call today with yet a promice that a 4th person will get back to me but the stance from each person remains that removing him is not an option.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX  Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Mortgage

WELLS FARGO ( the   XXXX   that they are ) outsourced their collection to initiate foreclosure on a reverse mortgage while working with the deceased sibling knowing that the legal process to become a personal representative of the deceased had been initiated. The outsourcing to an attorney in  XXXX  Arizona created a {$2200.00} increase added to the payoff.  Had Wells Fargo gr anted an extension requested by the sibling and waited the allotted period after the death of their client, the sibling would not have incurred the additional fee s. Wells Fargo is no one 's friend and does n't care what circumstances arise. If any one person does n't adhere strictly to their dictatorship, Wells Fargo will kill you off slowly with their   XXXX   tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are allowing the reposting of a fraudulent account. The debt on this account has been transferred to multiple debt collectors after requesting that the data furnisher and the credit bureau block and notate the account last year in XXXX. I would appreciate if the bureaus did their job so my credit can stop the roller coaster journey.
Product: Student loan

XXXX  closed all of its schools, I have a private loan in the amount of  XXXX  which Navient has in debt collections.
<P/>
School :   XXXX   XXXX   XXXX   Lender : NAVIENT CREDIT FINANCE CORP Disbursement Date  XX/XX/2007  Original Principal {$9400.00} I have not transferred any credits from   XXXX   and should be eligible for forgiveness. I attended less then a semester and was mislead to believe this student advantage loan could be consolidated with federal. They used misleading tactics and have been closed due to these false, predatory and misleading tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife has opened a capital one credit card, and added me as an authorized user, but then i got myself off her card, and theres still a missed payment showing on my XXXX credit report from my wifes card.
Product: Debt collection

Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX from XXXX XXXX is calling me stating that I have to appear in court.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, XX/XX/2024. XX/XX/2024, and XX/XX/2024 I sent letters regarding an investigation on accounts that are reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I inquired about a car at XXXX XXXX XXXX, XXXX XXXX XXXX. I provided my information to begin working on a deal for this specific car. After they ran my credit, they informed me that the car had already been sold that morning. The car not being in stock would have nullified going forward with the process of running my credit but they proceeded to do it anyways. There was no resolution other than offering to find me another similar car, which they sent ONLY blurry pictures of, and no information such as mileage or price AFTER i reached out again for resolution.