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

hey guys i have a credit card with capital one and i have some missed payments due to me having a hardship in a change of jobs and then my house got burnt down, so i was struggling financial at the time but now i am on my feet i have missed some payments but i have now made 7 in a row payments and i will love if you guys can forgive me for some of my missed payments or all them. i have a great paying job now.
Product: Credit reporting, credit repair services, or other personal consumer reports

These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XX/XX/XXXX however the company did not post it CLOSED untilXX/XX/XXXX the Credit Companies are reporting an ok Rating from XX/XX/XXXXthru XX/XX/XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX  XXXX Account number : XXXX  DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account number : XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I live in XXXX Texas. On XX/XX/21, i traveled from XXXX Texas to XXXX Texas, On XX/XX/21. Still in XXXX Texas, i went to a XXXX XXXX store and bought item of {$36.00} and my card which i had with me declined. I came out from the store and logged into my account and noticed an unauthorized withdrawals, of {$1900.00} and i called the bank. The bank official told me to go the the local branch office to open another account, that they would start investigation. On XX/XX/21 i went to Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX Texas, and i was attended by the banker named XXXX XXXX, who was in the process of opening an account for me noticed that a fake mailing address was attached to my account. This fake address was in XXXX. And she noted that a card was shipped to this fake address by the bank. She quickly called the fraud department and asked them about the address, and the card shipped. It was then the fraud dept stated that two cards were sent to XXXX and they were going to cancel them. Then i asked them to tell me how and when that address was attached, and the card numbers. The bank staff said i would be told after the investigation. Up till now, nobody has given me any information on that. The bank denied my claim stating that the card number which was used at ATM was my card. I have my card in XXXX Texas, how could someone withdraw money from ATM without a card?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access personnel when calling the dedicated toll-free numbers during normal business hours. This has been with Experian, XXXX and XXXX. During normal business hours, countless calls to the dedicated toll-free numbers received a busy signal or message indicating that I must call back because all representatives are busy. Unreasonable hold time while waiting to speak with personnel during normal business hours. Section 609 ( c ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681g ( c ) ( 1 ) ( B ) XXXX, XXXX, and EXPERIAN are obligated by the FCRA to report accurate accounting. I have advised ALL the hard inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed. I am now requesting ALL XXXX agencies to provide the documentation used to determine inquiry was indeed authorized by me. They have 15 days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature, I am not asking for an E-Oscar report. IF XXXX, XXXX, EXPERIAN do not provide documentation to show these were in fact authorized, it MUST be removed ASAP. SAID company 's are liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB Forms to audit my consumer account. These companies are securitizing my consumer data yet refuse to provide me with a copy of their consumer file, NOT a consumer report. 

XXXX XXXX file number XXXX XXXX XXXX XXXX Number XXXX EXPERIAN Commission File Number It is also to my attention that XXXX XXXX has charged-off a debt owed without provided me with a 1099-C The creditor sent a copy to the IRS. If I don't acknowledge the form and income on your own tax filing, it could raise a red flag. Red flags could result in an audit or having to prove to the IRS later that I didn't owe taxes on that money. Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. I have called several time to retrieve the 1099C and I'm being met with being put on hold for long amounts of time then disconnected. I am not sure if my account is flagged when I call but I cant seem to get through.
Product: Credit card

I filed a dispute against Walmart for a large purchase because it was delivered to my neighbors house. They rejected this and claimed I violated their return policy and can no longer make online purchases. However, even though trying to reason with them and explain the situation, they didnt fix it. And they prevented me and other relatives who live with me from ordering online through their services. This is unfair, especially since Ive been a customer with them for more than 6 years and I have a card I can only use with them.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account was closed then it was re opened there is no information on last payments, and Im receiving different messages regarding the account. I am currently disputing it with all credit bureaus and TransUnion has a lot of wrong information
Product: Credit card or prepaid card

Synchrony BankXXXX XXXX XXXX is charging interest {$880.00} on a promotional balance owing of {$300.00}. 
Original balance was {$4200.00} 12 payments were made but by my mistake I was short {$300.00} at the end of the promotion.

Synchrony Bank XXXX  customer service is unable and or unwilling to explain and show the calculation of interest charged, I am unable to them explain after expending hours on the phone with them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX, XXXX, FIFTH THIRD Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 


Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error.

If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.
Product: Checking or savings account

I saw that Commerce Bank was offering a {$200.00} bonus for new checking accounts. I live in Illinois, which is one of their states, so I signed up and made a {$5000.00} deposit on XX/XX/XXXX. I just got a letter dated XX/XX/XXXX saying my account was closed due to inactivity. I had only had the account open for 6 weeks, and they are closing it for inactivity?? It 's clear to me that Commerce Bank is just trying to avoid paying the {$200.00} bonus, which would have occurred at the 90 day mark. They should n't be allowed to have people go through all the effort to honestly open an account with them and then deny the bonus because 6 weeks later they decide it 's not the kind of customer they want. They had my address when I signed up with the bonus promo code, so any sort of suggestion that I was n't in the bonus target area is ridiculous ... .they should have denied my application then if they did n't want people in my geography ( and I do live in a Commerce Bank state ). 

I sincerely doubt Commerce Bank is closing long-standing accounts that lack activity for 6 weeks. They are only targeting accounts for closure that they 'd have to pay a bonus on if they stayed open longer.
Product: Checking or savings account

I was sent a letter from WF saying my account was negative for a bad check but like I told the reps I spoke to about this that I didn't cash or deposit any checks and wasn't going to pay for something j didn't do eventually WF just stopped reaching out or returning my calls and my account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023 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 Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ). I didnt apply for these credit cards, auto loans, etc. I called XXXX, XXXX and Trans-Union to file a dispute, but they ignore me and give me the runaround and the hard inquiry remains.
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 deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX : {$4400.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

My name is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer is Select Portfolio Servicing , Inc . Select Portfolio Servicing , Inc., purports that they work on behalf of XXXX XXXX  XXXX. whom they claim is the owner of my mortgage loan. Select Portfolio Servicing Inc., hires a law firm by the name of XXXX XXXX XXXX XXXX to act as a foreclosure attorney for the servicer on behalf of the Owner/Investor of the loan, XXXX XXXX, XXXX. For years I have provided Select Portfolio Servicing, Inc and XXXX XXXX  XXXX, XXXX with XXXX XXXX evidence that XXXX XXXX  XXXX. does not own my loan. I have also asked for Validations of Debt from XXXX XXXX XXXX XXXX on several occasions. XXXX XXXX XXXX, XXXX never actually validate the debt however, they consistently try to foreclose on my property. Employees of XXXX XXXX XXXX XXXX also submit themselves into state and federal records purporting to be the legal representatives of XXXX XXXX XXXX. This is extremely illegal. Most recently I have called XXXX Headquarter and Mortgage Servicing departments and they too have said XXXX XXXX  XXXX. has never owned my loan, has no records of my loan and do not have information in their data base pertaining to my name, address, loan number or social security number. Furthermore, cases like Stubbs vs. Bank of America and You vs. JP Morgan Chase ( GA Supreme Court Case ) clearly state that only the SECURED CREDITOR can foreclose on a property. XXXX XXXX XXXX XXXX are aware of that laws required to LEGALLY foreclose on a homeowner in the state of Georgia. 
In conclusion, XXXX XXXX are using a pseudo entity to foreclose on my home which would be considered theft, fraud and I am sure many other infractions. I must assume that XXXX XXXX XXXX XXXX engage in these practices quite often and need to be stopped. As barred attorneys they are supposed to uphold their oath and should not engage in fraud before the courts. Please investigate this matter and if you do, I will assure you that this law firm has engaged in illegal foreclosure and fraud before the courts for over 10 years and need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted complaint about credit score dropping 100 points for no discernible reason. Received mumbo jumbo response from XXXX and Transunion basically stating it is a secret formula they apply and not an intelligent answer that answers th e question. I want a response in the XXXX language why my credit score has dropped that huge amount. Have reviewed credit report that Transunion sent and it has not changed. XXXX did not even send credit report to review. This is ridiculous. I complain. I want an answer.
Product: Credit card

I had a credit card account with XXXX card services in XXXX. I defaulted on the credit card in XXXX. The collection agency Midland Funding continues to report this negatively on my credit report. I have filed a report with the agency and Midland that this is an old debt as there has been no activity since XXXX. Midland continues to report with activity since XXXX which is incorrect. There was no activity on this account in XXXX. The last activity was with original creditor XXXX in XXXX. This account and activity is over 7 years old. It should not continue to be on my account with XXXX and XXXX. I have filed an error report with XXXX but they continue to report this old account based on incorrect information provided by Midland.
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 the lagged posting of charges and credits. This issue aligns with the current CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

Ive been trying to receive a partial lien release on my property that Ive owned since XXXX. Ive spent XXXX of dollars within the city and the mortgage company based on he mortgage companys request. Ive paid for certified survey maps, appraisers, city fees and approvals. Ive completed every questionnaire theyve ask for numerous times as I still get back the same response that the paperwork is in review or they havent received it, even after I send it certified mail. Im currently trying to divide a property that I purchased that my ex lives in while I live in a XXXX bedroom apartment with our XXXX children. In court I agreed to section the XXXX acre of land off the original property in order to get him out for me and our children to finally get away from the terrible conditions that we were exposed to living there. Ive gone into debt providing all the payments for all the hoops this mortgage company has made me jump through. And now I cant get connected to any person or get a response email. My city is asking when Im going to get the approval from the mortgage company, who has received all the financial and all other ridiculous information they need to be able to release the land from the original parcel so I will be able to move forward and sell the land along XXXX the house in order to be able to get my children out of this XXXX bedroom disgusting apartment and they refuse to help. I make numerous calls and emails consistently. I will be more than happy to send all emails to whoever that can please, Im begging you please for help. This process started over 2 years ago and I had to go to court with my ex and take full responsibility because my ex was getting nowhere. And Ive been calling and emailing and the mortgage company was being compliant until they received all the paperwork and all the approvals which was at least XXXX months ago. The bank is FirstBank mortgage company which is now ran by XXXX XXXX?XXXX Im out of options and Im struggling terribly to get this process completed. Please help me. 
XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir/madam. My name is XXXX XXXX XXXX owner of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Was a victim of an email Fraud in which case the fund went to XXXX XXXX. I have been trying to get this money back since XX/XX/2022, XXXX XXXX XXXX XXXX is holding this fund. I have been communicating with these 2 gentlemen below. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Sr. Vice President Sr. Area Security Manager Ofce XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX. 
And also, in chase Bank from where these funds were transferred, Chase business Relationship Manager XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX Spoke to XXXX online fraud claim specialized Chase bank XXXX XX/XX/2022 New call come from Chase Claims XXXX XXXX EXT XXXX CHASE CLAIMS # XXXX XXXX XXXX XXXX XXXX Tel XXXX XXXX XXXX XX/XX/2022 XXXX XXXX : XXXX TAX ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an unknown account on my credit file inwhich I have absolutely any knowledge of, therefore I'm demanding that this account be removed immediately from my credit file. 

1 XXXX XXXX XXXX XXXX
Product: Debt collection

CMRE Financial Services, XXXX has attempted to collect a nonexistent debt from XXXX XXXX XXXX XXXX that resulted from XXXX XXXX XXXX XXXX 's failure to correct a billing error with XXXX XXXX. Furthermore, the Notice from CMRE states that CMRE will assume the debt valid unless I contact CMRE in writing within 30 days, in violation of the FDCPA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( XXXX, XXXX. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( XXXX ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive.requirements under. The electric fun Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss.
Product: Checking or savings account

I sought to make an online transfer of funds from my savings account. Because I had made a transfer the day before at the maximum amount they told me that I could not make additional transfers from the account until 4 days after those funds had cleared even though though the funds had come out of my account. Funds are therefore trapped and I am unable to access. They told me that this is to prevent fraud even though the account that I was transferring to is a pre-established and verified account that I have used for years. No where online in the disclosures that they have published online is this restriction described. They claimed that some months ago an e-mail was sent to customers notifying them which I do not recall receiving but even if this is the case why isn't this published in their online disclosures?