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

On XX/XX/23 my debit card was compromised. I believe that the card information was obtained through some card reading system. I noticed a few charges on my account that I did not do. When I realized that there were charges that I was not responsible for I immediately filed a police report when I arrived back in XXXX XXXX on XX/XX/23. I reached out to Navy Federal and advised of the charges and also sent a copy of the police report. Today, I received notification from Navy Federal that the claim was denied because of conflicting information. The Fraud Claim Department manager, XXXX did not and would not inform me of the conflicting information which was explained on the police report and also explained to Navy Federal. As a result, Navy Federal took {$510.00} from my account and stated that the claim was closed. They advised that I would be able to appeal after answering a line of questions. Those questions are : 1. Why do you believe your claim should be honored? 2. Was the card in your possession when the fraud occurred, or was i
t lost or stolen?

3. If the card remained in your possession, how do you believe your card information was obtained?

4. If lost or stolen, what date did the card fall out of your possession?

5. If you have ever allowed anyone to use your card, how do you know this person ( s )?

6. If you received any merchandise from the merchant, is this merchandise still in your possession?

7. Did you authorize or participate in the charge ( XXXX ), but there was an error? 

I provided all of the evidence requested by the fraud department, I never received a call back nor a follow up during the claim process. No additional information was requested and unfortunately because of the type of theft, I am unable to verify where my card could have been compromised being that I used my card throughout the course of the day. I am aware that in XXXX, identity theft is prevalent and as I explained to the representative, I believe that a card reader was used to capture my information.
Product: Checking or savings account

In 2007 I purchased three CDs at {$10000.00} each. Forgot about them until my daughter found in her safe. I am now fighting XXXX XXXX XXXX and need my funds. Went to cash them in ( I have originals ) but they could not find my records. I have spent years now trying to get them to tell me what happened to my CDs but I get a run-around. They cant find them. No one seems to take serious they have my money and I now consider it stolen. They are with Capital One Bank. The used to have branch in XXXX, Texas, but closed it.
Product: Mortgage

Mr. Cooper via Nationstar has engaged in a lengthy process in delaying the processing of my mortgage refinance. It is unclear whether this is due to negligence, incompetence, or malicious intent to perpetuate elevated interest rates. To my understanding they have thus far spent 9 months to complete a 30-45 day process. It is unclear whether they will complete the process. 

During this process they have lost documents, asked me to provide their own documents, lost track of insurance payments, misallocated insurance payments, asked me to refrain from making payments then beg me to make payments after misappropriating my escrow. 

I have spoken with XXXX XXXX, XXXX XXXX, and a man named " XXXX '' who called me on the phone to explain that there is nothing for Mr. Cooper to do because Mr. Cooper has done nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information provided incorrectly states that proportion of balances to credit limits is too high on bank revolving and other revolving accounts ; amount owed is too high. 

Each account we have is paid in full each month. This is true for all our accounts with the exception of our home mortgage. That payment is made on time each month.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and I noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Fraudulent Information Due to Identity Theft Dear Collection Agency, I am writing to formally request the immediate blocking and removal of fraudulent information on my credit report due to identity theft. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act has directly violated my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

As a consumer protected by federal law, I demand the following deletions from my credit report to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : Delete all outdated and irrelevant addresses from my credit report. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I can not receive mail or any correspondence at outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all information currently listed under the " Employer '' section of my report. 
Data Breach Impact & Failure to Protect My Information I was involved in a data breach with XXXX XXXX XXXX which resulted in my personal information being compromised. Consequently, fraudulent accounts were opened in my name. Despite my repeated requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud. 

Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, thereby violating my consumer rights under multiple laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification. 
15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.
Product: Debt collection

This is an attempt to collect a debt regarding a vehicle accident. I did not own the vehicle in question nor was I the driver of the vehicle. Afni Collections stated they were contracted with XXXX XXXX to pursue the claim. Upon contacting XXXX XXXX, they have no contract with AFNI Collections nor do they show any debt relating to my name, address, or Drivers License number. I contacted my personal vehicle insurance company of 12 years and was told that we do not have any claim with XXXXXX/XX/XXXX, now or in the past. XXXX XXXX suggested filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX by mail asked them to remove all late fees, nothing was sent back so by law that was a consent to remove all late payments. The payments all have been brought to a positive balance however, they took my money and didnt produce or perform their obligations to remove all late payments. 
Called by phone and the representative informed me that he was going to send my concerns to another department.
Product: Credit reporting or other personal consumer reports

The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating and insulting to my rights as a consumer being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting act XXXX Account #, 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 a account without my written instructions
Product: Credit card

CapitalOne account ending in XXXX was paid off and closed in XX/XX/2024. This bank has continued to enter incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$410.00} XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

Please view attachments. Lender is hereby notice that they have 72 hours upon receipt of this notice to enter a rebuttal. Failure to enter a rebuttal means that the lender admits to having no claims to this account and thereby forever release clams against the borrower.
Product: Money transfer, virtual currency, or money service

I received an email stating that PayPal has permanently suspended my account. I have searched and found out that there are no options for account restoration available to me through PayPal 's website. There is is no explanation whatsoever for why is the accounted suspended by paypal. Immediately prior to being suspended I was selling on XXXX  with a 100 % positive feedback from buyers. I also recently purchased a XXXX  XXXX  XXXX  of XXXX of XXXX XXXX XXXX. My Supplier has shipped the order to the customers already but my funds are in HOLD in paypal. I'm unable to pay the supplier now, which is heavily negatively effecting my reputation as a seller on XXXX  and the relation with the supplier for XXXX business. 
Along with the account suspension my funds are on hold for 180 days. Evidently, This includes the ability to pay my suppliers to ship the pending orders. It will lead to angry customers making charge backs. It will cost me big. 

Paypal Case ID ( Ref ID - XXXX )
Product: Vehicle loan or lease

I bought my truck on XX/XX/2019 I went to buy a truck specifically a XXXX XXXX XXXX XXXX XXXXXXXX XXXX i am an XXXX XXXX XXXX card holder they have a car purchase program they send with them with a certificate the sales man then started showing me trucks like the one they quoted me so I was okay perfect he showed me the one I got never told me that wasnt the one I sent him I assume it was the one I sent him when I saw the final print of docs which where given to me the next day I saw that it was the wrong truck I got a XXXX and the price on those are way cheaper than the one I went in for they never changed the price the finance guy lied to me about the package price ( appearance package ) he said it was XXXX and like XXXX bucks a month turns out that package was XXXX plus XXXX bucks a month when i told him to cancel he lied saying i couldnt cancel o got ripped of on the moroney sticker XXXX dollars for nitrogen gas common they charged me for a delivery fee over 1,000 dollars I put down XXXX deposit and they somehow managed to eat it.i was pressured to sighn without giving me Any documents to read I just believe what he said All the numbers do not match up I got XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made an early payment of {$50.00} to be applied to my account over the phone with a representative for the XX/XX/XXXX. My payments are not due until the XXXX of every month. I got a confirmation number of XXXX. Recently I called to question my rewards and found out my payment was rejected!!! I asked why and the representative could not give me an answer! I said it can't be insufficient funds there is money in there! I said why did they give me a confirmation number and ALSO why was I not notified through an email? I spoke to XXXX and XXXX on the XXXX and I was told someone would get back to me and no one has! 
I then got fed up and called back again to find out what was going on. XXXX XXXX, another " supervisor '' has to be the rudest, most unprofessional customer service rep I have ever spoken to! She told me it is not their responsibility to let me know my payments are rejected. Well it surely is if I got a confirmation number and since it's not a problem with insufficient funds it's definitely THEIR ERROR which means it's even more of a reason for me to get notified!!! Her attitude is HORRIBLE and I let her know that she is not fit for her job. She did nothing but talk in circles and repeating that someone is investigating this and will get back to me and still no one has called me with an answer! I think this credit card company is shady and wants me to accrue late fees and their customer service is the WORST!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXXBalance : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$100.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I am the owner of a residential property ( condominium ) which was being leased to two tenants in XXXX. As required by the residential lease, on XX/XX/XXXX, a partial month 's rent payment of {$600.00} was paid to me by the tenants using Google Pay, a digital payment service. I accepted this payment and it was deposited into my physical bank account. 

Nearly five months later, on XX/XX/XXXX, one of the tenants fraudulently disputed this transaction with their bank. This bank, without notifying me, investigating the claim, or receiving my consent, accepted the tenant 's claim as truthful and, according to Google, demanded the {$600.00}.

Google then ( again, without investigation or my consent ) acceded to this demand and unilaterally pulled this amount from my Google Pay account ; since I use Google Pay as a pass-through/payment app and not as an account to store funds, my balance is typically {$0.00}, meaning that this action by Google left me with a - {$600.00} Google Pay account balance.

I contacted Google via online chat, who told me to file a form to start an investigation, which I did on XX/XX/XXXX. On XX/XX/XXXX, Google stated the following : " Thanks for contacting Google Pay support. We determined this dispute claim is invalid. In the disputed transaction, you claimed an amount through Google Pay. We found no system errors and as advised, if it was canceled from the counterparty, you have to contact them directly to get the funds back. The Error Resolution Policy specifically states that any, 'Customers are solely responsible for disputes and GPC is not a party to and will not be responsible for any disputes between Customers. ' Further action may be taken against the other accounts involved. Due to user confidentiality, we cant discuss the outcome of any investigations with you or them. If you have any other questions about Google Pay, reply to this email. '' I responded by stating that their statement was openly contradictory, as they already HAD intervened in the so-called dispute by unilaterally taking {$600.00} from me and accepting the tenant 's ( and their bank 's ) claim as factual. In later emails, they stated that they " can not process a refund for a transaction disputed by the counterparty '' ; again, this is openly contradictory, as they processed a refund for the tenant simply because the tenant made a complaint. No investigation, no notification, just a sight unseen pull of money from my balance to the tenant. I advised them that in this state, stealing {$600.00} is first-degree petit theft, and that, by blindly granting {$600.00} to the tenant and subsequently refusing to assist me when notified of the fraud, they are aiding and abetting that theft. Google has since stopped responding to my emails, despite my attempts and offerings of documentation as to the legitimacy of the original rent payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Wells Fargo Bank reported my Wells Fargo Credit Card as being " 30-days late. '' Beginning as early as XX/XX/XXXX, I sent Wells Fargo information that said, paraphrasing, the following : " a ) that On XX/XX/XXXX, I spoke with a representative from Wells Fargo about my account and due date. 
b ) that She informed me that my account was not late ; c ) that my next due date was not until XX/XX/XXXX ; and d ) that my payment would be late ( not thirty-days late ) starting only XX/XX/XXXX. 

Because of this XX/XX/XXXX, I was not made aware in advance by Wells Fargo of any late payment. '' Up until late XX/XX/XXXX, each of Wells Fargo 's reply letters said the following two items, again paraphrasing : 1 ) Weve completed our research and are ready to share our findings. 
2 ) Wells Fargo is required to report factual and accurate information to the credit bureaus under the Fair Credit Reporting Act ( FCRA. ) I have made REPEATED request for Wells Fargo to confirm and to acknowledge the XX/XX/XXXX telephone call that I had with a Wells Fargo Representative. 

On XX/XX/XXXX. They replied via letter and informed me, again paraphrasing, that they have no record of the call. 

Importantly, they state in their XX/XX/XXXX letter that each telephone call " may '' be monitored ; but they state that it does not mean that each call is for sure monitored. 

Because they have no recording of the call, they assert, wrongfully, that the call did not take place. And further, that they can not remove the 30-day late. 

Their XX/XX/XXXX letter is not a flat denial of my assertion that the XX/XX/XXXX took place. Rather, they state they have no record of it. 

It is a non-denial, denial of my fact. 

This is impossible for me to prove. 

yet, I have provided explicit details of the call, included many points of the conversation. 

And I hereby assert and affirm that this XX/XX/XXXX call took place. And at this time, I was not advised or warned or provided advanced notice that my account was in jeopardy of being 30-days late. It is a requirement of the Fair Credit Reporting Act that the lender and/or bank must inform the customer of any late payment ; especially if one is about to be 30-days late. This did not occur on XX/XX/XXXX, nor any time prior to XX/XX/XXXX. 

This is a clear violation of the Fair Credit Reporting Act. 



Regards, - XXXX XXXX XXXX
Product: Debt collection

I have notified the debt collectors that these accounts never belonged to me. My private information was used without my knowledge to open multiple accounts in my name. Please correct immediately.
Product: Debt collection

The company that says I owe a balance to them is world finance I never even received a loan my identity had got stolen some months ago
Product: Mortgage

During the Covid 19 pandemic, I loss my job, I got approximately XXXX behind on my mortgage with Regions Mortgage. I applied for help through the XXXX XXXXXXXX XXXX XXXX ( XXXX ) and I was awarded XXXX from XXXX to go towards my mortgage. The XXXX representative advise me that {$20000.00} would be paid to bring my loan current. The remaining funds would be applied to my monthly payments. None of this happened. My arrears were not paid. XXXX paid my mortgage for XXXX months. They did not pay the arrears. I was not informed of the change. I was approved for {$40000.00} only XXXX was paid on my loan. I was never told the mortgage payments were ending. I have now been told I have to reapply. This is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX my mortgage lender is Regions Mortgage. My current interest rate is under 3 %. Regions Mortgage is recommending that I refinance at the new higher rate, which is double my current rate. I have a XXXX son who requires 24 hour care. After Covid 19, my care provider of 15 years is no longer able to help me with my son. For the past 15 years I have worked 2 jobs just to provide medical care alone for my XXXX son. My question is why didnt XXXX pay the portion that was in arrears as they told me they would do? Why do I have to reapply for Mortgage funding I have already been approved for and still desperately need? How does XXXX decide who get arrears paid and who does not. XXXX application # XXXX ; Regions # XXXX ; FTC # XXXX. It is obvious that the states are trying to keep consumers like me in a conundrum of paperwork so that states can keep the federal funding meant for tax payers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and I would like to have my documents looked at and deleted.