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

While I was overseas and traveling for the past few years, someone opened up a few credit cards and a checking and savings account with Capital One. There was a balance ran up of about {$5000.00} on a {$7500.00} credit limit card. I was able to get the account closed down yesterday but it still caused issues with my credit.
Product: Student loan

I have student loans through mohela and in the XXXX program. I was all prepared for payments to start this month, but received a letter stating that I am getting put on administrative forbearance, which was never requested by me and did not receive any information as to why or what this means. I attempted to call them, but was faced with over XXXX hour long waiting times despite trying to call multiple times and never received a call back with the callback prompt. They provided no information on what this forbearance means in regard to public student loan forgiveness payments as historically they did not count but given recent changes in policy it is unclear if this has been changed or not. No information was provided in the correspondence from mohela or on the website. This is very unacceptable to be facing forced forbearance without my consent without any information or details and being unable to call anyone to reserve this which is what is instructed to do in the letter
Product: Credit reporting or other personal consumer reports

I was a victim of unauthorized inquiry reporting, and this is another request to remove the items from my credit file resulting from these unauthorized inquiries. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you must remove these items no later than 4 business days after XX/XX/XXXX. I have included this report in my previous complaint and am including it again. Additionally, the information you provided on these items is unknown to me and has been deleted from other bureaus, which leads me to question their accuracy : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX. This communication serves as your final warning. If you do not remove the listed items from my report, I will initiate legal action. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any willful noncompliance. Please remove the items resulting from unauthorized inquiry reporting. Thank you for your prompt attention to this serious issue.
Product: Credit card

I am being charged {$45.00} -XXXX per month in interest, after 0 %, on my credit card. When I called asking them to lower the 22.99 % interest rate, I was told that " there are no provisions for lowering the rate at present, you can check back at a later date " I have had my income drastically lowered & can not afford these exorbitant charges, is there something that can be done to help me? I have been unfailing in my repayments- always on time, ergo this company has denied even speaking with me about trying to find a way to help!
Product: Debt collection

I didnt know Credit Management Services were respresenting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via phone or mail. I never received the documentation in any way shape or form. There was no communication from Credit Management Services at all which I feel that violated my rights.
Product: Debt collection

ACCOUNT NAME ACCOUNT NUMBER BALANCE which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with COLLECTION. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report.

To date, COLLECTION has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Credit reporting or other personal consumer reports

Names, addresses, phone numbers and 11accounts falsely reported on my account with XXXX they need to be removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting hard inquiries on XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX I never applied for these loans
Product: Debt collection

My sister in law was contacted by Navient regarding my student loans. She was informed that my student loans were past due. This is illegal and in violation of FDCPA, Section 15 USC 1692c, Section 805b. I have not given permission for Navient to provide information about my debt to a third party. KC is my sister in law ( not my parent, or spouse ).

Navient has continuously called an harassed me also in violation of FDCPA, [ 15 USC 1692d ] 806 ( 5 ).

These are two violations of the FDCPA. 

I seek immediate and swift legal action in accordance with the law and the aforementioned statute.
Product: Mortgage

I refinanced with AmeriSave in XX/XX/XXXX. I went to closing XX/XX/XXXX. My interest rate was locked in at XXXX. Just before closing they changed my interest rate to XXXX without telling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  AKA XXXX XXXX XXXX had a card opened fraudulently in my name. It appears on my credit report. When I contacted them about removing it, they added an additional file with a collections account with National Credit Adjuster. I now have two fraudulent lines on my credit report.
Product: Checking or savings account

we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card for hotel stays and be live resorts and transactions in the united states. I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back. 

I have made several calls to Regions to let them know about the situation, I spoke with at least XXXX agents and I even gave them a local number to reach me for more support, they told me a supervisor will be in contact with me but he/she never did. Instead, they are being rude and not willing to help. I also have a loan with them and now they have caused my loan to be past due for two months due to the fraud that occurred in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$500.00}, {$340.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$340.00} -This is not my account.
Product: Checking or savings account

On XX/XX/2021 I received a deposit for a {$2000.00} Plus a deposit for {$1600.00} that's {$3600.00} I was also in the negative for a claim reversal of XXXX claim of XXXX and the same XXXX as explained for my deposit on top was still subtracted out of my balance once my claim credits hit still subtracting XXXX from that that was also found to be a error on Wells Fargo card so I was credited {$2000.00} + {$1600.00} and I only received XXXX they still took out XXXX when I was supposed to only be XXXX dollars negative meaning that the same cell clean I was in a negative that got reversed cuz they made an error was not returned correctly so my account stayed negative and funds was deposited still deducting the XXXX out of my balance for the same claim that was reversed in my favor so I paid the claim twice and they close my account account number XXXX
Product: Money transfer, virtual currency, or money service

Pnc bank will not permit me to use XXXX
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 : DEPTEDNELNET Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : 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 Account Name : 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: Credit reporting or other personal consumer reports

Please remove hard inquiries because I did not authorize them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also my name, and address is incorrect on my Experian credit report ( XXXX XXXX XXXX ) my address needs to be updated immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please update my name and address immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX CT XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request for Removal of Inaccurate Bankruptcy Information Dear Sir/Madam, I am writing to dispute the inaccurate bankruptcy information that appears on my credit report. Upon review of my credit file, I have identified a bankruptcy entry that is incorrect, and I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and possibly state-specific consumer protection laws. 

The bankruptcy listed on my report appears to be either outdated, erroneously reported, or completely inaccurate based on my records. As you are aware, under the FCRA, information that is inaccurate, incomplete, or unverifiable must be removed from my credit report. Specifically, I am requesting that you investigate the following : Incorrect XXXX  Filing Date : The XXXX  listed may not reflect the correct filing date or may be reporting a case that was XXXX  but is still appearing as XXXX. 
Duplicate or Misreported Information : It is possible that a different individual 's bankruptcy information was mistakenly reported under my name. 
Lack of Documentation or Verification : If the XXXX  claim is not substantiated with proper documentation or is otherwise unverifiable, it should be removed immediately. 
Please consider this letter as a formal dispute and request for investigation under the Fair Credit Reporting Act. According to 15 U.S.C. 1681i ( a ) ( 1 ), you are required to investigate my dispute and resolve it within 30 days of receiving this letter. If the information can not be verified or substantiated, you are legally obligated to delete it from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ). 

Additionally, I request that you provide a copy of any documentation or evidence supporting the bankruptcy entry, including court records, that were used to report this bankruptcy to the credit bureaus. Should you be unable to provide this, the entry must be removed from my credit file immediately. 

If this inaccurate bankruptcy listing is not corrected or removed within the required XXXX period, I will consider filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and the [ State Attorney Generals Office or State-specific regulatory body ], as my rights under both federal and state law are being violated. In some states, consumers are entitled to pursue damages for violations of credit reporting laws, and I am prepared to take all necessary actions to enforce my rights. 

Please respond promptly to confirm receipt of this letter and provide me with an update on the status of your investigation. If further documentation is required, I will be happy to cooperate to resolve this matter. 

I look forward to your timely and favorable response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Upon trying to withdraw {$20.00} from the ATM, for which I need to purchase my husband 's medication, and even though I have overdraft protection, I keep getting denied. I believe that customers should be able to get some money, especially for an emergency. Also, {$35.00} fees are absolutely outrageous. It's no wonder people who are on a fixed income can not get caught up. Wells Fargo refuses to return the fees, overcharges if you can not get to their ATM & representatives do not want to hear any complaints. We have threatened to make the move to another financial institution, yet, even the so called XXXX line doesn't want to help. I've asked to speak to the bank ceo, but am given an excuse.
Product: Checking or savings account

On XX/XX/XXXX, I made a remote deposit to my Chase personal checking account, with a check for {$2800.00} written from my account at XXXX. Chase indicated that there was a hold on the deposit. On XX/XX/XXXX, I called XXXX to get the hold lifted on their end. I then called Chase and spoke to a representative who put me on hold, called XXXX, and then told me that the hold on the deposit had been lifted and the funds would be available for me to use immediately. 

On XX/XX/XXXX, I logged in to my Chase account online and saw that, on XX/XX/XXXX, the check had been returned and a {$12.00} " deposit item returned fee '' had been assessed. I called Chase and spoke first with an agent, and then with the agent 's supervisor, who told me that the check had been returned because according to XXXX there was a hold on the check. I then called XXXX and they told me that there was no hold -- as I had been told on XX/XX/XXXX. 

Neither XXXX nor Chase will refund the {$12.00}. XXXX will not refund the fee because they are not the ones who charged it. Chase will not refund the fee, because they claim to have been acting on information provided by XXXX. That is to say, Chase claims that the check was returned on XX/XX/XXXX because XXXX indicated there was a hold on my XXXX account, even though both XXXX and Chase told me on XX/XX/XXXX that the hold had been lifted, and XXXX confirmed on XX/XX/XXXX that there was no hold.
Product: Payday loan, title loan, or personal loan

I took out a personal loan in XXXX with One Main Financial and agreed to a {$10000.00} loan at 30 % interest. I had made payments on-time as agreed. This year due to COVID-19, I was furloughed in my role at my job and had my monthly compensation cut by over 40 %. I reached out to One Main Financial to try to modify the loan and have the interest rate cut to reduce my monthly payment amount as I have been struggling to get by this year. I did reach out to all my other creditors and they worked with me to reduce interest rates down to 6 % to 8 % in many cases. 

One Main Financial would not adjust my interest rate at all. Instead they offered to reduce my payment in half for 2 months with no reduction in interest rate that only offered very little short term benefit. They also wouldn't perform any modification as I had to provide my tax return to prove the reduction in income in XXXX as I am self employed. The problem is that I do not file my XXXX taxes until XX/XX/XXXX as I am self employed but I needed help now and One Main Financial would not offer any assistance to me. I have been a customer of One Main Financial for many years and I would have liked to have seen them work with their customers in a larger way in a significant time of need in a pandemic. 

It took me a while but I was able to borrow money from my family to pay off this loan now since One Main Financial is not interested in working with customers in distress and would rather take advantage of customers struggling by not working out a loan modification as the rest of the industry did to help customers in need.
Product: Bank account or service

HSBC randomly decide to close account with no notice and no reasons
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In the final letter on XX/XX/XXXX I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. I have also requested information from the furnisher on several occasions and my requests have been ignored. This is unacceptable. If these Items aren't removed immediately I will file a suit against the bureau. 


Creditor : Bankruptcy, Account : XXXX Reason : I have a certified letter from court stating they do not verify any accounts I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately.
Product: Credit reporting or other personal consumer reports

I notice XXXX XXXX XXXX XXXX  on my Experian credit file reporting illegally because this company failed to send me notice ABSOLUTELY NOTHING and that is a violation of LAW. 
I am not liable for this debt snd I never had a contract with this company. 
Delete this account innediately or I will seek legal representation.
Product: Debt collection

I have no agreement nor account with waypoint resource group llc.Ive previously requested validation of the debt they claim I owe, to which they have failed to perform. They continue to communicate with non- affiliated third parties that I owe a debt to them Ive never given written or verbal permission to report and or communicate any information to anyone .Ive previously sent a Cease & Desist communication on all medium including to non- affiliated third that they continue to communicate with. They are adversely affecting my ability to care for my family due to these violations of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out my XXXX round of disputes and they still have yet to remove or respond any Information back. I have also spotted many inaccuracies and FCRA violations which is affecting the banking system and I am reaching out to the CFPB as an agent top remove this fraud information from my report.
Product: Payday loan

I applied for a payday loan with cash central on XXXX/XXXX/2016 total amount XXXX they ran the principal & finance amount payment through on XXXX, by XXXX or XXXX, I did get have majority of the loan paid down to XXXX. The representative then called me at work when I told them specifically not to because I ca n't take personal phone calls at work. I then called them back to tell them they could use my debit card to take out the XXXX on XXXX I think, but as most things happen the card would allow it, due to other items coming through. They then called me again at work and the lady I spoke with told me that they will continue to send the payment through and this will cause an issue for me because your bank will continue to charge you fees. I told her not to do that because it 's going to cause other bills not to pay but I will get them paid. I then logged into my cash central account online on XXXX and put in for them to take out XXXX on XXXX which they did, and now the account is down to XXXX. I then logged in again and put in for them to take out another XXXX on my next pay day XXXX, and then I was going to go back in after that and have them take the remainder on my next pay day XXXX, but as of yesterday XXXX they sent XXXX through ( which is half of the XXXX ) which caused my bank to charge me another XXXX fee and my account is continuing to be negative. I do n't know what to do. I know they are going to call me again..
Product: Debt collection

I Sent 4 requests for a signed copy of contract along with a request for accounting based on XXXX XXXX accounting practices. 
I have received neither. There is no debt and Capital One failed to prove a debt exists. I have an unrebutted affidavit of XXXX balance. 
My credit has been affected and they keep ignoring me and have filed a lawsuit. I ask for Capital One to comply with the Law and take this off my credit report
Product: Debt collection

I closed or cancelled my account for phone service paid in full at the time. I then switch cell providers. They ( XXXX XXXX closed 2 lines leaving a third line opened. Several months went by and I get a bill for 7 months of service. I contacted customer service with my issues to resolve amicably but to know avail. They continued to charge me for service I did not use. This is felonious in nature and should immediately be removed. I did not notice nor was notified of collection until I started looking for a house. This is keeping me from getting a mortgage loan.
Product: Credit reporting

My name is XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. We reviewed our credit report online. I noticed that my XXXX 2014 Mortgage payment is being reported late. The payment was made on time and I have attached the documents to support this payment. Please feel free to contact me if you have any questions or need additional information. 
Thank you