23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX XXXX sent me a notice that they reviewed my loan balance to " ensure accuracy '' and determined that my loan balance was to increase {$14000.00}. I had to calculate the increase to the principal myself, as it wasn't included on the notice. I called XXXX on XX/XX/XXXX to request documentation to explain the logic of the increase and prove that the amount was correct. I was told by XXXX ( Employee # XXXX ) that he could explain the increase to me but could not provide any documentation. He explained that XXXX made an error and did not correctly capitalize the interest to my loan while it was in forbearance, prior to them processing the paperwork for my an income-based repayment plan. ( I filed an complaint w/ CFPB about IBR and the time it took them to process that paperwork -- complaint # XXXX ). It's unclear to me how a servicer is allowed to add to the principal of a loan without providing documentation. 

I've attached a copy of the XX/XX/XXXX notice from XXXX as well as a copy of my XX/XX/XXXX IBR approval, which lists the amount of both my federal loans.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Capital One banking checkings and savings accounts. I closed my other bank accounts because from advertising it says there's no fees ever and when I looked on my email and I asked where can I deposit cash there was tons of locations in my area that were pulled up and so I believed that I couldn't deposit cash that I could deposit but I can not deposit cash anywhere but Walmart and they charge {$3.00} and you can only deposit {$500.00} at a time which doesn't even cover payments to my credit cards I have with Capital One I can not pay my Capital One account of my credit cards without a fee of {$3.00} for each one. I called to get help and the customer service person directed me again to multiple locations near me that I could deposit cash into my Capital One account for free I went to said locations and was not even given any information there was absolutely no way that I could deposit money and once again nothing after spending money on gas and having to leave my home being as it I am dealing with XXXX XXXX  which is extremely difficult for me to leave my home because I'm XXXX  etc I am not able to afford depositing money at {$3.00} a time I am not able to afford only being able to deposit XXXX at a time and having to pay each one of my cards with a charge I've read the entire terms and conditions and not one place says that you will be charged to deposit money into your bank account. It says on it that you can deposit money orders post some money orders but you can not do that on your online account it says you can deposit money into cash into bank account ATMs for your bank account it says that there are no fees for anything when you open a bank with Capital One and savings account. I have reached out to multiple customer service I have reached out on XXXX I have done everything I can. The second time I called the lady was rude to me she had no patience she told me there was absolutely no where I could deposit cash and once I went on line again on XXXX it says that it only would take me to the capital one place and then it wouldn't even load any location at this point then I go back into my online account I go to XXXX and asked where can I deposit cash and it pulled up multiple places that I am supposed to be able to deposit cash so I have no idea what's going on I'm late on multiple credit card payments I have no way to deposit all this money that I have I have all this cash that I can't deposit and now that I close my other bank accounts I have to leave my house and go find a place to think all because I trusted Capital One because of their fault advertisement they haven't done anything to make this right they've treated me like I mean nothing they've done nothing to contact me to help me figure this out at all I have called them out for all these things I sent pictures and nothing nothing at all nobody cares nothing
Product: Credit reporting or other personal consumer reports

The following items are inaccurate and or incomplete. Please verify each account. Once investigation is completed please remove/delete all accounts not reporting XXXX. 

XXXX. XXXX XXXX XXXX. Account terms inaccuarate. Balance inaccurate, payment history incorrect XXXX. XXXX XXXX XXXX terms inaccuarate, payment history incorrect, balance incorrect XXXX XXXX account terms incorrect XXXX Account is closed but shows active payment history XX/XX/XXXXaccount number XXXX account terms inaccaurate. payment history incorrect and missing XXXX account number XXXX account information incomplete and incorrect and missing
Product: Payday loan, title loan, or personal loan

The XXXX on this loan is very high, which makes it nearly impossible to payoff the loan. The XXXX is nearly 65 % I am also called several times even if the past due amount is only {$10.00}
Product: Credit card or prepaid card

On XX/XX/2020, XXXX XXXX/XXXX incorrectly reported a past due balance of {$100.00}. The remaining balance of {$37.00} on account in question was paid off on XX/XX/2020. I requested this discrepancy be corrected, but have not received any further assistance with it.
Product: Credit reporting or other personal consumer reports

I noticed that an inquiry with XXXX XXXX XXXX XXXX with the date of XX/XX/XXXX is scheduled to be removed on XX/XX/XXXX. I am inquiring as to if you would be willing to process this as an Early Exclusion and remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely 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, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$500.00} Chapter XXXX Bankruptcy Date XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card or prepaid card

We had a trip scheduled for my daughter who was graduating to go to XXXX and XXXX. She unexpectedly had to have XXXX and was admitted to XXXXXXXX XXXX XXXX for the XXXX and released the following night with a statement indicating that she could not return to school for a week, couldn't perform any XXXX XXXX for 2 weeks and then was under travel restrictions for 3 weeks. 

Our airline and hotel providers all used the documentation to promptly credit us for the trip cancellation. We have been going round and round with the Card Benefit Services organization XXXX XXXX XXXX XXXX, VA XXXX XXXX since opening the claim on XX/XX/2019. All we have filed is for {$350.00} for 3 one-way train tickets from XXXX to XXXX that we could not get waived. They are sharing they need the actual prognosis of exactly what was wrong with my daughter which feels like an invasion of personal medical records and that know that she was hospitalized and put on restrictions for weeks across the actual day we were to travel is not enough. 

I am asserting this is a deceptive and misleading practice where a benefit is being advertised as part of our Chase Visa Sapphire Reserve card that is never really meant to be used as the service provider Card Benefit Services makes it so burdensome to use that it forces customers to give up.
Product: Credit reporting or other personal consumer reports

Below is a least of acounts that where open fraudulantly on various Dates. Several credit cards I have never recieved used or signed for. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello I had lost my phone while grocery shopping and I have a phone Wallet so my id and card were there. They ended up using my card and all my information was in my phone so they had access to my pin. I reported it and they are saying that since the pin was used they closed the claim and took the money out my account. I am really worried and dont know what I can do
Product: Checking or savings account

I had wired money XXXX from myself account of XXXX XXXX XXXX to myself account in Chase checking ( XXXX ), but it is rejected because Chase think that it is suspicious and fraud as attached. XXXX XXXX XXXX  has contacted Chase for many times, but the wiring still rejected and return back. I had went to Chase XXXX XXXX fo

r three times. I had made an appointment with XXXX XXXX XXXX XXXX, on XX/XX/scrub>XXXX XXXX, 2024, but she was not there without early notice and apologize to me, and no results.

I made an appointment with XXXXXXXX XXXX XXXX XXXX on XX/XX/year>2024 again, but she didnot supply any service to me. XXXX XXXX XXXX refused any service from this branch to me. I had filed complaints to Chase, but no any results.

Chase closed my checking, saving account, and credit card, the emails showed that it is " To help protect against fraud, we restricted and may need to close your account soon '', but I received the mail from Chase that it is " inappropriate conduct with our employees ''.

I am confused about different reasons, and the behavior of Chase branch employees are very bad.

Currently, my checking saving account and credit card were closed by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer has attempted to reach out to BANK OF AMERICA to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either BANK OF AMERICA or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw that there are inaccurate accounts on my credit report, dragging my score down. Its frustrating to think about how many opportunities I might have missed because of this. I never authorized these accounts, and they shouldnt be there.
Product: Credit reporting or other personal consumer reports

Keeps reporting when item was charged off which means that it is a certificate of indebtedness and is now income and income can not be reported to your credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my XXXX, XXXX and Equifax report. I have sent them a letter stating these inquiries were not authorize by me and to please have them removed. They have yet to remove the unauthorized inquiries. I totally understand under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX  XXXX of my closest friend and lawyer posted on XXXX a few things she was trying to sell for her uncle who was moving to a XXXX home, so I wanted to reserve a few stuff so I send {$2000.00} to her " XXXX '' account, within XXXX minutes after my transfer my friend call me and other friends to let us know that her XXXX account got hacked ( I have screenshots of everything ) after XXXX minutes from my transfer a got in touch to the Citi bank fraud phone who got me on the phone for around XXXX hrs. ( XXXX different calls because they hung up me and they kept trying to transfer with different departments and since it was night time they have people from different countries answering the phone and most of them couldn't understand the help I needed. I have all the calls on my phone ) Finally the open a case under my name, block my account but never tried to reverse the payment. Next day XX/XX/XXXX I go to a Citi bank in person and ask to talk to a XXXX, who wasn't there for that week, so other person at the front desk help me to see if my case was open and told me I'll have to wait for XXXX business day until the resolution. XX/XX/XXXX I start to ask for updates about the case but nothing yet until XX/XX/XXXX when they give me a {$2000.00} credit until the investigation was close. A few days after they close the investigation with no notification ( every time I wanted to know anything I was the XXXX trying to contact them ) and took off the {$2000.00} credit since they denied the case.
Product: Mortgage

I applied for a loan modification with my lender Bayview. I have since then have been approved for a loan modification. I have made my trial payments on time and have followed all of their instructions. I was sent my final loan modification documents on XXXX XXXX. Since then I have signed and sent the notarized documents back to the lender THREE times, keeping in mind to send it with the return envelope THEY provided for the return. I was recently sent a 3rd packet exactly the same as the previous XXXX to be signed again. I spoke to the lender and the representative told me it was normal for that to happen and to resign and send back. I did just that. Now today I followed up with the lender to confirm they received the fed ex and was informed that my loan modification was in the processes of being denied for failure to return the signed agreement on time. Which is ridiculous since I did so THREE TIMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explanation of item being disputed : XXXX XXXX XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX has listed that I am Derogatory as of XX/XX/XXXX on XXXX  YET XXXX  and Transunion both show paid and current but have different close dates and years, as seen above. XXXX XXXX also failed to delete this file from my repost as agreed upon in XXXX. Being that this information provided by XXXX XXXX is inaccurate I want to request that this file be deleted for my report.
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. 

and list of Inquiries. 

XXXX XXXX XXXX 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

Per my records and communication, the payments for XX/XX/XXXX and XX/XX/XXXX was extended to XX/XX/XXXX and XX/XX/XXXX. The company has reported them as late payments. A payment was submitted XX/XX/XXXX and XX/XX/XXXX. The company reported the late payment as 90 days late and then charge off the account without further communication. The account was settled on XX/XX/XXXX for XXXX with would make the written off balance XXXX. The company has reported still reported the written off balance as XXXX which is incorrect. The bureaus refuse to change even valid the evidence. This has a significant impact on my creditworthiness
Product: Mortgage

A former lender of my mortgage transferred the mortgage without releasing the title and is holding up the who process of getting a much lower interest rate. I have contacted them and the only method is to submit a fax to there research department. This is not right all the fees we pay during our mortgage and this is what we get. I could potentially loose my lock because of there mistake. Can I file suit for the difference in interest rates. Ocwen offers little help to fix there mistakes and they should be penalized for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft ... .see ftc report attached
Product: Credit card

I have 2 0 % promotional balance transfers that are 0 % until XX/XX/year>. So those balances should not have any interest charged. I have also been continuing to use the card for regular monthly purchases, like I always have. Every month I have paid the amount for the purchases for that month in full, to avoid interest on those new charges. However every month I have been charged interest. I called to ask the situation and the representative told me she did not know why interest was charged since I had paid the amount to cover the purchases that month, so she removed the interest charges. The same thing happened the next month, so I called again to find out why I was being charged interest when I had paid the new purchases in full and only had the promotional balance which was still 0 %. This time the rep told me that the payment was not applied fully to the new purchases and some of it was applied to the promotional balance. So I asked how I can avoid that happening in future. She advised I had to pay the new purchases in full XXXX the minimum balance, to avoid interest charges. She also removed the current interest charges because I had been told incorrectly the previous time I called. So I made the payment for the new purchases XXXX the minimum payment. The next bill I was charged interest again. So I called a third time to see why interest was charged. Again, they told me I should not have been charged interest and they would remove the charge but they also escalated my question of why I was being charged interest to have my account reviewed to prevent future issues. They reviewed my account and sent me a resolution letter. The resolution letter did not explain why I was being charged interest. So I called back because I was charged interest again on my newest bill. This time I talked with a regular customer service representative, then they kept escalating the call to several different people because no one could explain why I was being charged interest on the account. I was on the phone an hour and XXXX minutes talked to XXXX different people, then they hung up on me because they couldn't tell me why I was still being charged interest when I was paying the new purchases in full every month. So i am still being charged interest and have no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )