23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had chose capital one recently because I am a average person trying to rebuild my credit after receiving multiple offers on how their secured credit could help me rebuild my credit. And it did over the past few months few months have gone by and capital one offered for me to apply for a non secured credit card I was excited my credit score had gone up yet again I was making purchases and making my payments in full right away. Then the worse happened they would take payment in full for my credit card balances due and sometimes it would take days if not over a week for my credit card balance to take affect and my credit card available spending limit to update even tho theyd take my payment from my checking account instantly then Id call them and complain about how waiting a week for them to post my payment isnt fair. They didnt like that because they closed both my accounts with no notice and ruined my credit scores! I want my accounts restored and my credit score fixed this unfair and deceptively wrong to target a average man trying to rebuild his credit score and give false hopes.
Product: Credit reporting or other personal consumer reports

My report is containing information that is supposed to be excluded from my credit report. I have already reached out to Experian more than once and I am being ignored about these consumer violations.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX, nor did I grant them permission to utilize my name or social security number. They are illegally reporting late and collections on my credit report and should be held liable for damages. See : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2014 XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Mortgage

The mortgage company Mr Cooper is saying our loan is in default and in pre-foreclosure. We have been trying to resolve problems with our property taxes and escrow analysis since our loan was transferred to Mr Cooper from XXXX in XX/XX/XXXX. For the first year Mr Cooper held our mortgage, they did not pay our property tax bills. In XX/XX/XXXX, they paid the past due taxes of {$2600.00}, and conducted an escrow analysis using {$3700.00} as our annual tax bill. Our actual property tax for XXXX is {$1600.00}. Our monthly payment ballooned from {$1700.00} to {$2200.00}. We contacted them immediately and informed them we would be paying principal and interest amounts only until the escrow calculation was corrected. Because of how they apply payments, they consider our mortgage past due {$3100.00} since XX/XX/XXXX. Every phone number we have found for them goes to their general customer service reps who have no power to do anything, they take notes and say someone will get back to us. Someone named XXXX XXXX XXXX is supposedly our " mortgage specialist '' but we have no way to contact them. The only calls we receive are about collecting money they think we owe them, so then we need to explain the issue all over again with no resolution. Instead, we have received 4 letters about foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a new Complaint on U S Bank Mortgage. I never received XXXX-mortgage interest statements from U S Bank mortgage from XX/XX/XXXX - XX/XX/XXXX. These statements was reported to IRS, yet I never received copies to file my taxes. Since payments was made to U S Bank from my checking account with XXXX XXXX XXXX I have the right to receive these statements. The account number with XXXX XXXX XXXX was XXXX/XXXX.
US Bank never mentioned the {$100000.00} transferred to them from XXXX XXXX  on XX/XX/XXXX. I received a settlement from a XXXX XXXX law sue. Whom ever have my drivers license & social security card made this transaction. U S Bank Mortgage did n't inform me of the many payments made to them from XXXX XXXX XXXX & XXXX XXXX. It was a series of mortgage payments, with a series of account numbers. The was an account for US Bank mortgage paid on XX/XX/XXXX. The account number is XXXX in the amount of {$1000.00}. U S Bank mortgage have mortgages that was being paid, using my accounts. A large amount was transferred to them. If it was n't the XXXX Family. It was XXXX XXXX, she was a XXXX before she got married. My youngest child is being used also, because he have a XXXX XXXX & he 's a XXXX XXXX. His name is XXXX XXXX XXXX/ his social security number is XXXX.
Product: Checking or savings account

I contacted chase bank XX/XX/2019 and they still have been holding my {$1000.00} cashiers check for over 3 weeks and will not release my funds to me and they have closed my account. My account was closed due to no reason and it was a business account. I need my {$1000.00} returned to me ASAP.
Product: Credit reporting or other personal consumer reports

Prior cfpb investigation number related to XXXX matter XXXX XXXX XXXX XXXX XXXX investigation which was first initial complaint Which was submitted XXXX. In my previous complaint I requested that the following be removed from my credit profile I also requested closed accounts to be removed from my credit report which has not been completed on your end. 

Account name : XXXX XXXX XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX These accounts are showing late payments which is actually illegal. i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explaining to you that I was never late on any payments.. EVen after a CFPB complaint you have refused to correct my credit report. 

The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time period of the first Initial complaint. Your Investigation you stated that you completed In complaint # XXXX did not fix the errors on mycredit report and it is hurting my financial health And I will be seeking professional representation the small claims court if the matter is not solved today Your willful non compliance is noted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with Experian, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX & Experian did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through you and by phone they refuse to fix errors from XXXXXXXX XXXX they List XXXX XXXX as the company then add a different Company XXXX XXXX  XXXX as the original account the two are not even nor have they ever been associated with each other. I have been submitting proof of this for over 2 years yet they leave it on my report how can they say they verified something to be correct when it is not last complaint the removed the collection then added back with the same info this has been going on since XXXX and there is the fact that the State Statutes for both accounts have expired over 2.5 years ago
Product: Checking or savings account

XX/XX/XXXX, I checked my account because I was awaiting a transfer from one of my other accounts for some funds to pay for Divorce ( which I was saving ). When I checked my account, I saw that there was a charge for XXXX so I called the bank and they said that it was for a credit and that I would have to call back at XXXX XXXX. I did and they said that it was for a line of credit ( XXXX ) I had in in XX/XX/2018 so they took the funds as a payment because I did not make a payment since XX/XX/2018, they were unable to reverse the charge. So, I called back and spoke to another agent, and she said when you owe the bank money you owe the bank money and they I had to pay. She said it's either I settle, or I get on a payment plan either way I am not getting back the money. I told them I wanted to close the account they said that I had to wait until all of the charges was no longer pending then I could close the account. Later that someone contacted me and offered a particular refund which I would have to pay back as well and I said no, but the lack of humanity from this person and to empty my account, for a charge that is XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting or other personal consumer reports

I tried to dispute accounts thats not mine for the past 6 months thats not mines but refused to investigate and get removed. It keeps coming back verified. My score been tanking over the years.
Product: Checking or savings account

I have Wells Fargo everyday checking account ending in XXXX. I reached out to Wells Fargo by phone and also sent them email to close this account almost 3+ weeks back. But it seems Wells Fargo didn't close the account for unknown reasons. On top of that Wells Fargo charged me {$10.00} fees for no good reasons.
Product: Payday loan, title loan, or personal loan

Since having the loan for {$2200.00} I have paid over XXXX dollars in payments off XXXX by weekly since XXXX and my balance has only dropped {$400.00}. I don't get assistance or responses from emails.
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 lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Debt collection

Do to the data breach and my information being compromised showing inaccurate information. According to the FCRA Section 605b, Its illegal to report information to my credit report without my permission. Please remove this item from my credit report. Thank you
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of said reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, has violated my rights. 

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

! 5 U.S.S 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Upon reviewing my latest credit report, I discovered multiple unauthorized accounts that seem inaccurate. I request immediate removal of these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing XXXX XXXX XXXX account from over 8 years ago on credit report showing I owe a balance
Product: Credit reporting, credit repair services, or other personal consumer reports

please stop reporting fraudulent information on my credit. XXXX is reporting an account that I never opened nor authorized anyone to open on my behalf. I have no knowledge of what this account is and I am requesting the immediate removal of this taccount from my credit. Please see attached the Identity Theft report and my Driver License.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I noticed a discrepancy on my EQUIFAX CREDIT REPORT. I called XXXX XXXX, and explained the discrepancy The report showed an incorrect posting on my XXXX XXXX  ACCT ENDING IN XXXX, instead of XXXX XXXX  it is reporting the CREDITOR as XXXX XXXX. I DISPUTED the discrepancy ( confirmation # XXXX ) on XX/XX/year>. Called and spoke with Customer Service they told me to contact their Credit Bureau Dispute and scheduled a phone meeting, have not heard from them, so I signed up for XXXX XXXX ON FRIDAY XX/XX/year>. After I disputed the discrepancy I received a notification from XXXX, regarding TRUE NAME FRAUD, ID ALERT # XXXX, also filed a fraud alert on my EQUIFAX CREDIT REPORT. AS OF TODAY XX/XX/year>. I have not received a response from XXXX XXXX  to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken every necessary step to ensure that the credit bureau ( Experian, XXXX, XXXX ) updates my personal information, yet they have not done so. Not only have I asked them multiple times, I have also followed up with them and provided them with the relevant information. Despite this, they have still failed to make the changes. It is deeply concerning that they have neglected to comply with the FCRA.
Product: Credit card

I have fallen victim to a scam of an online gaming/casino site. My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charges in the amount of {$4000.00}, but am unable to get my money back due to Chase Bank not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Chase Bank, explaining what happened. I have not yet paid any of the charges due to me still disputing the charges with them. Chase Bank has told me they are reporting it to the credit reporting bureaus and it will/already has hurt my credit score. I am not satisfied with the results of the disputes made with Chase Bank. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX ( XXXX XXXX XXXX ) was in fact an illegal scam site, designed to lure people like me and steal their money. There was no effort to figure out what exactly happened to me either, for example, the merchant locked my account and stole the money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Chase Bank has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and not providing what is advertised. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : AGA and State regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX, I missed a call from Credit Solutions Corp and I was curious as per who was calling me as caller ID flagged as suspected spam. Naturally, I called back to find out who was calling me. The agent told me that he was calling in regards to an XXXX account in collections. I was confused, I told him that I already paid the debt off over two years ago. The agent was very certain that I owed this debt to his company. After I explained a couple times that I already paid the original creditor of the account in full the amount in question. He was very adamant about me paying another company did not resolve this debt. I told him that I resolved the debt with the original creditor. He told me that it was not his companies responsibility to communicate with the original creditors and status of the account. That even though I had paid and resolved the debt over 2 years ago, I am still getting harassment from collectors saying that I still owe them. After being talked down to the point where the agent said I don't think you know what you are saying. I called the XXXX  to see why I am still gettting debt collections calls on a matter that was already resolved. They looked into it and confirmed the balance was resolved back in XX/XX/XXXX. On XX/XX/XXXX, I called back and they verified that the balance was in fact not owed, and the agent didn't apologize for contacting me when there was absolutely no need.
Product: Credit card or prepaid card

Back in XXXX I placed a preorder for an item with XXXX company on my XXXX Between that time and when the payment was to be processed ( XXXX ) I had to get a new card due to someone getting a hold of it and starting to make false charges. Due to this I had a differing card number than back when I made the preorder. The XXXX company pushed the charge through from the old XXXX card to the new XXXX card. 

This preorder went through on XXXX for XXXX on my Synovus personal XXXX However, later in the week I cancelled this order with goodsmile company. They refunded that amount to the old XXXX number and not the new one. Upon contacting that company several times they suggested I contact the XXXX company. 

I've contacted the XXXX company now three times about this issue. Each time I'm told they 'find ' the refund and that they'll move the refund to my current account. That this issue would take 7-10 business days. Each time the 10 business days pass no refund to the charge appears. I call again and get the same runaround on how they 'found ' the refund and that it'll be another 7-10 business days to " process '' this credit to my current XXXX. This how now not happened twice and the third person is giving me the same song and dance. At this point the XXXX company will now be collecting interest on a charge that should not be listed or on my account without the corresponding refund.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union for multiple overdraft fees Ive incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the latency of my charges and credits being posted. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite the initial availability of funds. I believe these transactions are unfair and request an investigation into my account transactions.
Product: Debt collection

I sent some documents for them to review, I havent gotten a response.