23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I identified errors in my personal information that need correction. I am requesting the removal of any incorrect addresses that do not reflect my current address. Additionally, my accurate employer is XXXX XXXX XXXX XXXX, and I request the update of any inaccurate employer details on my credit report. These inaccuracies can misrepresent my credit profile, potentially causing difficulties in obtaining credit, delays in financial transactions, and unnecessary confusion. Moreover, such errors contribute to stress and XXXX, impacting both my financial and overall well-being. Ensuring accurate reporting is crucial to protecting my credit status and preventing undue disadvantages from errors beyond my control.
Product: Mortgage

I have an Easy 5 year mortgage from Capital One 360. I have paid all but just under {$4000.00} on it. I have been making payments online for 5 years, and the loan is due by XXXX XXXX, 2015, as it has a balloon. I went online today, Thursday, XXXX XXXX, 2015, to pay off the loan, but for some reason, Capital One is not allowing me to pay the loan off. They are forcing me to make payments by certified check or wire transfer. Even if I wanted to may the small biweekly payment, which is around {$80.00} bucks, it wo n't allow it. I spoke to XXXX employees, who stated, " The loan has matured, you ca n't make any payments. '' This loan is not even due for over a month, and I have a biweekly payment that ca n't be made because of this nonsense. I have never been late on a payment before, and they are using their power to force me to make expensive payments, when there is no reason why I should not be able to make a payment online. I repeat, this loan is not due until XXXX XXXX, 2015!
Product: Debt collection

The previous reply from XXXX ( XX/XX/XXXXXXXX  ) via CFPB Case # : XXXX states : The Account originated on XX/XX/XXXX with Navy Federal Credit Union XXXX The Account charged off on XX/XX/XXXX with a balance of {$5200.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$5200.00}. 

Yet in the Court complaint states : 8. Upon information and belief, the statute of limitations for the cause of action asserted herein is 3 years and therefore has not expired. 
12. The last payment to the Account was on or about XX/XX/XXXXXXXX  in t h e amount of {$5.00}. 

XXXX still hasn't responded to my debt validation request or provided : 1 ) The original, executed credit agreement and all amendments. 
2 ) All documents related to proof of mailing of statements. 
3 ) All information and documents relating to compliance with XXXX. XXXX. Code XXXX, XXXX XXXX. 
4 ) All documents related to reporting made to any consumer reporting agencies. 
5 ) All documents relating to any dispute concerning the validity of the alleged debt. 
6 ) All documents relating to cancellation or termination of the agreement. 
7 ) All information and documents relating to acquisition of the alleged debt, including, without limitation, executed copies of all assignments/transfers I would like answers to the above before pursuing legal action against XXXX & its attorneys for lying in court proceedings and all costs/damages related to this lawsuit.
Product: Mortgage

PROBLEM WITH TDBANK, I own a home valued at XXXX,, wanted to refinance at lower rate and only XXXX,, quoted 2.75 percent and XXXX points,,, started process XX/XX/XXXX,, everything faxed and refaxed multiple times,, no one reported for a period of time what was missing, then when they requested materia it was sent and resent. spoke to superiors multiple times,, closing was suppose to be XXXX XXXX,, on XX/XX/XXXX they extended closing to XX/XX/XXXX and raised the points to XXXX,,, the closing delay was their issue and only there issues.. trying or last 48 hours to go back to XXXX points but no response.. looks like they will wait to XX/XX/XXXX and raise the points again.. worse part is my personal and business account is with TD BANK,,, they are poor to respond and report what is missing and then appear to misplace it,,, i dont know what else to do, i have spoken to anyone reachable at TD BANK without any satisfaction. please help
Product: Checking or savings account

I have been a customer of Navy Federal Bank for several months now. I have been attempting to build my relationship with them by opening different products they offer. I now have a checkings, savings, and cashRewards credit card with them. I've made several large deposits since account openings and planned to set up direct deposit, open a pledge loan, and consider them for a mortgage and vehicle loan to further the relationship. However, this desire has come to an end now that I have witnessed twice Navy Federal not abiding by the account contract regarding " zero  fraud liability ''. 

Problem : There were two instances reported thoroughly to Navy Federal by me notating a total of 3 transactions I did not authorize. The first instance involved 2 transactions back to back for a total of {$690.00} during a time I was in the hospital over 50 miles away from the location the purchases happened. I reported these transactions to the bank and IN LESS THAN 24 HOURS, a decision was made that " no billing error occurred ''. THERE IS ABSOLUTELY NO WAY A THOROUGH INVESTIGATION OCCURRED IN LESS THAN 24 HOURS. The merchant couldn't have even been contacted in this amount of time. This frustrated and inconvenienced me considering I had to go through an appeal process to dispute the charges again so to keep the relationship alive, I decided to continue building a relationship with the company despite not following their contract. This then happened once again for a purchase made of {$960.00}. Again, in less than 24 hours of reporting the charges to Navy Federal, they responded with a final decision that no billing error occurred. I have now been held responsible for all of these transactions, my account has gone negative because of it, and I feel completely discriminated against based on my zip code and no adequate time allotted for a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  CC Ending in XXXX In XX/XX/2020 I called XXXX XXXX  Credit card and told them I had the XXXX. They stated to me it was no problem, that my payments would not be marked late. When I went back to work the end of XXXX I called XXXX XXXX  on XX/XX/2020 and paid the account in full. On XX/XX/2020 XXXX closed the account and put it in " charged off '' off status on my credit report after paid in full. The late payments during the virus months and the charge off after payment in full has severely damage my credit. XXXX XXXX  refuses to fix. This is unacceptable that a credit card company not only mireported late payments and a charge off and refuses to correct the tradeline on my reports!
Product: Credit card

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  : -XXXX XXXX XXXX Inquiry Date XX/XX/XXXX -XXXX XXXX- Inquiry Date XX/XX/XXXX -XXXX XXXX XXXX XXXX- Inquiry Date XX/XX/XXXX XXXX XXXX XXXX- Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX- Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX- Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX- Inquiry Date XX/XX/XXXX 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 an 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

I am writing to dispute the accuracy of the reporting on the above-referenced account, appearing on my credit report. This dispute is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related consumer protection laws. Additionally, I am referencing a XXXX XXXX of XXXX form issued after the initial investigation of this account, which indicates that this debt has been canceled and is no longer valid for collection or reporting. 
Disputed Items and Concerns Charge-Off and Balance Reporting : Your records reflect that the account was charged off with a balance of {$XXXX}. However, the issuance of the XXXX form confirms that the debt was forgiven or canceled, which should nullify any continued balance reporting or collection activity. Reporting the debt as " charged off '' after a XXXX is issued conflicts with IRS guidelines and the FCRA 's accuracy requirements. 
Inconsistent Payment History : The payment history includes a sequence of missed payments and delinquency status for several months in XXXX and XXXX. These entries contradict the cancellation of the debt and need to be corrected to accurately reflect the status of the account after the issuance of the XXXX. 
XXXX XXXX : The account is listed as remaining on the record until XX/XX/XXXX, even though the issuance of the XXXX should lead to an update or removal of the derogatory marks, as the debt is no longer valid or collectible. 
Requested Actions Pursuant to the FCRA and the protections it affords me as a consumer, I am requesting the following : Validation of Debt and Reporting : Provide all supporting documentation, including the original agreement, proof of ownership, chain of assignment, and evidence of the current validity of the debt. 
Amendment of Credit Reporting : Remove all derogatory remarks and update the account status to reflect the issuance of the XXXX, ensuring compliance with both FCRA requirements and IRS guidelines XXXX 
Confirmation of Compliance : Provide a written response confirming that the inaccuracies have been corrected or that the account has been removed from my credit file. 
XXXX XXXX As a data furnisher, XXXX is XXXX under the FCRA to ensure the accuracy and integrity of all reported information. Additionally, under IRS rules, the issuance of a XXXX form legally indicates that the creditor has canceled or XXXX the debt, barring further reporting as collectible. Continued inaccurate reporting may constitute willful non-compliance with federal laws.
Product: Credit card

XXXX. XXXX I received a call for a late payment on a credit Card opened In XX/XX/XXXX, this was not my card. I have never used it or made a payment on it. It was used by my Daughter. I ask for all copies of their papers and they DId n't send anything. I fill ed out their fraud papers And they removed it from my credit reports. after a Few months they put it back. and stopped calling. 
Until XX/XX/XXXX when the payment s stopped I am retired and live on my social security.please Help. 


. 














. 
.
Product: Credit card or prepaid card

On or about XX/XX/2020, I applied for an Amazon store card at Synchrony Bank. I was told by Amazon that I needed to do this to qualify for the {$100.00} store card as a promotion related to purchasing a new cell phone. There was no response and I made many telephone calls many of which were " dead-ends ), having to process through a menu. The menus always asked for an account number which, of course, I did not yet have. I finally reached someone who was no help ( he also asked for the non-existent account number. I realized that they may be having a problem assessing my ( perfect ) credit since I had frozen my credit bureau accounts. I immediately unfroze the account and still could get nowhere with the bank menu, or agents. They told me a different department would let me know the results of my application. I never heard from anyone. I re-applied and unfroze my account again. Again, no one would confirm why I was not approved. This remains the state of affairs. I will unfreeze again if they just advise me that they will review my credit and approve ( or reject ) my credit. I have never been turned down for credit! Amazon was totally of no help here, as well.
Product: Credit reporting or other personal consumer reports

In according to federal law act this company Discover bank, has violated my rigths under According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

My Detail first : Name : XXXX XXXX ( First / Last name ) Address : XXXX XXXX XXXX, XXXX, NJ XXXX Phone # XXXX email address : XXXX Complain Description : I Initiated international wire transfer from Chase Bank of amount USD XXXX on XX/XX/XXXX to the recipient located in XXXX ( XXXX ). I was charged {$50.00} as transaction fee by Chase bank for the international wire transfer. However, on XX/XX/XXXX, my XX/XX/XXXX, funds of USD XXXX ( {$75.00} less ) were returned back to my checkin account with chase bank. I called chase bank and I was told by rep that funds were returned as there was no IBAN ( routing ) number provided. Chase bank returned back {$50.00} transaction fees, however, the {$75.00} were charged by XXXX bank were not returned. Chase bank rep says that the amount was charged by XXXX, so they should return it. But when I call XXXX they say it is the initiating banks responsibility to provide all the details and they should refund the amount. 

When I initiated transfer with Chase bank, I provided all the required information ( name of recipient, swift code, bank account number ). I was NOT asked for IBAN number, so how would I provide the number. 

Both banks are not agreeing whose fault it is. At the end, I am suffering {$75.00} for their disagreements. 

I am attaching wire transfer receipts and also screenshot from my bank account with removed unrelated information.
Product: Mortgage

I requested Bank of America to cancel my PMI. 

I received a letter stating my investor requires a current market value. This is not true see letter from Bank of America. 

I received an email from XXXX XXXX stating my investor requires an appraisal. This is also not true. 

On the letter it states an agent or broker will contact me to schedule the appointment to provide an appraised value. 

Real estate agents and real estate brokers are not licensed to provide appraisals in Georgia. Since they are not licensed to provide appraisals, what service are they providing. 

The letter says they will be providing the current appraised value. Bank of America could use an AVM, automated valuation model to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I purchased a XXXX XXXX XXXX from XXXXXXXX XXXX of XX/XX/XXXX,. I one payment in XX/XX/XXXX on XXXX XXXX XXXX repo my vehicle and wouldn't work with me to get it back. They wanted me to pay the full amount owed which was XXXX I'm a senior and XXXX I also don't see where they pulled my credit when I purchased the vehicle. At the time I had a fraud alert and security freeze on credit, I am a victim of identity theft in XXXX did file with FTC. XXXX has enter a Repo saying XXXX the car was repo on XXXX. This is not true what they reported and not fair and should not get away with it and mistreat customers especially senior citizens.
Product: Debt collection

I began receiving call on XXXX XXXX from this company. I do not answer calls I do n't recognize or know. No one ever left a message. They were calling 3-4 times daily through the week. Then I got 2 messages left on my voicemail by a woman who did n't leave her name but said " ( stated my name ), I need you to call me back, I need to talk to you. '' And she left a phone number XXXX XXXX. I never did call back. I keep receiving these calls from this same number along with another number listed for this company, Prince Parker and Associates. It 's a XXXX area code. I 've had the same message left by a woman also. I XXXX the numbers and found it was the above mentioned company. I will not call them back simply because they are not leaving messages stating who they are, why they 're call and they 're calling me 3-4 times daily from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX  XXXX {$590.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXXXXXX {$130.00}
Product: Debt collection

I am writing to formally request the removal of late payment entries from my credit report for the following accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX I take responsibility for the mentioned late payments. In the spirit of fairness and goodwill, I kindly request your assistance in reevaluating these entries.
Product: Checking or savings account

Much like the majority of complainant 's filing their concerns against Charles Schwab bank ; via XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Trade Commission, XXXX, Securities and Exchange Commission and The Office of the Comptroller of the Currency, Charles Schwab has not only frozen my cash, but they refuse to send my money back to me. Charles Schwab defrauds its customers, just like the front page of the XXXX XXXX XXXX  warns. Government action continues to be taken against Charles Schwab, due to their constant deception towards the very customers they supposedly service. My account number is XXXX. For anyone at the XXXX, you can verify the account with the routing number, and you'll see the funds there for yourself. Charles Schwab will be sure to remove any fees they have added to my account without my knowledge. The fraudulent organization known as Charles Schwab locked me out of the online access portal, so they can continue to charge me fees and retain MY cash fraudulently. Also, Schwab is embezzleing funds in my account issued by the government for veterans XXXX benefits. It is illegal for Schwab to not only embezzle money from consumers, but defraud the federal government and embezzle funds intended for XXXX veterans. I served in XXXX after XX/XX/2001 and this is how I am repaid as a XXXX veteran. Schwab is an economic XXXX and needs to discontinue embezzling the life savings of its customers. 

Incoming routing # XXXX Outgoing routing # XXXX
Product: Debt collection

Enhanced Recovery company failed to notify me in writing wit hin 5 bu siness days of reinserting a deleted collection account that once belonged to  XXXX   XXXX   XXXX  in  XXXX   2017 . Not only did they break the law in failing to notify me, they reaged the account and changed the amount " owed '' on this collection account that I disputed and was deleted from my credit report. I have no knowledge of this account, please delete this inaccurate information from my CREDIT report it is making it extremely difficult for me to obtain credit. Thank you
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to report XXXX ongoing failure to remove fraudulent accounts from my credit report, despite multiple requests and the submission of necessary documentation. Attached to this complaint is the most recent identity theft affidavit, which clearly outlines the fraudulent accounts that need to be removed. 

I have been a victim of a data breach, and my personal information has been used to open unauthorized accounts. In response, I have already submitted an identity theft affidavit to TransUnion, along with all required documentation, including proof of my identity. Despite this, TransUnion has not taken the required steps to remove these fraudulent accounts from my credit report. 

Most recently, I had to submit another identity theft affidavit, which I have attached here for your reference. To this day, however, TransUnion has not removed the fraudulent accounts outlined in this document. Their failure to act in accordance with the Fair Credit Reporting Act ( FCRA ) continues to cause harm to my credit profile and financial standing. 

I respectfully request CFPBs assistance in ensuring that TransUnion reviews the attached identity theft affidavit and promptly removes the fraudulent accounts, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax hack of 2017 where mishandling of my sensitive information and lack of proper security have led to my information being leaked to the public.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES : purchasers of XXXX debt. 

Original creditor : XXXX XXXX XXXX  - again, complete lack of account ownership transfer from a custodian of records. this entry also comes with a XXXX XXXX date of XX/XX/2020. Where this group pulled that day out of, I have no clue. Made up fantasy date of account last date of activity, I did not open any credit card XX/XX/2020. Period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a self account I disputed it also spoke to people N the matter still there its holding me up from getting apartment cause so much bad reporting on my credit
Product: Credit card

I am stating that on XX/XX/XXXX, I paid my Lowes Credit card balance in full. My records indicate that I over paid them by {$65.00}. I did not receives the {$820.00}, refund amount as promised on letter dated XX/XX/XXXX, for a XXXX XXXX XXXX XXXX fees service that I never agreed to purchased.
Product: Credit card

After lowering my credit limit which left me over the credit limit I called to close the account. Before closing the account I want to discuss lowering my rate? Was told to close the account XXXX and then I would be transferred to that department after being transferred I was told since the account was closed the rate could not be lowered?