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

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
Please remove it from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My XXXX and I opened a checking account at a Chase Bank branch in XXXX, AZ on XX/XX/2022. ( We recently bought a winter home in Arizona ). The account was opened with a personal check from a friend. About XXXX week later my XXXX personally deposited a rather large check. A day later my XXXX personally deposited another check. We subsequently received a letter in the mail dated XX/XX/2022 saying that they blocked the account and it was soon going to be closed. We went to the same branch where we opened the account and have been making deposits and they said it was because XXXX of the checks was made out to a trust. While we were there, at the banks request, we had a copy of that trust emailed to the bank. The bank ( er ) was satisfied with that and asked that we give them a few days to get the account cleared up. We called the bank yesterday, XX/XX/2022, to be sure everything was taken care of. We were told that no, our account had been closed. We said then that we wanted our money ( approximately {$150000.00} ) and they said they would have to send a check. They now say that they can not do that because they are questioning the original check with which we opened the account ( only about {$1500.00} ). They say they need to talk to the person who wrote the check but that they would need to call him. We provided the bank with his XXXX telephone numbers but they came back and said that they couldnt find that those phone numbers were associated with him and that he would need to personally go into a Chase Bank branch. However, he lives in XXXX XXXX, IA where there are no Chase banks. We are left with really no solution from them and we cant get our money. By the way, all the funds long ago cleared.
Product: Debt collection

Im unaware of this debt I didnt have a opportunity to dispute this bent. if you believe you gave me proper notification please send me a certified mail receipt with my signature stating that I received this notification
Product: Mortgage

Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, NY XXXX I paid off my loan a couple months ago. I believe I have been making payments prior to the due date. I asked Mr. Cooper ( Nationstar ) by email to account for all of my early payments and credit the interest I have saved by making my payments early. Note : My loan 's interest is calculated by using the Daily Simple Interest method. 

They have not acknowledged ( within 5 business days ) or responded to my email that I sent on XX/XX/2023. Note : Nationstar provided me with the email address ( XXXX ). XXXX is the servicer and Mr. Cooper ( Nationstar ) is the subservicer.
Product: Debt collection

I received a letter via USPS with may name and address. It was from Online Information Services, XXXX XXXX XXXX, XXXX, NC XXXX ( phones : XXXX & XXXX. It stated that they were a debt collection agency wanting to collect a debt of over {$100.00}, on behalf of a company called XXXX XXXX, XXXX. I contacted XXXX XXXX and they stated that they never had my name nor my address in their system ; they also said they did not do business with the above mentioned company or scam people. They suggested this was a scam and recommended that I ignore it. I however, do not wish to have some erroneous error/scam ever placed upon my unblemished XXXX  scores. This is the reason for this submittal.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

- I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit card

Robo call to my home number XXXX many times daily. The phone number that the call comes from is XXXX. XXXX from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has no reason to pull my credit report in order to apply executive actions - You misused my report in XXXX & XXXX
Product: Prepaid card

This card was bought on XX/XX/2023 for {$250.00} and I plan to gift it to my daughter, unfortunately this card has a XXXX balance, I look it up there are millions of others with this complain, the company wants to file a dispute, this is not a dispute because It has XXXX balance on it.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments from XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. EXPERIAN failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  Account # XXXX
Product: Money transfer, virtual currency, or money service

The SBA approved my business for a loan in the amount of {$13000.00} that was disbursed on XX/XX/2020. The funds were sent to Bank of America erroneously however to date Bank of America has not returned the funds back to the SBA. I've contacted Bank of American numerous times requesting to have the funds returned to no avail. I've also contacted the SBA for help in this matter ; unfortunately the SBA was unable to contact Bank of American on my behalf. I have attached a copy of my loan agreement as well as communication that I received from the SBA legal department.

I am reaching out for help in this matter because my business is still responsible for repaying this debt that interest is accruing every month while Bank of American is holding on to the funds while my business is in desperate need of the funds. 

I thank you in advance for your help in this matter. 

Respectfully, XXXX XXXX
Product: Debt collection

Around XX/XX/2022 I was getting ready to make a purchase using my self credit and it got declined on the purchase I was trying to make. So I tried the transaction again and it declined again and that when I decide to login into my SELF account to check my balance and I had availability credit into my account but couldnt understand why my card declined. So I email self because that was the only way I was able to get in contact with an agent. They sent me an email stating that they need to verify my payment account? Not understanding what that is and why that happen all the sudden when I been with self almost XXXX XXXX at that point and never had an issue to with my account up til then. So SELF ask me to email them a copy of my bank statement in XXXX in order for them to whatever verify my account. I sent over the document that they ask and a day later I get an email from self saying that my account as been CLOSE with no real proper reason WHY! I ask them well what about my deposit that I already put into the account will I get that back? The agent reply yes after the investigation is done. After the investigation was done they mail me back my payment of XXXX  which took time to receive after I had to follow up with them asking them where is my payment. I obtain a copy of my credit report and notice that they are reporting the account as delinquency and that I owe a balance of XXXX which is affecting my credit score. I never took money from self any money that was on my self account was from money I put into the account. How dare them close my account down due to a system error that they couldnt seem to verify on their end and report it as delinquency with the credit bureau when I been a customer with self for almost 2 years! Very frustrated about this situation because this account as hurt my credit report tremendously and this account need to be remove immediately. They are reporting inaccurate information on my report and never once was inform me of this dispute account. 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 I HAD ENCLOSED A COPY OF THE EMAIL BETWEEN THE REP AND I
Product: Mortgage

My wife and I have had a tax abatement for the last 6 years our Mortgage is currently through Ocwen. They collect the regular property tax amount on a monthly basis and place it into an escrow account. At the end of the year our taxes typically amount to {$200.00} however our current tax amount is {$1500.00} the smaller amount gets paid annually by Ocwen however I never see where the rest of the money they collected goes I have written them and called them multiple times. they are not able to give me an answer I dont see the money going towards principal ither it just disappears. I contacted the state of Utah and they dont get the extra money either.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XX/XX/2023 Consumer Financial Protection Bureau Complaint Regarding Charged Off Repossession on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a charged-off repossession that has adversely impacted my credit report. The purpose of this complaint is to seek assistance in rectifying this matter and achieving a fair resolution. 

Account Information : Creditor Name : XXXX XXXX Account Number:XXXX Charged-off Amount:XXXX Account Information : Creditor Name : XXXX  Account XXXX Charged-off XXXX I am deeply concerned about the charged-off repossession appearing on my credit report, as it has significantly affected my creditworthiness and financial standing. However, I strongly believe that this repossession was unjustified and should not have occurred in the first place. 

I have taken the necessary steps to improve my financial situation since the repossession occurred. 

I am attaching copies of relevant documents, including credit reports, payment receipts, correspondence with the creditor, and any other evidence that supports my claim. These documents serve as proof that the charged-off repossession has been an unjust burden on my credit history. 

I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure the charged-off repossession is removed from my credit report. Additionally, I urge the creditor to rectify any inaccuracies or discrepancies on their part that led to the repossession and its subsequent charge-off. 

I seek a fair and just resolution to this issue, as it directly impacts my financial well-being and future opportunities. Removing the charged-off repossession from my credit report would greatly alleviate the difficulties I have faced in obtaining credit and financial services. 

I appreciate the assistance and attention of the Consumer Financial Protection Bureau in addressing this matter. Please find attached all the necessary documentation to support my complaint. I look forward to a prompt response and resolution to this concerning issue. 

Thank you for your time and consideration.
Product: Payday loan, title loan, or personal loan

The company Has not yet responded to me. I spoke to a representative who said I would get a call back the same day so my account can be closed and the interest can stop being charged which is over 300 % interest. I Want to pay my debt but since Ive been laid off I can only afford to pay my principle balance, over {$300.00} in interest is being added to my account every 2 weeks. They have no responded as of yet..I sent the email to them that is below. 




Account # XXXX URGENT XXXX XXXX XXXX XXXX Dear XXXX XXXX, Recently due to unforeseen circumstances I was laid off from my position as a XXXX XXXX  in the XXXX XXXX. I have very little money available at this time to keep up with bills including credit cards, loans, cash advances. I will have just enough money to keep the lights on and feed my children. Per the Fair Debt Collection Practices Act, Federal Trade commission, and the Consumer Protection Bureau I hope we can come to fair terms in regards to repaying my outstanding debt. I would like to pay off my debt completely within a set time period with freezing the amount of interest being charged so I can put every payment towards my principle balance. I would like to start paying immediately. At this time if you could please stop any ACH withdrawn or Debit withdraw from account ending in # XXXX and card ending # XXXX as I do not want to attain any fees from NSF. 

Please, your co-operation is appreciated and Im hoping to repay my debt with set payments over a set time period without any additional interest being charged or added. I look forward to hearing back from you as I am trying to take care of my responsibility with XXXX. Please email me at XXXX or I can also be reached at XXXX. I will get back to you as quickly as possible. 



Thank You XXXX XXXX XXXX Acct # XXXX
Product: Student loan

On XX/XX/year>, MOHELA incorrectly added {$17000.00} in capitalized interest to my student loan account without notice or authorization. I identified the error and contacted MOHELA multiple times to correct the issue including on XX/XX/XXXX ( when I first noticed the erroneous interest added ), XX/XX/XXXXXXXX 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/year>, the FSA responded, stating that MOHELA admitted fault and would need 10-15 days to correct the error.

Despite this, as of today, the issue remains unresolved. MOHELA has not provided a written acknowledgment of the error, a timeline for correction, or any updates regarding the status of my account. 
Since XX/XX/year>, my monthly payments have been applied toward this incorrect capitalized interest rather than the principal. This has inflated my loan balance and caused me to pay unnecessary interest on an incorrect amount. 
I have contacted MOHELA several times by phone and email to request that : The incorrect capitalized interest be removed. 
My payments be reallocated to the principal or that my interest be placed on hold until the issue is resolved. They have not agreed to any of these terms. 
Each phone call required a wait time of over an hour. While MOHELA verbally admitted fault, they provided no written acknowledgment, no timeline for resolution, and no evidence of action being taken. Meanwhile, the incorrect interest continues to grow, and my payments continue to be misapplied.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : NFCU UNETHICAL PRACTICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am reaching out to seek assistance in resolving an ongoing issue with my financial institution, Navy Federal Credit Union ( NFCU ), regarding unethical practices and recurring problems. 

This specific letter pertains to another complaint related to the issues recurring on XX/XX/24. Previous complaints regarding similar issues were submitted on XX/XX/24, with complaint IDs : ( CFPB ) XXXX, ( CFPB ) XXXX. 

Customer was charged an Overdraft Fee for a transaction that was not pending at the end of the day ( EOD ) around XXXX XXXX XXXX  as shown in the screenshot ). Later that evening ( around XXXX XXXX XXXX see attached ), NFCU added the transaction as posted without ever reflecting pending status at all. Additionally, at that time, NFCU added an Overdraft Fee with complete disregard to the Customer bringing Account Balance Positive before EOD ( Available Balance was {$2.00} around XXXX XXXX ; see attached ). 

NFCU still has yet to resolve the previous complaints for issues on XX/XX/24, and the Customer is still demanding a refund for the fees charged during that timeframe. 

Additionally, Customer is demanding NFCU reverse and apply an adjustment credit for ALL FEES charged across ALL ACCOUNTS as a courtesy for the unethical practices and disrespecting a loyal customer who has now been with NFCU for 1 year as of this month. 

Despite my efforts to address these concerns directly with NFCU, they have not provided a satisfactory resolution. Therefore, I am seeking your intervention to ensure that NFCU complies with these demands and rectifies the situation appropriately. 

Please find documentation supporting my claims, including correspondence with NFCU and evidence of the inaccurate balance reporting. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I informed this company of its improper use of information and the laws that were being broken. The accounts below are being reported as closed account when these accounts never belonged to me. This is impacting my score and my future. 
Account : XXXX  Needs to be removed inaccurate detail being reported are attached. 

Also this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Has been asked to be removed for over a year now after all documentation has been provided. 
Please Remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Account number XXXXXXXX XXXX XXXX XXXX  Balance : - XXXXXXXX XXXX XXXX Balance : - Original creditor : XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Product: Credit card

Unable to get to the make a payment page because new page forces additional information to be added. I have no additional information.
Product: Credit card or prepaid card

XXXX XXXX has closed several of my accounts for no reason. I have kept the cards active and paid on time. In the process of getting my SCRA benefit activated on my account. I am to the point where getting a lawyer to sue the company for wrongfully closing my account. Here are the accounts that were closed : Lowes Card : XXXX XXXX : Card ending XXXX XXXX XXXX : XXXX XXXX XXXX : Dont remember the account number but they can pull my info with social. 
I have submitted information to XXXX XXXX to process the SCRA benefit for reduced APR as well as any other fees that have incurred. Still have not heard anything back from the bank itself. Please help me look into this issue.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.