23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, my card was used to complete a payment of XXXX. Ive been trying to get this charge reversed since it occurred but chime keeps on declining my request. I have submitted a police report, documentation of my whereabouts, as well as phone conversations between the merchant and I. I also still have an email the accountant of the company sent me telling me to call my bank and get it disputed because they cant help me but CHIME continues to decline it.
Product: Credit card

When i moved to XXXX then back to XXXX, Capital One put a restriction on my credit card for possible fraud. I was late on a payment because I had a small XXXX XXXX, but resumed working again and wanted to bring my balance current. I have been trying to prove my identity to them for the last month. I have called them XXXX times to date. Thier hold times are up to four hours, while I get transferred from one department to another. I was unable to answer one security question due to it being an address I had over 25 years ago. I was tiold to take my ID to my banker. I did, she was on hold over 45 min and finally could wait no longer. I called again, got disconnected twice, was finally given a supervisor. She directed me to fax my ID. I did, and i received a confirmation number. I was told 24 to 48 hours to remolve hold. Five days later I am told it was not received and they need XXXX forms of ID. I refuse to send my birth certificat and social. After an hour and a half on hold, Im sent to a supervisor, who wants me to fax my ID again. Very fustrated, and late charges accruing because I can not make payment. HELP!!!
Product: Mortgage

My mortgage was sold to Resurgent Mortgage Servicing after I had refinanced my mortgage with Selene Finance in XXXX of 2013. The very first month they took over my mortgage, they increased my monthly payment over {$500.00}. This was what they said was " their Fees ". I paid the first month of the higher payment and then consulted with an attorney. He sent them a letter, before anything was accomplished, Resurgent sold the mortgage again to Shellpoint Mortgage Servicing, which I found out is an affiliate of Resurgent. Again, my attorney contacted them ( Shellpoint ), and tried to get t situation resolved. I have not payed any mortgage payment since the first payment I had made to Resurgent. All Shellpoint wanted to do was to do a loan modification or a refinance. My original interest rate was aprox 2.8 %. They do not want to honor my mortgage agreement that I originally signed with XXXX XXXX. My attorney all of my original documents as far as the refinancing and has the correspondence to both Resurgent and Shellpont. My home is now being foreclosed upon and I do n't see how this can happen. It is my understanding that when a mortgage is sold, the buyer buys it " as is " and CAN NOT add fees or change the agreement any way unless the property taxes or insurance changes. I have saved all of the payments that should have been made, I just refuse to pay more than what my original mortgage agreement states. My attorney is XXXX XXXX and his email is XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter regarding the inaccurate reporting of an alleged debt by XXXX XXXX XXXX XXXX. This concerns a closed account originally held by XXXX, with a claimed balance of {$690.00}. 

The collection was initially removed from my credit report but was later re-added by XXXX XXXX XXXX XXXX, a junk debt buyer. I can confirm that I received official confirmation from XXXX, Equifax, and XXXX that the XXXX debt, initially held by XXXX XXXX XXXX, was successfully removed from my credit report, complying with the Fair Credit Reporting Act ( FCRA ) guidelines. 

This inaccurate reporting is misleading and damaging to my credit history. Notably, the initial debt buyer, XXXX XXXX XXXX, reported and promptly removed this debt after verification, highlighting the accuracy of the removal and raising concerns about the legitimacy of XXXX XXXX XXXX XXXX 's claim. 

Furthermore, XXXX XXXX XXXX XXXX has failed to provide any valid documentation supporting their claim to the XXXX debt ( no original contract with my signature has been provided, let alone any proof at all, of this erroneous debt ). I have not received any communication from them regarding the alleged debt, and their reporting appears to be based on inaccurate or insufficient information. 

I hereby request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. XXXX XXXX XXXX XXXX 's attempt to collect on a debt officially removed from my credit history is a clear violation of the FCRA. 

In addition, I request that XXXX XXXX XXXX XXXX  cease all collection attempts, reporting, and any further actions related to the XXXX debt until a proper investigation is conducted, and the matter is resolved. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this situation.
Product: Money transfer, virtual currency, or money service

I had a Venmo account that I lost access to due to my purse being stolen with my phone and debit cards in it, so I reported it to Venmo so that they would close it, thinking the account was closed, I opened a new account, deposited XXXX with no problem until I tried purchasing then I was informed my account was frozen due to identity verification issue so I sent them a picture of me holding my driver 's license. Then instead of resolving the issue I get another email stating my account is now closed because I broke user agreement that they are going to hold my funds for 180 days it has been over 180 days and they are telling me they are going to hold my funds longer, no reason given and not to reply to email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023, I sent in a letter requesting for all accounts being reported to my credit profile to provide documentation proving that the debt belong to me and is accurate. As part of the verification, I requested the original contract signed with my wet signature and complete payment history from the original creditor. However, I received a mailed letter with neither. In accordance with the Fair Credit Reporting Act, the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 
XXXX XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C.1681 section 602 a states that I have the right to privacy.

15 U.S.C.1681 section 604 a section 2 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 the 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: Vehicle loan or lease

Back in XX/XX/2020. My car was repossessed by Credit Acceptance. During this time I was serving in the XXXX XXXX, XXXX XXXX. I understand under the Servicemembers Civil Relief Act ( SCRA ) that I have certain protections and rights regarding a repossession. However Credit Acceptance did not get proper authority or go through proper channels for the repossession. They also failed to give me any notice by phone, email or mail. I did not receive notice of the action taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Detailed below is the response I received regarding a dispute I filed on XX/XX/2023. 
I attached an identity theft report, my id and a statement, with that dispute. 

This letter excludes XXXX XXXX. XXXX XXXX has handled my issue like a pro. XXXX XXXX has been an outstanding help. Thank you. 

I would like to advise the credit reporting agencies ( Experian- spoke tto agent XXXX ( claims did not receive my documents despite the fact that I submitted it through the CFRA portal. Already in violation of U.S.CODE 1681C-2.. and XXXX ) that they are violating federal law. 
15 u.s. code 1681c-2 - block of information resulting from identity theft. 
a. block states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer, no later than 4 business days after the date of receipt by such agency.

It has now been 14 days since submitting my dispute through the CFPB. 

Please be advised that if these accounts are not deleted promptly, I will be filing- Notice of Default opportunity to cure within the next 7 days.Thereafter, will be filing 1681N and or 1681O Civil liability for non compliance. 

I have no relation or transaction with these companies therefore must be deleted promptly. 
Below is the response I received and it is unacceptable. 

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
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act convergent account names : XXXX XXXX  services from XXXX  on XX/XX/XXXX, date reported on XX/XX/XXXX. 
XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( 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 a account whithout my written instructions.
Product: Credit card or prepaid card

I have paid down the total amount due to {$0.00} in the month of XX/XX/2021. I have documented proof that the total due and pending items all read {$0.00} before the next billing period. However, the next billing statement listed for XX/XX/2021 added another {$1.00} on my billing statement and made my minimum payment {$1.00} for some reason, claiming {$1.00} in interest. How can I be charged interest on {$0.00}? This is for the account ending in XXXX. I should not owe Citibank anything for the card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted challeges of account on my credit report to transunion, XXXX and XXXX ... .all 3 say that this account is verified as reporting 100 % accurately ... .how is this possible? i have tried to challenge this account with the " original creditor '' ( XXXX XXXX ) each time they are being returned by the XXXX stating that the address for XXXX is unknow ... .I am mailing this to the address that is provided to me on my credit report for this creditor from the 3 credit bureaus..attached is proof ... how are they conducting proper investigations and coming back as verified if the 3 bureaus are providing an inaccurate address for this " creditor '' ... this is a violation delete this account now
Product: Credit card

Dear CFPB, I am writing to file a complaint against Wells Fargo regarding their deceptive practices of unbinding my repayment account on my due date and their refusal to rectify the situation. On numerous occasions, I have contacted the bank to address this issue, and they claim that the repayment account, which has been used multiple times, is unverified. However, I have evidence that my XXXX XXXX savings account was verified on XX/XX/XXXX, as shown below, and I have made multiple repayments. 

I received {$38.00} in interest income, as evidenced by my account statement from XXXX XXXX. This demonstrates my financial stability and ability to meet my repayment obligations. 

This is a trap designed by Wells Fargo, intending to deliberately harm consumers by abusing their position of trust, forcing them into paying exorbitant interest rates. It must be met with severe crackdowns and penalties! 

The bank 's insistence that this is my fault is unjustifiable. Furthermore, they have requested that I re-enter my card information into the app, but the system only informs me that this account already exists and requires another card to be added. This mismanagement by the bank, which is on the brink of bankruptcy, is inexcusable, and they are wrongfully shifting blame onto their customers. 

I am submitting this complaint in the hope that the bank will promptly resolve this issue. In the meantime, I will not bear any interest incurred during this period, as this is not my error. 

Sincerely, XXXX
Product: Mortgage

On XX/XX/2021, I filed a complaint with the CFPB ( Reference number : XXXX ) in regards of KEYBANK not granting me the opportunity to complete a consumer credit transaction because I asserted and reserved all rights under the ECOA ( Equal Credit Opportunity Act ). 

On XX/XX/2021, KEYBANK corrected their position through the CFPB, and confirmed that they would be in compliance with the ECOA ( Equal Credit Opportunity Act ) and also would honor my ECOA request, as well as grant me the opportunity to complete the consumer credit transaction. 

On XX/XX/2021 I reached out to KEYBANK in regards of applying for a mortgage. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '', This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ). Through correspondence with the mortgage loan officer via email, the mortgage loan officer was properly informed of my ECOA request and was recommended by her supervisor to move forward in completing the transaction. On XX/XX/2021, the consumer transaction was completed and submitted for review by KEYBANK. On XX/XX/2021, I received an email from the mortgage loan officer informing me that the transaction was denied due to the information that was furnished to KEYBANK from consumer reporting agencies in regards of my credit history and worthiness. I Informed the mortgage loan officer that my ECOA request has not been honored and that KEYBANK has willfully violated the ECOA pertaining to this transaction. I have not heard back from the mortgage loan officer since my last correspondence through via phone call.
Product: Checking or savings account

On XXXX XXXX I was trying to add funds into my XXXX XXXX and it declined it went onto the td bank app instead to XXXX come to find out Im locked out my account. I called td asap since Im unaware as to whats going on in my account since Im outside the US. The rep told me my account was closed due to a XXXX  that was being disputed and told me go to a branch for my info. I returned back to the US on XX/XX/XXXX went to a branch for the rep there tell me to wait for a letter that she couldnt give more details. Now we in XXXX I called few days ago to td bank to follow up since my funds have been frozen due to the account closure. The rep that helped straight told me they was charging back XXXX  transactions that I had received apparently I cant accept payment unless they personal and that for me to go thru my statements and reach out to all who td is refunding back
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

PayPal Fraud I was looking to get money from my work collogues to purchase a XXXX XXXX  Gift Card for someone our work who retiring. On XX/XX/2021, I used my PayPal account to receive over a dozen donations of over {$300.00} that I would then transfer to my personal XXXX account. In the subject line, I put the name of the retiring worker and was not informed that I would need to verify the personal information of a name on the subject line which read, XXXX XXXX retirement- XXXX XXXX Gift Card. 

PayPal took the funds but would not release them to me unless each individual contacted PayPal to verity the retiring workers birthdate. When I called to inquire with PayPal 's supervisor, XXXX XXXX XXXX XXXX, I was told by PayPal this is a government regulation. I asked if I could read this regulation or be told where to find it and they did not have it. I don't have personal information for the retiring worker whose name I put on the subject line and asked if I could use something else. I was then told the money could not be returned or processed unless each person contacts the PayPal 's resolution center. 

Because I am not able to get personal information for a name put on the subject line, such as birthdate, Social Security or Mother 's maiden name for a person that is not part of the transaction, my money is frozen by PayPal and will not be returned or released to me. This is fraud and theft by PayPal. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX, and XXXX has not sent my credit report ftc violation trying to fix the inaccurate information on credit report
Product: Debt collection

Today is XX/XX/XXXX, my payment is 11 days late. Since Sunday XX/XX/XXXX ( 5 days ) Comenity Bank has called me 31 times, 22 times from their number and another 9 times from " no caller ID ''.
Product: Credit reporting or other personal consumer reports

I have noticed that there are inaccurate debts being reported on my consumer report. Under Fair Debt Collection practices, I am asking for the debt to be validated. Please provide me with a breakdown of all charges, dates of service, and procedures. 

I am allowed under the HIPAA LAW to protect my privacy and medical records from third parties. This is also a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports the credit reporting agencies sharing my information. I do not recall giving permission to release my medical information to a third party to the following medical companies below : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ), HIPPA does allow for limited info about me but anything more is to be revealed with authorization.
Product: Checking or savings account

I am a XXXX patient that is losing their XXXX therefore I needed to purchase a wig. On XX/XX/18, I purchased a wig from XXXX XXXX but the hair started coming out by the handful. After the XXXX XXXX XXXX ( XX/XX/18 ), I called the owner to provide another wig or refund. Later that week I found out the wig was over 2 year old and was damaged before selling it therefore I left the wig with the owner. This wig was presented to me as a New Wig that came with bangs but this wig did not come with bangs. The owner washed and cut the wig to disguise the damages to pass it off on me. I told the owner she should have fully disclose everything about the wig, I would been able to make informed decision. I immediately requested Capital One 360 stop the Debit Card purchase but it was still pending. They told me to call back when it had posted which made it more difficult to resolve. I attempted to resolve the issue by offering to wait for new wig, ask the owner to send the wig to add more hair but the owner still refused to make good on the purchase ( {$860.00} ). Capital One 360 provided provisional credit in the amount of {$860.00} and continued to investigate. On XX/XX/18, they denied the claim because the owner says purchases are final. I explained to Capital One 360 the owner has the wig and they were allowing her to keep the funds. If they had stop the debit card purchase once it posted the owner would have worked out a resolution. After 11 years as a loyal customer of Capital One 360, a decision was made to deny the disputed claim which overdrew my checking account in the amount {$860.00}. Capital One 360 Claims department refused to speak any further.
Product: Credit reporting or other personal consumer reports

Specifically, 15 USC 6802 defines a " charge-off '' as a " certificate of indebtedness ''. meaning it should not be reported on my credit as debt. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 XXXX  XXXX XXXX accounts that are inaccurately reported with Experian. I have tried multiple times to correct, requested method of verification, etc with no results. The issue has been fixed with the other credit bureaus. Experian continues to report late payments when there were none-the account was in an approved forebearance due to medical Issues. An example of the error is that it will report ok payment history for 3 consecutive months, then report a 90 day late. How can it be 90 days late if it was ok the month prior. There are also several months of ND or no data reported, which is inaccurate.