23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Score has been lowered the Credit Agencies ( XXXX XXXX, Experian ans XXXX ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a chapter XXXX bankruptcy and for 2 years I have been making my payment but it shows discharged and the company will not put my payments on my credit report, my attorney stated that they should not be doing this and informed me of your service. Freedom Mortgage will not add my account as active and current. I am including my 1098 from 2020.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was transferred {$55.00} from a same person using the Zelle app. I recieved the money split in two. First {$30.00} and then couple hours later {$25.00} when that person sent the amount together.
Product: Credit reporting or other personal consumer reports

My information was involved in XXXX data breaches : XXXX data breach and XXXX XXXX  data breach please see attachments for further details
Product: Debt collection

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( D ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, insert your accounts you want deleted here XXXX. Creditor : XXXX XXXX Account XXXX : XXXX XXXX. Creditor : XXXX Account Number : XXXX XXXX. Creditor : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Creditor : XXXX Account Number : XXXX
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 issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. Believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I open the checking account ( XXXX XXXX  ) and deposit my check from work two times a month. I only wrote less than two checks and only few transactions per month. There was nothing unusual activities. I opene tbe investment account because they solicit to open one. I did and then they locked the account without any reason for locking the online login. They do not have branch office and I can not access to the fund and this cause me to borrow money from XXXX member to make a auto loan credit card and mortgage payment. They fraudulently took my money without any explanation. They requested me to send id and social I sent it but they still locked account and i do not have the access to my checking.
Product: Debt collection

XX/XX/18- The representative of XXXX XXXX XXXX called me within my working hours to collect a debt. A third person called me, did not identify himself and then he transfer the call to this representative. I tried to explain him that I was in working and can not speak about my personal stuff in front of my co-worker, but this person insisted in talking about why I have not pay my account. 

This company uses the " legal actions '' against the customer..this company never answer when I call them to negotiate my debts. Never answer the emails, and when I request an investigation, never did it. This harassment has to stop.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX sent an email stating that Capitol One initiated a Hard New Inquiry XX/XX/2023 I contacted XXXX and spoke to a representative. They don't know why a credit inquiry was initiated and suggested that I contact Capitol One directly. 
XX/XX/2023 I spent several hours calling two different phone numbers for Capitol One. I was not able to get through to a person to discuss the issue. 
Capitol One does not publish an email address. There is no information on their web site for issues with unauthorized Credit Inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter asking what method was used to verify a XXXX XXXX XXXX that is reporting on my credit report. I simply want to know what company or entity you are verifying this information with so that I may reach out to them directly to get this inaccurate item removed. Under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 days of your request. It has now been over 45 days with no response. Per the law I have the right to know how they verified this inaccurate account and failure to respond gives a reason to immediately remove this items from my credit report. I demand this account be deleted immediately or I will file for litigation due to all of the emotional stress you have caused me.
Product: Mortgage

XXXX, Chase Loan number XXXX In XX/XX/XXXX, as a new home owner, I accepted a variable rate loan with limited knowledge of how that loan would work. I accept my decision to do so and my responsibility for that commitment. In XX/XX/XXXX, a job opportunity took my wife and I out of state. At that point our condo had negative equity of approximately {$150000.00}. We made the responsible decision to retain our property, rent it and continue to pay on the loan to which I 'd committed. From XX/XX/XXXX, to XX/XX/XXXX our mortgage spiked 85 % from {$1400.00} per month to {$2600.00} an increase of {$1200.00}. 
I am an US veteran who has never been late or short on my mortgage yet I am currently facing the loss of my home. I believe the structure of the loan, originated in XX/XX/XXXX, is the reason this agency was created, and I 'm seeking your perspective on my suspicion that I 've been deceived, treated unfair and the target of predatory practices. 

I have compiled a recap of my interactions The following dates, times and points of contact recap my interactions with Chase since XX/XX/XXXX. Per the script presented to me prior to each discussion, these calls are all recorded or monitored and therefore should be available for confirmation of accuracy. I can provide a copy my recap of each interaction as well as my phone bills to aid identification and review of each call if necessary. Among the time-line you will notice from Chase : Numerous commitments to follow up that did not occur. 
Numerous occasions where there was no adherence to the communicated timeline. 
An unwarranted move of my loan from modification to liquidation status resulting in an 18-day delay. 
An occasion where I was told that I was calling too much, and that I should, " ... just let the process happen. '' Two occasions where I was told that action had been taken, that had not. 
As we are now approaching 90 days into a 30-day process, I employ your help and am seeking your intercession to aid us in coming to a rapid resolution to this situation. I 'm specifically requesting a copy and interpretation of what the 10-year adjustment entails, and assistance acquiring a streamline of our loan to allow us to keep the home. I would like a response to this request, and guidance as to how best to proceed from this point. 
It is as result of this treatment, that I have lost faith in the sincerity of Chase to want to aid resolution of the situation and question if their true intent all along has been to force me to default on my loan justifying their desire to repossess my home. To a juggernaut of a company such as Chase this event means nothing, but to my family and I it has a great deal of impact ; damaging my credit, eliminating a path to grow future financial stability through this home, and hurting our ability to borrow for years to come. I 've confirmed to Chase verbally and through my actions that I 'd like to retain our home, have never been late or short on a payment in over 10 years and feel I 'm being strung along towards a decision that may not have positive intent or be in consideration of my best interest. 
Sincerely, XXXX
Product: Credit card

US Bank charged me for balanced transfer and fees, which I never received it and I got charged for it. US Bank charged me for {$1000.00}, for XXXX XXXX XXXX balance transfer. 
I have never received it and US bank charged it to me. I contacted to them multiple times and they keep saying that I need to contact to XXXX XXXX XXXX  by myself and there is nothing they can help with. I contacted to XXXX  XXXX and they told me that they never received anything from US bank. US bank is keep refusing to investigate this missing check concerns. I would like to disputed {$1000.00} because I have never received it. Please help me to get my money back from US bank.
Product: Debt collection

In XX/XX/XXXX, I moved from my home in XXXX. At the time of the move, I notified XXXX XXXX XXXX, which provided curbside waste collection, to close my account and provide final billing. I paid final billing. Years later, in XX/XX/XXXX, I was contacted by a credit collection service, XXXX XXXX, regarding an account which XXXX had sent to collection ( stating original amount owed {$210.00}, then due {$340.00} ). I spoke with Phoenix rep several times and provided proof of my communication to XXXX closing the account. They took in for review - and to my knowledge, closed the file, but I did not get confirmation of that. In reviewing my credit report, I see that this remains as a derogatory action on my credit report and wish to have this removed. Thank you.
Product: Credit card or prepaid card

A Citibank XXXX XXXX XXXX card was opened fraudulently using my personal information and {$24000.00} was charged to the account. The fraudulent account was reported to Citibank as well as the police ( complaint # XXXX XXXX XXXXXXXX ) in XXXX XXXX where I live after I found out about the account from a debt collection agency phone call. 
After a supposed review by Citibank, I received a letter stating that the bank has determined that I am responsible for the account because payments were made from an account that belongs to me, which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of 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 XXXX, EQUIFAX and XXXX 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. The following items listed below needs to be removed from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$210.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

In XXXX, I was devastated by hurricane Irma. We spent XXXX days sleeping with our XXXX children in our car before FEMA could step in and find us a hotel. Everything in our trailer was destroyed. FEMA couldn't help us with the trailer. As a school teacher, I'm not afraid of hard work, but no one could work. I called my mortgage company and Capital one car loan. They granted me a two month reprieve. However, I couldn't catch up. I really tried. I worked extra seasonal jobs at XXXX. I was sleeping for four hours and working 20. Recently, I came to the realization that if I don't slow down, I'm going to die. I began to get migraines and numbness. An XXXX show that I need to be concerned about my health. I talked to my husband, prayed, and saw that the best option was to voluntarily surrender the car. I called Captial one on XXXX explaining that I wanted to surrender the car. The agent told me someone would call me to make arrangements. No one called. I called back on XX/XX/16 explaining that I removed the insurance on the car and I'm worried that someone will steal the car to please come and get it. The person on the line told me that my number was on the don't call list and unless I rescind that I would have to wait for the car to be repossessed. I am trying to mitigate my lost and capital 1 is trying to drag out the process to make me pay more at the end.
Product: Debt collection

I have had an account with the company and recently just missed a payment. They have called me on my cell phone while I was at work every hour and a half since the day first began. There has to be a limit to the amount of times they can call you in one day especially on a account that is n't even 30 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  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 without my written instructions. 

They also Reporting the wrong dates on the file they last payment was XX/XX/XXXX they change the date to the charge off date XX/XX/XXXX now this date is showing which is wrong here is the screen shot of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, Transunion, and XXXX. LATE payments listed on XXXX to whom just took over the account is not correct. Personal informations listed that I have never resided. The incorrect reporting to my credit file has cost me a promotion and stopped me from growing with the company I work for. This is wrong and I demand it be corrected.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
XXXX : ( XXXX ) XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy. 
XXXX XXXX.to XXXX XXXXET, Monday- Friday ( except federal holidays ). 
15 U.S.C 1881 Secticag 604 A Section 2 : It also states a consumer reporting agency can not fumnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute a late payment reported by XXXX XXXX XXXX XXXX on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

PLEASE HELP ME, IM GETTING STRESSED BECAUSE OF THIS PLEASE BLOCK AND REMOVE THIS, THIS IS FRAUD AND WAS NEVER AUTHORIZED
Product: Debt collection

I have been violated by Capital One Bank on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.
Product: Credit reporting or other personal consumer reports

1099a was sent to ally with no response more than 120 days ago. please see attached copy
Product: Bank account or service

I have an HSA with XXXX ( Bank of New York Mellon ). I contacted them in XXXX XXXX to find out how much more I could contribute to reach my maximum contribution limit for XXXX. I mailed in a check and last week received an email from them saying I could add more. Thinking that I had already sent in the maximum, I called them to double check on what was going on. They said that the email should n't have gone out, that the check I recently sent in was too much, and that I would have to pay fee to get everything split up and " reclassified '' to the proper years OR they could reclassify the check I sent in for XXXX to XXXX which will cause me to lose out on my maximum contribution for XXXX. Either direction costs me money and I was trying to be proactive to begin with. The people and policies at XXXX XXXX are criminal and derelict. They purposefully dish out incorrect information in an effort to generate fees and have totally failed at any standard of fiduciary duty.
Product: Money transfer, virtual currency, or money service

I ask which branch took my money, people over the phone give me one answer ( before the phone disconnects ) and then people over e-mail give me the same copy & page AI generated responses. It's beyond frustrating they let my money be stolen and do nothing about it.
Product: Debt collection

I sent a debt validation to the collection company ( Pinnacle Credit Services ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company did n't provide any proof the account actually belonged to me. The company sent several statements but they did not a line with XXXX. The called the company asked if they could send me a copy of a user agreement signed or any proof that this account belong to be, I was told I needed to contact XXXX. After contacted XXXX, I was told that they did not have a user agreement or anything because the account was set through a third party ( XXXX ) in XXXX of XXXX. Since then the company XXXX XXXX has closed down, so there is no way to get a response from the company. The company is charging {$300.00} in termination fees for XXXX lines of service and balance of {$1000.00}. There was never a payment made on the account. The account was opened XX/XX/XXXX and closed in XX/XX/XXXX for non-payment. The company can not provide any proof that I actually opened the account and can not provide an agreement says that I agreed to a termination fee {$300.00}.
Product: Student loan

I graduated from XXXX University back in XXXX, My degree was conferred in XXXX, My account was never updated until this year of me being a graduate, I have a lot of fees on my account and would like them to be removed so that I can get an apartment, they are not going to help with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I Owe {$220.00} on my XXXX  credit report. I NEVER HAD A XXXX XXXX ACCOUNT NOR ORDERED ANYTHING FROM XXXX XXXX. I WILL SUE XXXX XXXX  AND XXXX  IF THIS INCORRECT INFORMATION IS NOT REMOVED