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

For approximately XXXX weeks I have been unable to access my mobile app with Pentagon Federal Credit Union. Every time I try to access my account I am locked out. I spoke with the Credit Union and they stated there is an issue with the Credit Union IT department and that some customers such as myself is having this problem. They said someone from their IT Department would be calling me but noone has called me to date. 

I need to access my mobile app to deposit XXXX checks.
Product: Debt collection

A person representing or working for XXXX XXXX XXXX came to home looking for me. On XXXX a person pulled up to my home very aggressively and popped/lifted up her trunk and told the people that she was looking for me in a very aggressively matter. Her demeanor was as if she was going to cause bodily harm to me. The female started that she was looking for me and needed to serve me & while standing next to her trunk wanted to know when would be back. I called Portfolio Recovery whom told me that they had no clue what I was talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

All.of these accounts on my cresot report that I didn't authorize proofnis in the uploaded file
Product: Credit card

I opened an Amtrak credit card issued by First National Bank Of Omaha XXXX  2024. I applied for the credit card because it was advertised that if {$2000.00} was spent within the first XXXX months ; the credit card holder would receive XXXX bonus points. The promotional advertisement said to APPLY NOW. So I did. After spending over {$2000.00} within the first XXXX months I received XXXX points ( the standard ). The first time I inquired, I was told the bonus points would be issued in increments. Months after not seeing my points on my account ; I contacted FNBO several more times. The last thing I was told was that I signed up on XX/XX/2024 & the promotion started XXXX XXXX, 2024. It was advertised on XXXX XXXX, 2024 that after spending {$2000.00} in the first XXXX  months the new card holder would receive XXXX bonus points. The advertisement stated APPLY NOW. I only applied for this credit card for the XXXX bonus points. This is false advertising ; the old bait & switch. FNBO should honor their promotion and operate their company with integrity & good customer service. I would like the other XXXX points owed to me. A little restitution is the order of the day. Thank you, XXXX XXXX.
Product: Credit reporting

I found today Experian had charged my credit card for " Experian *ProtectMyID XXXX CA {$39.00} '' I did not sign up for this service ; I already subscribe too XXXX XXXX, and credit monitoring service who guarantees XXXX dollars if your identity is stolen and your credit has been used and they do n't alert you. 
Well my identity has been stolen and if XXXX and XXXX credit reports look like Experian 's treatise XXXX pages front and back report along with XXXX financial company inquiries I 'm really going to be toast but I digress. 
I contacted Experian this morning and they will not cancel this service until XXXX, 2016 I have no idea why this a magic date but that 's what the customer service representative said. 
I would like the unknown service stopped and my money return to my credit card prior too XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) reference # ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  DEPT OF EDUCATION/XXXX  Account # 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
Product: Credit card or prepaid card

I am having some difficulties obtaining information regarding my 3 Capital One credit cards in " restricted status ''. 

I contacted the Capital One call center on XX/XX/2019 - the offshore representative said she would not obtain any details since it was with the Fraud Department but I was going to need to provide 3 documents for them to review. I was not willing to provide documents without more insight into what was happening or the issue being investigated. I asked to be transferred if a Supervisor but after waiting on hold for over 8 minutes -- I disconnected the call. 

I contacted the Capital One call center on XX/XX/2019 - I was routed through the auto-dialer to the Fraud Department. The representative was polite but unable to give me any detailed information about the status of my accounts. He explained I would need to provide a picture of my Oregon Driver 's License via a secure email link. Upon review, I would receive a phone call advising on the status of my accounts. I received the email, took 4 pictures of my ODL, and attached to the secured link and received a confirmation message indicating the transmission was successful. 

I contacted the Capital One call center on XX/XX/2019 - I was routed through the auto-dialer to the Fraud Department ( XXXX  ). I voiced my frustration about not receiving any status on the review nor a call as indicated by the XX/XX/2019 rep. XXXX advised no documents were received and provided a little more detail into possibilities of someone else attempting to retrieve or access my account. He did not or could not provide specifics. He sent me a new link to provide my documents and waiting on the call with me to confirm receipt. He was not able to confirm receipt since the documents again were not received. He was going to consult another party to confirm if there was a technical issue to explain why my documents were not being received. Then, the call disconnected. 

I can not begin to express to you how perplexing, concerning, and frustrating this has become to me as a long-standing Capital One customer. I may not have thousands of dollars of CC activity each year but I am definitely a customer who pays their bills and is paying monthly interest on my credit cards. I NEED someone to explain to me the specifics of the current restricted status of my accounts. I NEED someone to confirm receipt of my previous 2 submissions. I do not think it is too much to ask especially since it is MY personal information Capital One is requesting and asking me to compile without giving me any details. It is an odd way to do business and definitely lacks transparency. 

I noticed the restricted message on my Capital One mobile app when I was checking the status of my autopay. There has been no verbal or written outreach by Capital One to me to advise or inform about the status of my account either.
Product: Credit reporting or other personal consumer reports

company as of XX/XX/year>2025 XX/XX/XXXX is reporting a charge off of {$1200.00} on my credit report and has failed to provide me with 1099 c so I can report to Irs. and this account was paid in full.
Product: Credit reporting or other personal consumer reports

I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.
Product: Credit reporting or other personal consumer reports

I contacted the company to opt out of sharing my personal information with third party non affiliates per 15 USC 6802 and 16 CFR 313.7 ( f ) Continuing right to opt out and no action has been taken by the company.
Product: Debt collection

The company XXXX XXXX XXXX illegally reported to credit report agencies that I owe them money. The collection agency, XXXX, has refused to produce any documentation that substantiates their claims against me. Upon contact with XXXX, they responded with litigation unless the account is payed When prompted why they are targeting an uninvolved party they responded that spousal attachment justifies their actions. However, I am unable to find reference to such a legal theory anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. 

On XX/XX/XXXX, I checked their website and my information was part of hack described in their announcement.
Product: Credit card

On XX/XX/XXXX, I mailed a dispute letter to NAVY FEDERAL CREDIT UNION, requesting an investigation into inaccurate items on my credit report. The account in question is reported inaccurately and with incomplete information. Specifically, I requested NAVY FEDERAL CREDIT UNION provide the following details : - The due date of each payment. 
- The exact amount due for each payment. 
- The date when NAVY FEDERAL CREDIT UNION received each payment. 
- The amount received for each payment. 

Despite my clear and thorough request, I have not received any response from NAVY FEDERAL CREDIT UNION. According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their file, the creditor must conduct a reasonable reinvestigation to determine if the disputed information is inaccurate. 

It appears that NAVY FEDERAL CREDIT UNION has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors ensure the accuracy and completeness of information in consumer credit reports.

I request the CFPBs intervention to ensure that NAVY FEDERAL CREDIT UNION complies with its legal obligations and conducts a thorough investigation. Additionally, I seek assurance that the inaccurate information on my credit report will be corrected. Currently, NAVY FEDERAL CREDIT UNION is reporting a XXXX late payment for XX/XX/XXXX on XXXX and XXXX, XXXX XXXX shows this payment was made on time.
Product: Debt collection

I never received anything from midland credit only way I found about the debt is that it popped up on my credit report. During my first phone call with them. I stated that I would contact a attorney if I need to but that I currently do not have one. I tried to call back to settle the debt and they would not allow me to pay. I have this on voice recording which I stated that they were being recorded before the conversation. They want written letters and would not allow me to just pay my debt. I feel as if they dont have enough info about the debt and are trying to do something shady. When I tried to pay they said no.
Product: Credit card or prepaid card

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent equfax the 3 social on credit file they fail to do anything XXXX  and XXXX  fixed my issue ftc violation
Product: Mortgage

My mortgage loan was sold from XXXXXXXX XXXX XXXX to Newrez Shellpoint in XX/XX/2023. I started my electronic payments to the new mortgage in XX/XX/2023. The mortgage company receive payments for interest and principal only. I pay the taxes and insurance myself yearly for the last 4 years when I opted out of the service ( the property is worth about {$450000.00} and the loan is less than {$100000.00} ). Now I started receiving letters and calls from Newrez to pay late fees and fines for almost {$800.00} and that I have not paid the loan because they created and escrow account without my authorization and diverting my payments there to, according to them, pay tax and insurance. Also that the house its going to be in foreclosure. This Mortgage company is committing fraud trying to create fees that doesn't exist and harassing me to accept their terms or they are going to ruin my credit and have the house sold to recoup their fictitious fees.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal dispute regarding an issue with Experian, a credit reporting agency, concerning the inaccurate reporting of an address on my credit report. Despite multiple attempts to rectify this matter by phone and through written correspondence, Experian has failed to address the issue, which I believe constitutes a violation of Metro 2 Compliance and the Fair Credit Reporting Act. 

The address in question, identified by Address ID : XXXX and associated with Report number : XXXX, does not belong to me and has no relation to my financial history. Despite my efforts to contact Experian via phone and mail to dispute and request the removal of this erroneous address, they have refused to take action. 

Furthermore, Experian 's misleading information regarding their customer service protocol compounds the issue. Despite claiming that customers can call to speak directly with a live representative, my attempts to do so have been unsuccessful, leading me to question the accuracy and integrity of their customer service practices. 

I have attached evidence to support my claim, including copies of letters sent to Experian and records of phone calls made in an attempt to resolve this matter. 

In light of the above, I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with Metro 2 standards and the Fair Credit Reporting Act. Specifically, I request the immediate deletion of the inaccurate address from my credit report and clarification of Experian 's customer service procedures to prevent further misinformation and confusion for consumers. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Checking or savings account

my complaint is amounts chase bank my account was tampered with and funds went missing via XXXX  which left my accounts overdrawn and eventually leading to the bank closing these accounts due to this matter. this aligns with the current issue chase bank is facing against the CFPB for XXXX XXXX and unreturnable funds
Product: Debt collection

I have repeatedly disputed this asking for validation as I have no idea who Enhanced Recovery is or why they are reporting on my credit. They have never sent me anything in regards to this. This is a violation of the FDCPA and FCRA. PLease help me!
Product: Money transfer, virtual currency, or money service

I tried to send money by XXXX from BFA and put the information. It went to the wrong person and theyre not giving my money back. Both of us have BFA account but bank are not helping me to get my money back from the stranger. Were talking about a large amount of money which is {$3200.00} and my friend is desperately needing this money to pay his rent by the time that some stranger stole to easy money and using it. Were really need help to refuse the landlord evacuate my friend from the rental apartment. This transaction happened at XXXX XXXX XXXX. I need bank taking responsibility since theyre the one promoting XXXX app and I trusted them to use this app for my transfer..Please please advise ASAP. Thank you for your time and attention.
Product: Debt collection

COLLECTION LAW FIRM, PATENAUDE AND FELIX A.P.C. ( " P & F '' ) ILLEGALLY GARNISHED WAGES ON A TIMED-BARRED, UNSECURED PRIVATE STUDENT LOAN. THIS DEBT, WHICH P & F OR XXXX ARE NOT THE ORIGINAL LENDER ( XXXX ) OR CREDITOR ( XXXX ). P & F AND XXXX THEREFORE MUST ADHERE TO CONSUMER FEDERAL CONSUMER PROTECTIONS OFFERED UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). 

P & F HAVE VIOLATED SEVERAL FDCPA PROTECTIONS INCLUDING FAILING TO PROVIDE SUFFICIENT DEBT VALIDATION AS WAS REQUESTED ON SEVERAL OCCASIONS. RATHER THAN OPERATE WITHIN CONSUMER PROTECTION LAWS, P & F CONTINUED TO PROVIDE MISLEADING INFORMATION, DECEPTIVE INFORMATION TO EMPLOYERS AND OTHERS. 

ATTACHMENTS A-C ARE DOCUMENTATION THAT DIRECTLY SHOWS XXXX XXXX HAS NO LEGAL OBLIGATION TO PAY P & F WHATSOEVER. 

ATTACHMENT A IS THE " LENDERS COPY '' OF THE ORIGINAL LOAN APPLICATION/PROMISSORY NOTE SIGNATURE PAGE THAT WAS FAXED UPON APPROVAL OF THE PRIVATE STUDENT LOAN AROUND XXXX XXXX. 

NEXT, BY VIEWING ATTACHMENT B, WHICH IS A XXXX CREDIT REPORT FOR XXXX XXXX XXXX WHICH WAS REQUESTED ON OR AROUND XXXX/XXXX/XXXX. THIS ATTACHMENT CORROBORATES ATTACHMENT A. DOING SO BY PROVIDING THE DATE THE LOAN OPENED ( XXXX ) AS WELL AS PAYMENTS DEFERRED UNTIL XXXX/XXXX/XXXX. 

P & F HAS VIOLATED SEVERAL FDCPA PROTECTION PROVIDED TO CONSUMERS. NOT ONLY IS THEIR CONDUCT UNACCEPTABLE BUT IS IN DIRECT VIOLATION OF THESE PROTECTIONS. P & F MISREPRESENTED INFORMATION TO EMPLOYERS AS WELL AS COURTS IN ORDER TO SECURE WAGE GARNISHMENT. 

P & F HAVE NOT PROVIDED ANY CONTRACT AS PROOF OF XXXX XXXX 'S LEGAL OBLIGATION TO PAY P & F. THIS WAS REQUESTED BY XXXX XXXX 'S DEBT VALIDATION LETTER REQUEST AND BLATANTLY IGNORED SEVERAL TIMES. INSTEAD P & F CHOSE TO SIDE-STEP FEDERAL AND STATE LAWS AND VIOLATE FDCPA PROTECTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed for an income-driven repayment plan in XX/XX/XXXX. XXXX stated that I needed XXXX 's tax returns to complete my application for income verification. Prior year 's tax returns were not an option when filling out the application. They provided other options such as a pay-stubs, certified statement from employer, or proof of self-employment. I'm self-employed so any required forms from an employer are non-applicable. 

In XXXX I filed an extension for my income taxes which meant I wouldn't be filing until XXXX. I received an email on XX/XX/XXXX stating they were unable to process the income drive request form due to a lack of income verification I called and notified XXXX  that I wouldn't be filing until XX/XX/XXXX. They said they would accept XXXX 's tax return. I submitted the tax return and my income-driven repayment plan was accepted. The monthly payment was modified to {$0.00} retroactive of XX/XX/XXXX. I was notified via email by the credit bureau that I received seventeen 90-day late delinquency accounts posted by XXXX in XX/XX/XXXX. 

In XXXX, I called XXXX to remedy the situation. XXXX refused to remove the delinquencies from my credit report stating the items were reported accurately at the time. I informed them when submitting the application, there was only a field for XXXX 's taxes which I didn't have. It was the only thing missing from my application. The email sent on XX/XX/XXXX did list XXXX 's tax return as a method of income verification. It was not an option until I spoke to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE AUTO LOAN WAS PAID OFF EARLY. MY VEHICLE WAS INVOLVED IN AN ACCIDENT, AS A RESULT THE VEHICLE WAS A TOTAL LOSS. MY INSURANCE COMPANY SENT A LUMP SUM PAYMENT TO XXXX XXXX XXXX. THE LOAN BALANCE WAS OVER PAID. XXXX XXXX SENT ME THE MONEY OVER PAID BY MY INSURANCE COMPANY. MY LOAN WAS PAID OFF A YEAR IN ADVANCE IN FULL. 

XXXX XXXX PUT ON MY CREDIT REPORT A CHARGE OFF, DELIQUENT, COLLECTION AND A BALANCE CHARGE OFF. THERE WAS NO BALANCE OWNED AFTER THE LUMP SUM INSURANCE PAYMENT.
Product: Vehicle loan or lease

In 2015 I took out a loan to purchase a car from Ally financial the balance that is being reported as a charge off is currently at {$6100.00}. The issue that I have, is that ally was sued and found to have charged me and other minorities with excessive interest rates. I was included in the the law suit and received financial compensation for their illegal practice. However, they refused to remove the charge off from my credit. I have made multiple attempts to have them remove this. It is negatively affecting my credit and ability to purchase a home or receive other loans at a decent interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced XXXX, sent all they requested several times. 6 years later they still will not change my name, I am done battling with them XXXX I discovered I was identity thefted since then I have disputed and sent documents and still have done nothing to correct my credit report. 4 years battling. They have ruined me. And I am homeless because if their incompetence.