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

Capital One is holding transfers from another account I have at XXXX XXXX  for 6 days. The most recent transfer was for {$1500.00}. When I transfer money from Capital One to the XXXX account is available the next day with no hold. 

Capital One is also holding the availability of a {$2400.00} check from XXXX XXXX XXXXXXXX for 4 days. 

When I worked in a bank, these types of holds were only placed on very large transactions and international transactions. Not direct transfers or checks from large, established, financial institutions. 

They seem to violate Federal Reserve guidelines. 

Capital One refuses to release the holds, and refuses to not place the same holds on every future deposit or transfer. I've had this account for many years and would like to continue using it but these policies seem extreme.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me, there are several accounts that were open under my name that are not mine and need to be removed. Pleased remove these fraudulent unknown accounts form my report as soon as possible. 

DEPTEDXXXX XXXX {$10000.00} US DEP ED XXXX {$34000.00} XXXX   XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I complained about my escrow account being inaccurate since XXXX XXXX..I made complaints with Consumer Financial Protection Bureau and Department of Financial Protection . My biggest fear was our escrow account would be in a perpetual shortage because SPS initiayll had the escrow account correct when they became my mortgage servicer in XX/XX/. Then SPS did an incorrect analysis on my escrow account lowering my property taxes from {$18000.00} per year to {$2000.00} per year to {$9000.00} per year. I complained several times ... .I expressed that there was going to be a monthly shortage amount added to our mortgage that we would not be able to pay and we would lose our property .... MY BIGGEST FEAR HAS COME TRUE. SPS has increased our monthly mortgage amount over {$800.00} p0er month... We can not pay this. We just purchase our home and we are going to go into foreclosure due to SPS 's mistake ..... There has got to be something that can be done with this monthly shortage amount so that we do no go into foreclosure.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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
Product: Debt collection

no good catergory for this- violates cardholder agreement then demands ( via extortion ) to be paid on entire line.
1- never late on secured line ( upright law was on retainer -and you cant collect ) 2- under advisement of council I was told not to pay 3- refuses to allow me to open another SECURED CARD because of lawyers request. ( wants 12mos, w a normal 6mos review cycle ) 4- refused to reissue card as demanded 90 days ago. I moved and my mail was stolen. several items went missing.
5- refuses to purge account under part 209 of fcra- debt is not only disputed, it is denied in full.
6- law violations can not allow a company to extort ( must pay account or we wont close it ) customers for money. THIS IS SECOND EXTORTION ATTEMPT. TBI has been notified.
so has someone at TN.gov, bill haslams office. problem never resolved.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report I noticed accounts that were put in my name without my authorization. These accounts are fraudulent
Product: Checking or savings account

Acct Ending # XXXX, Date XX/XX/2021, Balance {$49.00}, Description XXXX XXXX received from XXXX XXXX. 

This payment I received via currency exchange. I paid XXXX XXXX XXXX and she paid me USD. After her payment confirmation, I sent her XXXX for the money exchange on the same day. 

Since I didn't know how XXXX works. I asked Capital One agent before she transferred the money to my Capital One account. I was told XXXX XXXX is like cash transactions. Once they send the money, they won't be able to withdraw it without authorization from account owner, no matter what they claimed for. As such, I accepted XXXX payment based on the agent 's information. 

After the sender received my money, she filed a fraud after a month. In order to clarify and investigate further, I filed a police report immediately since she got double payment. She received my XXXX XXXX. And she also got her money back. What she has already done is fraudulent. Based on the police report, Capital One should be able to understand what's happening.

However, slapping on the face, Capital One took the money out of my account without my permission. The bank is stealing my cash from my account! Even if the police has already been involved to investigate why XXXX XXXX XXXX made fraud case. As my bank, I require Capital One to keep my money safely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having the biggest issue with XXXX XXXX. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to XXXX XXXX. XXXX XXXX  charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. XXXX was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. XXXX XXXX keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.
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 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. 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 XXXX i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 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. 
nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent via certified return receipt mail ( attached ) data that included each the creditors request to remove fraudulent inquires off my Experian Credit File specifically that of XXXX Cards XXXX of XX/XX/2020 the next being XXXX of XX/XX/2020 and the remaining being that of XXXX XXXX of XX/XX/2020 since this date I have sent multiple disputes requesting the removal Of these fraudulent erroneous inquires., They Experian Credit Bureau have purposely and repeatedly ignored and failed to respond within thirty days of receipt of my request even though the individual letters from the creditors were attached thereto., In addition but not limited to, my XXXX  XXXX XXXX XXXX  changed my status to Paid As Agreed Back on XX/XX/2020 and it had been recorded and reported on my XXXX XXXX Credit File XXXX Also My XXXX  File as Paid As Agreed but my Experian File has failed to report the new status provided to them via XXXX XXXX XXXX XXXX , in no way am I disputing the account via XXXX XXXX XXXX XXXX , but I am addressing Experians lack thereof of not reporting what was provided to them as Paid As Agreed without the previously paid thirty days late portion., Experian has continually and continuously failed to respond via My Consumer / FCRA RIghts., It is my wish to first contact you and then seek out the professional services of my attorney to sue them for Willful Violation of My Consumer Rights., Please be advised that I am sending a copy of this dispute to XXXX XXXX XXXX XXXX  to verify in no way am I disputing this with them but rather the way in which Experian has been provided the new data back on XX/XX/2020 to my payment status to Paid As Agreed with the deleted previously paid 30 days late portion thereof
Product: Credit reporting or other personal consumer reports

XXXX and its affiliate XXXX XXXX XXXX is not updating fairly or properly. My fico scores are drastically dropped which hinders my financial opportunities. XXXX and its affiliates is reporting that my accounts on XXXX are in good standing but score is drastically dropping ie from XXXX to XXXX on XXXX. 
According to XXXX and its third party affilate nothing has change and payment history is good then why isn't XXXX notifying XXXX XXXX XXXX of accurate status which is all accounts are in good standing. Iam asking for this issue to be corrected as my financial opportunities are in danger and causing problems for future financial aid or assistance. 
In addition there are inquires that I did not authorize that's on XXXX and XXXX XXXX in platform. 
Lastly if there is no reason for change on report and score why is why score so drastically low. I will allow the stipulated time to have this issue corrected after that I will persue legal action starting with the credit bureaus in question and its affiliate. This issue is going on for years and i will get Washington credit representatives involved this has to stop.
Product: Debt collection

On XX/XX/2018 I received an email from XXXX XXXX stating an account was added to my credit report in collections by XXXX XXXX XXXX for the amount of {$520.00} and the open date is XX/XX/2018. The original creditor XXXX XXXX XXXX is not even on my credit report. I have not applied for any loans in years nor is there a hard inquiry for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account XXXX  XXXX with Equifax for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account
Product: Debt collection

I borrowed {$22000.00} from XXXX XXXX XXXX XXXX located XXXX XXXXXXXX XXXX XXXX in XXXX Alabama XXXX to have 5 solar panels installed onto the roof of my home. Since XXXX of XXXX I have made 32 payments on this loan ( XXXX ). On XX/XX/XXXX SUNLIGHT FINANCIAL sent a representative out to shut of my solar panels, stating that I was in default of my loan.

Previous to this I had been attempting via letters to find out why ( since I had been paying on my loan ) did the principle on this loan decreased {$110.00} in 15 months. XXXX XXXX XXXX XXXX  had been harassing about late fees and I wanted to verify the amount they wanted to charge me along with having them explain to me why after 15 months the principle of my loan ( according to their records ) had come down {$110.00}? 

I wrote XXXX letters to XXXX XXXX XXXX XXXX requesting that they send me information containing dates and payments made to the Principle, Interest and late fees. My first letter was written and sent in XX/XX/XXXX. Since then they have sent me a financial statement without a running balance showing me that late fees were being taken out of the money which I had been sending to pay on my loan. Then it appears that they were then accusing me of not paying on my loan. 

It didn't matter how many times I wrote to request data on the principle and interest of my loan, it didn't matter that two letters were sent from XXXX XXXX XXXX citing my rights under the Fair Debt Collection Act,15 U.S.C. 1692 ( g ) or the Pennsylvania Debt Collection Trade Practices Act, 37 PA. Code 303.7 or the Fair Credit Reporting Act. 15 U.S.C. 1681c. they seemed to thumb their noses at my rights to see what they are doing with the money I am sending to them!

I would appreciate your help in this matter. I feel like they are stealing money from me! Thank you for your time and attention to this matter.
Product: Debt collection

BULL CITY FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX has repletely sent collection notices ignoring my dispute with proof of insurance & self pay payments. I sent all prof to all 3 credit bureaus as well as Bull city, the credit agencies did their investigation and deleted/updated my reports. Now Bull City keeps deleting the account from my credit and then reporting the account to my credit. The latest report to my credit was on XX/XX/XXXX. 
I originally sent all proof to original creditor on XX/XX/XXXX, my 1st collection letter was sent on XX/XX/XXXX and on XX/XX/XXXX I responded with copies of all payments. I sent the credit bureaus my proof on XX/XX/XXXX and shortly after the account was removed. Since then Bull City keeps removing and adding the account to my credit. 
I wish to file a formal complaint as I have sent proof of payment to all involved, and after investigation it was determined account was in fact paid in full and Bull City is stil trying to get me to double pay as well as destroying my credit with the constant report/remove/report that they are doing.
Product: Consumer Loan

I have written to Mid-Atlantic Finance Company about providing me with a copy of any viable evidence bearing my signature showing the account is being reported accurately to the credit reporting agencies. On XX/XX/2016, I received a letter about what I had asked for, then I preceded to wait til 31 days to see if they would provide a " notice of dispute '' to the credit reporting agencies like the law requires them to do so. When I checked my credit reports, they have not provided the statement that I had disputed the item directly to them by letter. They were suppose to place the statement that I had " disputed by consumer '' in the remark area on all the credit reporting agencies. They have not done a thing and it 's been over 30 days. I sent them another letter saying they have violated the federal law to place a Notice of Dispute to all the credit reporting agencies within 30 days time frame. They have violated the FCRA. My letter clearly says to them that all they have to do is remove their company 's name and the negative remarks off my credit report on all the credit reporting agencies because they have broken the law and I will not decide to take them to court. I also let them know that I was going to report them to this website as well. Since they violated the Federal law I wanted them to know that I was going to take them to court in my area and I was suing for {$5000.00} in damages for the following : defamation, negligent enablement of identity fraud and violation of the FCRA. They still have not place the notice of dispute on my credit reports. Now I just want them to delete their company off all my credit reports, if not I will decide to get a lawyer and take them to court. All they have to do is delete the item off my credit reports. I have proof of every letter that I have written to Mid-Atlantic and their response to my letters in return. I will be going to court because I can proof my case.
Product: Checking or savings account

I opened a basic checking account at PNC Bank on XX/XX/2016. Starting in XXXX this year, they began charging me a monthly maintenance fee of {$25.00} without any prior notice. According to the account opening documents at that time, I should not be required to pay any account maintenance fees as long as I maintain a minimum balance of {$500.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation.

Remove all requested information and to restore my credit score.
Product: Debt collection

Called my father and asked for information on me. Would not say what they were calling about except to say that they were calling about a legal issue. They did not call me first instead they contacted my father. I have heard nothing from them even now.
Product: Debt collection

My number was provided as a reference and I continuously get calls even after I 've asked the company to not call me looking for the borrower or to relay a message to their borrower who has a working phone number..
Product: Mortgage

On XXXX XXXX, 2017 my loan closing for my home loan with XXXX XXXX XXXX was held. Prior to this closing, the Securitas Mortgage, Mortgage Broker representative XXXX XXXX ( NMLS # XXXX ) had informed me that the funds I should receive back after the closing ( from previous escrow as well as any additional funds ) would total {$1200.00}. During the closing the Notary ( XXXX XXXX with XXXX XXXX, XXXX ; XXXX ) mentioned that the cash amount to be received back to me was listed on her paperwork as {$500.00}. When I mentioned that this was not the amount discussed with me by XXXX XXXX prior to the closing, I then paused the closing to give him a call and after some checking while on the phone he then determined that {$700.00} had inadvertently been left out during the processing of my paperwork. At this point he then confirmed this to the Notary, XXXX XXXX, over the phone during the closing. XXXX XXXX then said that if we would continue with the closing he would send me a check for the amount left out in error - {$700.00} - within the next day or so. Although I did receive the {$500.00} amount first mentioned by XXXX XXXX within a few days, I did not receive the remaining {$700.00} the Securitas Mortgage Broker assured me that I would receive if I proceeded with the closing. During the next week the promised check did not arrive from XXXX as promised, nor in a wire transfer to my bank account, which was also promised on numerous occasions. The Securitas Mortgage Broker representative even promised twice to drive a check to the nearest XXXX XXXX XXXX and deposit the check directly into my account on at least two occasions. It has now been 40 days since my closing and I still have not received the remainder of the funds I am due. I have at least several dozen emails from Securitas Mortgage relating to this issue and promising to resolve this situation, and nothing is being done. A few days ago I then sent an email to the Securitas Mortgage President and also sent an email and left several voicemails with XXXX XXXX, Mortgage Consultant ( NMLS # XXXX ) who processed the loan, and have received no response from either of these Securitas Mortgage representatives regarding my situation. Once again, I have numerous emails from Securitas Mortgage acknowledging responsibility for this amount owed of {$700.00} and promising payment, and the XXXX XXXX XXXX notary XXXX XXXX also remembers payment of this amount being promised by phone during the closing, however nothing is being done and I am not receiving call backs when I leave messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized XXXX  that shouldnt be on my credit profile
Product: Student loan

In XX/XX/XXXX, XXXX, XXXX, and XXXX of XXXX I was going through financial hardship and was late on those payments. I hit points of not having internet, phone, or vehicle to get into contact with this company. I have been deferring both loans recently due to the coronavirus outbreak and the hardship I am dealing with at the moment.