23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I, the consumer and natural person was denied credit, my account was put on restriction, and it was reported to the credit reporting agencies XXXX and XXXX that the account was closed, without my consent by Capital One when I exercised my right to remit my payment coupon. I endorsed and submitted my remittance coupon to Capital One that was delivered on XX/XX/XXXX via certified mail. My balance was {$390.00} of a {$400.00} limit, I submitted my coupon for {$350.00}. On XX/XX/XXXX I got various notices in my online documents saying my spending privileges was suspended and my account was restricted. Also stating that it was because of severe delinquency or over limit status, which it was neither my account was in good standing. I didnt notice this information until XX/XX/XXXX and saw that I sent my remittance coupon to the incorrect address that processes those transactions. So, I resubmitted a new endorsed remittance coupon for the amount of {$350.00} and sent it via certified mail that was delivered on XX/XX/XXXX. Since then, my XXXX XXXX alerts has notified me that the credit reporting bureaus are stating my account with Capital One is closed. Capital One now has two of my original endorsed coupons I have sent. Since there was no return of my negotiable instruments, they have now accepted 2 payments towards this account. The company has failed to apply the remittance to my balance, failed to acknowledge reasons as to why the instruments were not accepted for payment, even though they were not returned ; which by definition is accepting payment per each coupon, and have continued with defamation of character in credit bureau reporting, all while harming a living soul.
Product: Debt collection

Contacted three times by XXXX XXXX XXXX In California on XX/XX/XXXX XX/XX/XXXX, andXX/XX/XXXX about a debt with XXXX XXXX for my CareCredit Card. I do not nor have I ever had an outstanding balance with this bank as shown in my statements and from contact with this bank. The customer service agent has a different address than mine. This is clearly not my account. I have asked several times for them to stop contacting me and do not want to via mail as I do not want them harassing me in person or with endless letters. I have blocked their number, but I have gotten calls from other numbers instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15usc1681b no permission to post anything. I, the consumer controls what goes on my consumer report. Fraudulently placing is grounds for imprisonment and or {$1000.00} per violation.

Privacy law broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOV'T by preventing unauthorized disclosures of such info. Individuals have the right to review such info, request corrections, and be informed of any disclosures. 
I have not applied for anything, on the XXXXXXXX XXXX accnt or the XXXX XXXX ACCOUNT in collections with receivables XXXX XXXX. 
Medical is a HIPPA violation that should ONLY be discussed by the consumer and the facility, according to 15usc1681a ( i ) ( 2 ) sharing with anyone else is a violation and against privacy laws as stated above. It is a fact, affiant is aware, medical can not include. 
XXXX I never opened a bank account or had a credit card. When I called they couldnt even find a bank account. I am not military. This is fraudulently opened somehow. I filed a FTC report and been fighting to get this removed. They never provided and validation proof of the account. How is any of these account verified. A bill isn't justifiable either.
Product: Debt collection

So I noticed a collection account on my credit report. So I called the collection company ( XX/XX/XXXX ) they told me the amount due if I didn't plan to continue the college course would be XXXX. ( Talked with XXXX Ext XXXX ) Over a week has past and the payment was reported to the credit bureau but still had the original balance as if I would wanted to finish the college course. I called again today ( XX/XX/XXXX ) and they said they never told me that amount, and that I still owed more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is not only breaking laws but destroying my credit. I have filed multiple complaints about the fraudulent account XXXX. This company has opened and closed this account TWICE please see attached proof. 
15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 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. 

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

Yea they toke all my information n they blocking all my bank accounts n taking my money n XXXX n California state lottery
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I want to express my concerns regarding Zelles handling of disputes, particularly in reference to the most recent lawsuit against CFPB highlighting issues with Zelles platform. Despite using Zelles multiple times and reporting discrepancies to my bank institution and Zelle they have failed to investigate the claims adequately. They have informed that recovering lost funds is not possible. The CFPB reports state that Zelle failed to protect its consumers leaving us vulnerable as consumers.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed that i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$620.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$2100.00} Company or Organization : XXXX XXXX XXXX XXXX XXXX began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$1600.00}
Product: Mortgage

My loan was sold and the servicer is Fay Servicing, 1st I was laid off XX/XX/XXXX I applied for Keep Your Home, CA which they sent the request to Fay Servicing 3 to 4 electronic submittials. I spoke with XXXX my case worker with Fay Servicing from XX/XX/XXXX through XX/XX/XXXX about where is the electronic document from Keep Your Home CA, each time he spoke they did not have a profit and loss department, finally requested a supervisor, and she provided her email with no help. Keep Your Home expressed that if Fay servicing doesn't agree and return the document it was out of their control. Finally the middle of XX/XX/XXXX, XXXX said he has the Keep Your Home document., but I already notified Keep Your Home I returned to work, therefore I would no longer qualify under their program as unemployed and was instructed to apply with Fay Servicing . I applied for assistance with Fay Servicing to get my mortgage current and I have been waiting for the response since it was submitted in XX/XX/XXXX. Yesterday XX/XX/XXXX, Mr. XXXX XXXX, my case worker for Fay Servicing said I did not qualify they would not move the 1 month behind to the back of my loan and further insulted me saying I was living beyond my means. In addition, I have other concerns regarding the handling of my loan : early this year Fay Servicing constructed to not uphold my modification : no longer were they going to pay for my homeowner insurance, ( Fay Servicing has the loan modification document ) I supplied them the HOA master policy, although this was in my original loan modification XX/XX/XXXX with the previous investor/servicier ( XXXX XXXX XXXX  ), Fay Servicing discontinued paying it. I'm currently paying it. 2nd my mortgage payment went from {$1800.00} to {$2000.00} a month Fay Servicing said there was not enough in escrow due to my property tax. There is no increase in property tax of an additional {$2600.00} a year. I explained there was no problem with escrow prior with the previous servicer. Mr. XXXX XXXX email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just informed that this company exists and I asked for a copy of my credit report. Comes to find out there is TONS of old, outdated, wrong information in CREDCO 's files. 

They have in their files old old OLD information that has been removed from everyone else 's files ( the big 3 ) and others and I was surprised to find that this information is STILL lingering. 

Please remove XXXX XXXX XXXX - acct XXXX- this collection has been removed from every single credit bureau 's reports .... WHY IS IT STILL ON YOURS?? 

XXXX - is someone else 's account- WHY IS IT HERE ON MY REPORT??? Please remove this account There should be NO social security variations in my records... 

Please remove ALL variations of SS # and please only KEEP one ... the RIGHT one. IT is : XXXX Please remove ALL other names except for XXXX XXXX XXXX ALL OTHER NAMES are INCORRECT. Please remove XXXX XXXX, & XXXX XXXX. That is all I can see at this time. If there are others please remove them as well. 

Please remove these addresses as they are not longer valid, nor current : XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, fl XXXX All of the following inquiries have also been deleted by all 3 big credit bureaus .... Please remove these inquiries from my file as they are fraudulent, have a police report filed for them and must be removed. They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank YOU .
Product: Debt collection

I was a victim of identity theft and noticed a collection from MONTEREY COLLECTION / MONTEREY FINANCIAL SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MONTEREY COLLECTION / MONTEREY FINANCIAL SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit card

My card does not have a balance, and has plenty of available credit. 
I tried to make a purchase at the Apple Store for a new computer.

This is my Apple Card issued by Goldman Sachs.

They declined the transaction, and then locked the account for potential fraud.

The reporting system for this card does not display the declined transaction, and there are not any notifications on my web portal to manage my card.

Every time I call in to discuss with someone, I get conflicting answers of a mandatory 2 day, 5 day, or 7 day review. There should not be a review, there wasn't any fraud.

I've confirmed the transaction, I've confirmed my identity- but I'm an not being allowed to make a purchase until they finish their review.

The " Supervisors '' I've spoken with in the Fraud department indicate there is not possible way to discuss this with anyone above them. They do not have the ability to discuss, message, or email this mysterious review team. I'm being punished and I'm not being allowed to use my available credit to make a very necessary purchase of a new computer. 
I'm losing money in my business everyday that I am not able to work properly.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union concerning several overdraft fees I have been charged. Even though I had enough funds at the time the transactions were authorized, I was still charged fees because of delayed posting of charges and credits. This situation mirrors recent findings by the CFPB against XXXX XXXX for similar actions, where transactions were processed with insufficient balances despite having available funds initially. I consider these practices unjust and request an investigation into the transactions on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i, am a victim of identity theft from XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These companies has fraudulant accounts on my profile that needs to be removed immediately.
Product: Student loan

Within the past year I consolidated my loans under the federal umbrella in order to take advantage of the option now titled SAVE. I set up automatic payment as an option with NELNET, my assigned servicer, which was confirmed. The first payment was due on XXXX XXXX. As of the XXXX, nothing has happened. Although the web site states that processing may take two days to process, my account has now been placed in overdue status. NELNET no longer responds to e-mail requests fir information. Worse, I was placed on hold for nearly four hours today trying to reach NELNET. I finally gave up... it is far easier tobreach the IRS than NELNET! I assume that there is some routine issue that explains why my payment has not been processed, but why am I being placed in an overdue status? It is frustrating not being able to conmunicate with my servicer, and unconscionable that when I have done everything required to ensure timely payment, I am being treated like a drlinquent drbtor.
Product: Payday loan, title loan, or personal loan

I am trying to pay this loan off as Details were very misleading when applying. I pay {$300.00} plus dollars a momth and I have paid less than {$50.00} to the original loan amount. When trying to pay what they deem the payoff amount I can not make payment nor reach someone in customer service. While all along interest accrues daily. This was by far XXXX of the worst financial moves I have ever made. There are hundreds of complaints against this company. I would like to pay off this loan and NEVER hear from this crooked thieving company again. I have lost my childs medical insurance. Had utilities turned off, all due to the financial strain this bogus loan has caused me. They are the worst kind of predators I have encountered.
Product: Checking or savings account

On XX/XX/2019 a continuous OD fee of XXXX was applied to my account although my account was positive. My account was negative from the friday before up unitl XX/XX/XXXX when my direct deposit hit my account making the account positive. So on Sunday XX/XX/XXXX I called the bank spoke to a CSR tried to explain the above she said the fee was applied for XX/XX/XXXX on XX/XX/XXXX i said that makes no since because theres a XXXX fee on XX/XX/XXXX she hung up in my face you can hear the phone hanging up. I called back filed a complaint asked for the call to be pulled it is XX/XX/XXXX no one has addressed this issue yet. okay i go into my online account and notice that OD charges came out on XX/XX/XXXX for 3 days as if i never brought my account positive. I called again she saying i had things pending that i cant see my account is negative when the OD charge was applied on XX/XX/XXXX but i cant see. Then after going over common since of this makes no since what do you mean i cant see it why are you seeing different amounts than me that sounds like fraud. she then tells me to go in a branch. I go in to a branch on XX/XX/XXXX speak with a representative we both see what im saying but the branch manager says no she had a XXXX pending charge. I said no the XXXX is an atm withdrawl made at a XXXX ATM I made that withdrawl around XXXX am if my account was overdrawn on the morning of XX/XX/XXXX I wouldnt have been able to make that withdrawl and even after the withdrawl I still had money in the bank. So lets say i did owe you XXXX it was a positive amount i paid the XXXX on so why would fees be deducted on XX/XX/XXXX as if the account was never positive. I said the continuous OD fee must communicate to your system that my account is negative and this was an error causing other things to be reversed and more fees assessed. I would like an audit of my account as far back as 4 years looking into how many times this has happened in the past. and i want a refund of all fees assessed to my account do the error of the OD fee applied on XX/XX/XXXX and after.
Product: Debt collection

Atlas Credit Company opened a fraudulent account in my name after an individual stole and used my personal information. Atlas allowed this perpetrator to open an account with a printed paper ID and obviously forged supplemental documentation. The account was opened on or around XX/XX/2019. After identifying the credit inquiry and subsequent account opening Atlas was contacted and informed of the fraud. They were also provided a copy of the police report opened with XXXX Police with the accompanying Report # XXXX and the direct contact information of the Detective assigned to the case. After Atlas was notified of the fraud they confirmed they would flag the account and that my personal credit would not be affected. As of today they have not taken any action on this fraudulent activity and began reporting this fraudulent account as delinquent causing my credit score to drop from XXXX to XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a credit card at Neiman Marcus. 
My application number was XXXX I was refused credit The denial letter stated that I had an invalid or missing credit score I have hade credit for forty-five ( 45 ) plus  years My credit score is between 760 - 805 points at all credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX credit card account with XXXX  and directly with Synchrony Bank. XXXX is stating that this account has been verified with the company but Synchrony bank is saying that they are reporting accurate information to Transunion and if I have any issues to contact XXXX. This account with XXXX account # XXXX was opened on XX/XX/2014 and was paid in full. This account was never included in a bankruptcy. Furthermore I have asked XXXX to provide me with verifiable information of what the furnisher ( Synchrony Bank ) sent to them as evidence that the information is correct and a description of the investigation procedures used to verify my account. XXXX has not provided me with that information and all Synchrony bank provided me with is the attached letter which is vague and putting the onus on XXXX. As per Section 609, I am entitled to see the source of the information.
Product: Debt collection

The original collector is XXXX XXXX XXXX. This debt is a charge off, the account is now closed. Then XXXX did not pass the correct info to XXXX XXXX XXXX and they now have this sitting on my credit report as open collection and now have some other people name XXXX harrasing me calling me and texting me to collect payment .I have asked to provide me proof of a validation letter where it says Im responsible of this with XXXX XXXX XXXX and of course they never did. I need this to be remove off of my credit report please. XXXX and XXXX has it as open collection account. XXXX is the only credit bureau that has it as closed account because is a charge off. Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have improperly re-aged an account on my credit report to XX/XX/XXXX, have continued to report it past 7 years since Date of First Delinquincy, and I have suffered damages in my attempt to get a mortgage after inaccurate reporting reduce my credit score. 

A closed and paid derogatory XXXX account ending in XXXX was disputed by me in XX/XX/XXXX as too old since Date of First Delinquincy and XXXX alleged the information was accurate and still reportable. In the attachment you can see that the payment history for XXXX is vacant and unreported even though XXXX claims the date of first delinquency was XX/XX/XXXX. The actual date of first delinquency was in XXXX of XXXX. 

Instead of leaving the line as it was, Equifax and XXXX alleged the line was validated and then re-aged the line as new delinquency at the end of the dispute ( see attached new reporting date ), which resulted in a XXXX point drop in my Fico Score XXXX ( see attached score alert ). 

The decrease to my Fico XXXX score ( which happened solely due to the re-aging of the XXXX line after the dispute ) resulted in higher interest rates for a mortgage loan I applied for, another score drop for an inquiry, and a resulting higher loan payment for the new loan I applied for. I, therefore, suffered damages for which I am consulting legal advice. 

I am requesting that Equifax and XXXX delete the line which is now 7 years past Date of First Delinquency and is being reported in violation of the FCRA limitation on derogatory reporting, or alternatively restore the prior version of the report by XXXX which existed prior to XX/XX/XXXX, with complete and accurate payment history since the loan was established in XXXX. 

I have again disputed these two matters directly with Equifax Dispute Center, confirmation number XXXX, and I expect Equifax and XXXX to now take the time to review my dispute by looking at the payment history and reviewing the accuracy of this line on my report, instead of just copying and pasting the claim of valid reporting by XXXX. 

I am hoping the CFPB process can resolve this issue.
Product: Debt collection

The company began calling my adult sons cell phone, a number I have never used personally or listed on any account with anyone. My son explained that it was not my phone number but he could take a message, they repeatedly refused stating " we'll just try later '' and hung up before my son could say more. Finally, my son told them to stop calling because I could not be reached at that number and they hung up on him again. I called the number that they were calling from and tried to let them know that his was not a good number for me and has never been listed on anything for me. Since I do not know who they are or what they might be calling about, I would not " verify '' my personal information and when I would not, they would just hang up on me. I also explained to them that if this is about a specific bill ( the only one I have in collections ), that another company is also calling me stating that they are trying to collect this bill, so I need to verify who is supposed to be collecting this bill before I will give out any information. The lady just said, " oh no, it's not that '' and hung up. If the company is not going to identify themselves when asked or do anything other than hang up on me, it seems as if their intent is to harass, not collect. My understanding is that harassing phone calls, even from a legitimate debt collector, are illegal.