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

My wife and I had several " 360 Savings '' money market accounts with Capital One. The company introduced their " 360 Performance Savings '' High Yield product without informing current clients or enquiring if we wanted to transfer our existing accounts into the new product. Thus, until we found out about the change, we could have been earning 3.4 % APY rather than 0.3 % APY. We lost several XXXX dollars through this failure to inform by Capital One. Note that this complaint form only allows us to add a single account number.
Product: Checking or savings account

My mom passed away XX/XX/XXXX. I am executor of her estate. My mom had XXXX and was a victim of fraud, CHASE allowed someone to use zelle with multiple zelle id 's to withdraw money for 2 years from my mom 's account. It says she zelled herself. Someone also made purchases on her account that was complete fraud. Chase told me their loyalty stops with clients at death. They said because some of the fraud happened in XXXX, they are unable to refund the charges per XXXX guidelines XXXX They refused to refund the XXXX fraud even though my mom was hacked. Please help.
Product: Credit card or prepaid card

Paid account in full request a replacement credit card. They stated they closed the account later had to pay XXXX and reapply for credit again. Navy Federal credit union
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVING PROBLEMS WITH TRANSUNION UNION CREDIT REPORTING AGENCY TO GET TO REMOVE INACCURATE INFORMATION THEY HAVE ME IN THEIR FILE AS XXXX XXXX XXXX XXXX, I HAVE SENT THEM MY ID 's WHICH SHOWS THAT I AM A XXXX, SO THERE FORE THEY ANY DEROGATORY INFORMATION, I AVE BEEN THROUGH THIS FOR TWO YEARS, I AM DEPENDING ON YOU TO HELP WITH THIS, NO MORE PHONY VERIFIED STATEMENTS FROM THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I traded in my vehicle to XXXX XXXX XXXX XXXX my car payment from my previously lien holder ( Flagship Credit Acceptance ) was due on XX/XX/2021. After trading my vehicle I received several calls from Flagship and I stated that I no longer have possession of the vehicle, I signed documentation to trade my vehicle. Several times Flagship still contacted me about the payment of the vehicle, I had no idea that the vehicle was still not properly paid off. I tried to contact XXXX XXXX several times, I even went to the dealership was never able to get in contact with anyone in the financial dept. The only person to my assistance was my sales rep XXXX. He tried to figure of why the car still was not paid off, he was really good with communication. He stated the financial manager stated it will be taken care of. However, the bank delayed the funds to XXXX XXXX which caused a delay in the car being payed off. XXXX told me the manager XXXX would contact me because of how upset I was. I called XXXX to see the status of the car loan they told me it was paid off XX/XX/XXXX, or XX/XX/XXXX I believe. I was relieved until I seen my credit score dropped Tremendously, because of the 30 day past due on this account. It was not my fault, I no longer had possession of the vehicle. I really wish Flagship would consider removing the delinquency of the account. I was a good customer with good payment history, and I was unaware of the trading process due to this being my first trade in. I feel both companies are in the wrong and it is causing me to have an effect.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial currently has payments over 30 days late during XX/XX/2018 reporting on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit monitoring service reported to me accounts and inquiries that were n't mine in XXXX. I tried to access my free credit report from TransUnion on line but TransUnion did not accept the information I provided. I was able to order a report by phone using my social security number, but the report I received was in the name of a woman with the same first name as me and a social security number that matched 8 of the 9 social security digits. The address, phone numbers and birth date matched mine but the credit accounts included both hers and mine. I finally got the fraud department to check into separating the two files after my letter requesting it was ignored with the complaint they could n't read my driver 's license, which I believe is purposefully designed to not be copied and scanned. I requested a credit freeze but was told I could n't because of the commingled file. TransUnion put a security freeze on my file with my cell phone number for verification, but the freeze ended up on the other woman 's account with my phone number. I am still getting confirmations from XXXX in the other woman 's name at my address. I have received someone else 's credit report and social security number in the mail. Her credit report also listed her address and phone number in the file. This is third time this woman 's information has ended up in my file and it is worse this time because I am retired and cutting back on my debt while she is increasing hers. TransUnion uses social security numbers as identifiers but seems more interested in like numbers than exact numbers. TransUnion will not give me a free freeze and I do not know how to protect myself from losing my credit identity again.
Product: Credit reporting or other personal consumer reports

unauthorized inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XX/XX/XXXX at XXXX, I received an email that I had an important update to my student loan account. 

XX/XX/XXXX at XXXXXXXX XXXX I attempt to sign in and it rejected my password. 

XX/XX/XXXX, XXXXXXXX XXXX I requested to reset my password. 

XX/XX/XXXX XXXX When no passcode showed up in my inbox I pressed the button that I never recieved the email and I needed it resent. I checked my inbox and my spam folder consistantly for the next hour. 

XXXX I call the XXXX number to contact a representative. I was told the wait was XXXXXXXX XXXX and they would call me back. I left my cell phone number for them to call me back. 

XXXX I recieved 2 emails with veritfication code to reset password but they were expired by the time I got them and I was still unable to login. 

XXXX still no call was returned from Mohela
Product: Debt collection

I purchase a timeshare from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Fl. I had a mortgage which was paid off in less than a year. XXXX XXXX has charged me for maintenance fees but refuses to give me the week which they are charging me for. Now they have recruited this crooked company Aspen National Collections is a national debt collection agency with specialized expertise in consumer debt collections for companies involved in timeshare or vacation ownership resorts, educational loans, utility cooperatives and other niches which robs timeshare or vacation resorts owners by adding ridiculous fees to their maintenance fees. I was charged for XXXX fees {$820.00} & {$190.00} for taxes. With the additional fees, this crooked company wants to charge me {$1600.00}. Blocks my usage. 
Both companies teals my weeks which are already paid since XXXX as well as my extra vacations which they sell to companies like XXXX ; XXXX XXXX  and XXXX to name a few. They NEVER have anything available for OWNERS, who are forced to pay maintenance fees unless they book a year in advance thru another company which OWNERS are forced to sign up with or they are unable to use their week. This company now forces owners to pay to extend their week!! Ridiculous. What you think you buy or own is not what you get. The salespersons lies to unsuspecting prospective owners. This is a lucrative business but a night mare for owners!!. COVID-19 FORCES THEM TO SHUT DOWN AND NOT SERVE THE OWNERS BUT THEY DIDN'T SHUT DOWN OR REDUCE THE MAINTENANCE FEES!!! My job was affected, but they didn't want to hear nothing!! 
This should be illegal. These companies should be banned for financially raping consumers especially our millennials. Something must and should be done to stop these crooks!!! We need help!!!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX 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 an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One prepaid and XXXX credit card are reporting twice and sometimes three times a month, lowering my credit score purposely. The XXXX of the month is when my prepaid is due and reported. The XXXX of the month is when the XXXX is due and reported. 

Since XX/XX/2018 the reporting has been repeatedly during a 30 day period when its only to be once a month. 

XXXX is working with Capital One and XXXX lowering my score by over 103 points in less than 6 months. Only raising it by 1 or 2 points and I pay my bills on time, pay off my debts early and keep all debts paid on time, yet my score is now, again XXXX from XXXX.
Product: Mortgage

Previously I sent in a complaint request because I am asking my mortgage company SPS to allow me to pay my own escrow account. ( Taxes and Insurance ) They sent you an older value than the current value of the home and you closed my complaint based on that information. With my new complaint, I am attaching proof of my home 's current value from both XXXX and XXXX. Please disregard the OLD information SPS is trying to use as FALSE PROOF and have them to allow my request. This company SPS is not being honest with me or you. 

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

l. I am writing to bring to your attention several instances of inconsistent personal information on my credit report. I have identified discrepancies in names, addresses, phone numbers, and employer details that I believe are impacting the accuracy of my credit profile. In reviewing my credit report, I have observed the following variations : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX Phone Numbers XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Spouse or Co-Applicant : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I acknowledge how important it is XXXX have accurate and consistent personal information in my credit report. Such inconsistencies may result in credit reporting inconsistencies, which have an influence on my financial condition. I respectfully request your assistance in investigating and fixing these issues as soon as possible. 
Please find supporting paperwork such as my utility bill, a clear photo of my driver 's license, and my social security card enclosed with this letter, and this proves the accurate facts linked with my credit profile. I appreciate your attention to this matter and am confident that with your assistance, we can resolve these discrepancies promptly. Thank you for your time and cooperation in ensuring the accuracy of my credit report.
Product: Debt collection

In response to MIDLAND CREDIT MANAGEMENT : This company has obtained my information from XXXX XXXX  unlawfully. I did not give them my consent to have access to my information. They received my information from XXXX XXXX XXXX which means they've engaged in aggravated identity theft. XXXX XXXX knowingly transferred, without lawful authority, a means of my identification. Furthermore, I am the original creditor of the account and I do not validate any debt that is allegedly owed. According to the FDCPA only a consumer can validate such debt, which makes their statement of me owing a debt and the debt being valid is very much an invalid statement. Therefore, the alleged debt is NOT valid nor owed by me, the consumer/natural person. They also state that they were advised by credit reporting agencies to furnish such information on my consumer report, which is a violation of the FCRA. This company did not have permissible purpose to furnish anything on my consumer report. They did NOT receive my written instructions to furnish such information on my consumer report and I have never engaged in ANY consumer credit transaction with them, therefore they are violating federal law. I have never had a contract with this company, therefore I am being taken advantage of by MIDLAND CREDIT MANAGEMENT.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

Experian has not even tried to investigate my identity theft, I have given them the names of the fradulent accounts yet they keep sending me a letter saying I did not provide them with enough information, the other XXXX credit agencies actually investigated and removed the negative items Experian refused to investigate. Is it not the law to investigate identity theft accusations to make sure the information is accurate. Experian 's investigation department is little to non existent apparently and the FCRA has been violated.
Product: Debt collection

Retails Merchant Association has a collection on my credit report for a debt that was paid as a result of a lawsuit by my attorneys. I have filed several disputes ; however, they continue to say the debt is accurate and refuses to remove the false collections off my report. Further, they harass me by continually calling to collect a debt that's already been paid to the original creditor. This debt needs to be removed and the phone calls need to cease.
Product: Mortgage

I am very disappointed about the forbearance plan with Rocket Mortgage, now it comes out that they want the deferred payments when plan ends, they want to charge me double. On the surface it looked like the payments were going to the end of the loan, but turns out they want to double their money, so very disappointed. Wow, talk about deceiving the customer. Biggest lie ever, that they help during this pandemic. Yeah, I don't HAVE to make the payments but after the forbearance plan is over, Rocket Mortgage want ALL their money or they will try to refinance you ... Such a HUGE lie!
Product: Checking or savings account

This evening I was called by a navy federal number and they took XXXX dollars from my accounts. After talking on the phone with navy federal I was told that they will submit a fraud claim but it isnt likely that I would receive any money back. I did not authorize these transactions. I was told I needed to wait until the payments posted before I could submit a claim on XXXX of the money taken from my family.
Product: Credit reporting or other personal consumer reports

The recent late payments do not align with my usual payment history.
Product: Credit card

I received my credit card statement, from Continental Finance on XXXX/XXXX/15 and noticed there was a late fee of {$35.00} applied to my account. I spoke to XXXX and I explained how there was a delay with my bank sending the payment. XXXX, the supervisor, waived the late fee for XX/XX/XXXX. My XX/XX/XXXX statement, shows another late fee of {$35.00}. I asked XXXX why there was another late fee, and she said because I did not pay the {$75.00} for XX/XX/XXXX. I told her, I paid the {$35.00} and the other {$35.00} was from the XX/XX/XXXX late fee that was waived. So they billed me a late fee, on top of a late fee that was waived. The XX/XX/XXXX bill, was paid on XXXX/XXXX/15, in the amount of {$35.00}. I sent in a dispute, explaining the issue, and received a letter back, stating the charges were correct, which they are not. Now, I get my XX/XX/XXXX bill, and it has another late fee of {$35.00} on top of the erroneous late fee for XX/XX/XXXX After the XX/XX/XXXX payment, I paid the XX/XX/XXXX payment on XX/XX/XXXX, and the XX/XX/XXXX payment was paid on XX/XX/XXXX. Continental Finance keeps charging me a late fee from the late fee for XXXX, in which I clearly do not owe. Please review the attached correspondence and supporting documentation and it is evident that I do not owe these XXXX late fees of {$35.00} for XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX has violated my rights on XXXX XXXX. 

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