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

I had a checking business account with Capital One. On XX/XX/XXXX i tried to make a transaction at a XXXX and the transaction was declined. After several attempts i called the bank and was informed that my account was closed and also my relationship with the bank was ended. The bank was not able to provide me with any information about the reasons behind the closing of the account, yet the still had over {$10000.00} dollars in their custody from my account. I was told to visit a branch but it was too late so all the branches where closed and i had to go the next day. On the XX/XX/XXXX i visited the branch where after a few hours of constant struggle they released my funds but no explanation was provided as the why my account was closed. 
The bank stated that they can close my account for any suspicious activity, or activity that would warrant them the consideration of closing my account, or for no reason at all. 
I mentioned to them that it was not fair that my account was closed since all i own is a tech start-up that works with artificial intelligence and there was really nothing but routine business being conducted on the account. 
After several hours the bank agent said he had done all he can to identify what happened or the reason behind the severed relationship but yielded no results, and that he will get back to me since the fraud department told him it was not a fraud issue. He was told to write an email and they would mail me a check with my funds. I insisted they release my funds which they did and gave them to me in cash. He also gave me a number to call and follow up. I called the number and it was the same thing after over 30 minutes on the phone with them they could n't explain why it happened. I asked them to provide a reason at their earliest convenience since it would look back for my business. During my conversation with the teller on XX/XX/XXXX we where able to identify that someone had access to my account and attempted a transaction at XXXX XXXX. They also failed to give me any information on this in person, or over the phone. So i took the transaction records and i will be reviewing them and going back to them when and if i identify any additional activity or transactions. 
Today is Saturday XX/XX/XXXX and i have yet to receive a call from the bank.
Product: Payday loan, title loan, personal loan, or advance loan

Husband frustrated since {$10000.00} paid and I still owe the same amount after XXXX payments. I have to live with him and this is outrageous owing this much interest. They also rolled a previous loan into this one and are charging double interest and added additional payments for the loan that was almost paid off as well.
Product: Checking or savings account

My account was going to be closed! I have not received anything in the mail or any updates. I have funds available and I have not yet received it
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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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
Product: Credit reporting

Transuion is reporting an account that was opened fraudulently, I have asked the creditor to provide my signature & a copy of the original application. the creditor is unable to produce these items. 
XXXX/CHARGEOFF Credit Cards {$820.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$820.00} Account Details Account Number XXXX Account Type Credit Card Responsibility Individual Credit Limit {$700.00} Credit Used XXXX % Highest Balance {$820.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$820.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple, several, and numerous attempts I have made to remove fraudulent items from my credit report. Despite my persistent efforts, these unauthorized entries continue to negatively impact my creditworthiness and financial standing. 

I have taken the following steps to address this issue : Filed detailed dispute reports through your online dispute resolution system. 
Submitted supporting documentation, such as identity theft reports, police reports, and any other relevant evidence. 
Despite these comprehensive efforts, the fraudulent items remain on my credit report, causing potential harm to my financial reputation and jeopardizing my ability to access credit on fair terms. 

I am formally requesting an urgent and thorough investigation into the fraudulent items mentioned above, and I insist on the immediate removal of these inaccuracies from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects my true financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including identity theft reports, police reports, and any correspondence with relevant authorities. I trust that this information will aid in the prompt resolution of this matter. 

I expect a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the removal of the fraudulent items. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/2023.
Product: Debt collection

This case filed Satisfaction of Judgment onXX/XX/XXXX per XXXX XXXX XXXX XXXX. OnXX/XX/XXXX H. Kent Hollins of Law Office of H Kent Hollins filled a Wage Garnishment for the same account knowing that the amount was paid in full. Attempts to contact them have resulted in a road block. The amount paid was XXXX inXX/XX/XXXX We have also contacted XXXX XXXX XXXX ( formally XXXX XXXX ) and they are also confused as to why this account is still active. They also only issued a Satisfaction of Judgment for the person whom paid the account in full instead of issuing it to both parties since they were on the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. 
It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any atomized bill, I am asking for contracted with my signature that stated I have done business with this company.
Product: Debt collection

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint through the Consumer Financial Protection bureau to Experian on XX/XX/2017 with Complaint ID XXXX. The company 's response did not address my complaint. I am not satisfied with the company 's response.
Product: Mortgage

My mortgage was originally with XXXX and I wrote them a check for {$14000.00} which then brought my remaining principal to {$49000.00} which I can prove with the XX/XX/2019 statement. XXXX went bankrupt in the midst of processing my payment and the new company that took over the debt, Shellpoint Mortgage Servicing, claimed they didn't have record of the {$14000.00} payment. They eventually contacted me and stated they had located the payment once I sent them a copy of the check. Shellpoint then said everything was resolved. Now Shellpoint has sent me a mortgage statement saying my current balance is {$53000.00}. My original intent with the {$14000.00} payment was to cover all of my payments due for 2019. Shellpoint is saying I owe for XXXX. I have called and left numerous voicemails after being on hold with their customer service line, but have yet to receive a response from them. I don't understand how my principal balance went from {$49000.00} in XXXX with XXXX to {$53000.00} in XXXX with Shellpoint and have to make a XXXX payment ...
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX XXXX XXXX status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Way to many overdraft fees. I've been a long time customer and these fees are becoming ridiculous. I had to make a purchase at XXXX for medication and food to prepare for hurricane
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union ( NFCU ) has refused to report my mortgage payments to the 3 credit bureaus despite 2 phone calls to the loan Dept at NFCU and 3 disputes with the credit bureau. NFCU falsely reports that my mortgage loan was included in my XXXX bankruptcy ( XX/XX/XXXX ), but the loan was EXEMPT in my bankruptcy. They also report a XXXX balance on the loan and no payments being made, In addition, my credit report states the the account is CLOSED. I have made monthly payments on this loan every month since the account was opened in XXXX. The only explanation NFCU has given me is that I failed to enter into a reaffirmation agreement at the proper time. I explained I was unaware of the time limit, had no knowledge that this was necessary since I continued to make payments, and exempted this loan from my bankruptcy, XXXX XXXX (? ) was very rude in explaining that I should have had an attorney explain it to me. 

I filed bankruptcy in XXXX because I was in debt. A large part of that debt was to NFCU for a credit card. I was on a payment plan during XXXX, and allowed to make reduced payments. When the reduced payment plan ended, I requested that I be allowed to continue making reduced payments. They denied my request and my payments went back to the full amount. I fell behind on payments, once again, and made the difficult and embarrassing decision to file bankruptcy. One representative ( female ) told me that my mortgage payments were not being reported because of my credit card debt. I believe that is true. 

Since my bankruptcy, I have managed to raise my credit score to XXXX. I need my credit reports to accurately reflect my monthly mortgage payments so I can take advantage of lower interest rates. I recently purchased a vehicle and am paying a high interest rate. I was told if I had a history of mortgage payments, my rate would be lower. By refusing to report the payments I make every month, I am not able to refinance my home, or my vehicle. And my credit score will not get above where it is now. 

Your help in this matter is greatly appreciated.
Product: Mortgage

Multiple requests have been made from the new lender for the mortgage payoff, The Money Source has refused to cooperate and send over the information while denying that any such requests have been made. Constantly getting the run-around from staff at The Money Source. Rude employees with an abundance of unwillingness to help!
Product: Mortgage

My now ex husband applied for a home equity loan in 2004. When the agent came to close the loan at our house she required me to sign all of the documents including the applications. At the time I did not know any better. My husband defaulted on the loan, I started to dispute the validity of the loan. At the time of the loan, I did not work, was not on the first mortgage to the home and did not apply jointly for the loan. I have sent numerous certified letters to Ditech ( XXXX XXXX/Greentree ) requesting the application and underwriting of the loan. I have been given the run around for a year and a half. They originally would only send me the promissory note and a payment schedule. I continued to call, email, and send registered letters for the application and underwriting package. They would not send it. I spoke to their attorney who verified they sent it to someone else 's address ( a relative of my ex ). Finally a year and half later I received the application. The typed one is signed and dated the day of closing, you can see that they typed a earlier date in the corner but the signature date is the date of closing. The handwritten one is not dated at all.. I never received the underwriting. They filed a judgment against me, which I had no knowledge of and I recently had to pay them over XXXX dollars from the sale of my house. Not the one for the HELOC. I told them I would still dispute it but I had to sell the house or risk bankruptcy. Lastly they have yet to even satisfy the judgment 2 months after receiving my funds. The bottom line is I did not apply for joint credit. I did not sign the application at the time of application. My husband ( ex now ) was approved for this without me. I did not work or contribute to the income.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, my identity was stolen and compromised years ago snd and the result of that has affected my credit files with unknown and unauthorized accounts. I'm demanding that the 3 major reporting credit agencies remove these accounts. 

1 ) XXXX  XXXX XXXX  XXXX 2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX  XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX  XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX {$20000.00} 10 ) XXXX  XXXX XXXX 11 ) XXXX   XXXX XXXX XXXX  12 ) XXXX XXXX
Product: Checking or savings account

Wire fraud issue. 

Pushed {$25000.00} on XX/XX/XXXX. This was reversed. Someone fraudulently posed as a partner company and invoiced our company, XXXX XXXX. 

We pushed {$25000.00} again on XX/XX/XXXX as the scammer indicated they had provided the wrong account. This payment went through. 

We have not heard back as they indicated we would in 10 days after requesting a recall. 

We need help!
Product: Debt collection

I disputed the debt in collection with XXXX XXXX in the amount of {$970.00}. According to the debt collector XXXX XXXX the debt was charged off in XX/XX/XXXX.  According to Capital One the account was closed on XX/XX/XXXX- to which I had a XXXX past due balance. Im currently disputing the debt and have been in contact with the debt collector due to inaccurate dates and amount owed and they refuse to accept my dispute/claim. I believe this debt collector is reporting inaccurate and outdated information.
Product: Mortgage

Recently I went through some financial short comings when I lost my job in XX/XX/XXXX. 
During this very trying time I was current on all my mortgage payments, the balance of the mortgage ended up paid in full on XX/XX/XXXX. After making repeated attempts to clear the derogatory reports that US BANK Mortgage had made to XXXX, XXXX XXXX and XXXX.US BANK MORTGAGE is still reporting false information to this date interferring with my ability to obtain a job, credit and a fair interest rate.
Product: Credit reporting or other personal consumer reports

Thank you for your efforts in removing some of the items from my file related to alleged fraudulent activity. However, there are still items that need to be addressed. According to FCRA Section 605, you are required to remove any items listed in ID Theft Report # XXXX. Per Section 605B ( a ) of the Fair Credit Reporting Act, you must remove any items opened without my knowledge, consent, or authority within four business days upon receipt of the following : ( 1 ) Appropriate proof of my identity ; ( 2 ) A copy of the identity theft report ; ( 3 ) Identification of the disputed information by me ; and ( 4 ) A statement by me affirming that the information is not related to any transaction I conducted. Please see the items for removal listed here : XXXX XXXX, XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX  Date opened : XX/XX/XXXX XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- XXXX -- -Equifax XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$3600.00} -- -- -- -- XXXX XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX  Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. You have four business days to remove the reporting of any items in my credit file associated with alleged fraudulent activity. I do not consent to the use of XXXX or any automated verification methods. Your immediate attention to this matter and a response within four business days are required.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May Concern : I am requesting that the following items be immediately investigated. Please delete this misleading information to show my true credit history. According to the provisions of 15 US C section 1681i of the Credit Reporting Act of 1970, 1 demand that the following items be re-verified and deleted from my record Addresses phone number names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYED XXXX PERSONAL STATEMENT ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX 
With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 
Under federal law, you have 30 days from receipt of this letter to re-verify these entries. 
Sincerely, XXXX XXXX