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

I have a Capital One XXXX card, A few months ago I was talked into setting up auto pay for my minimum balance, I agreed after some convincing. When I signed up I attached one account using their supposed secure portal asking me to sign into my account. I did and then received notification that I was signed up for auto pay. When the time came by for auto pay to come out of my account it never did, but a few days later I get a notification that another bank account I did not give them access to, had a debit attempted by Capital One. I called and explained the situation and asked them how they got access to my account, they told me I must have set it up, I told them I 100 % did not and that the account they went into isn't even a personal account in my name and I asked them to look into the sign in agent, they just gave me the run around and tried their best to avoid answering anymore questions about it so I told them to make sure they removed that account from auto pay and place the right one, which they also had connected to the auto pay. ( which I told them was proof I only signed up one account, why would 2 be set for auto pay ) So they next payment would come out XX/XX/2022. On XX/XX/2022 I get another notification from my bank that my account was debited overdrawn, and its capital one taking money out of my account before the due date without my consent. I call in to address the issue and they tell me it was a mobile payment from XXXX, and I told them it was absolutely not me, and then I ask to speak to a supervisor and they tell me it was a payment done from the capitol one app, and I tell them I don't have the app. I believe this company has used and accessed my banking information twice without my consent, I was given the explanation from the supervisor that he believes someone gained access to my account to pay my bill, I don't see the point of that, however if I did take that into consideration they are still responsible for the security of my banking info I entrusted to them. I do believe it is an internal issue so I am filing this complaint.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 TRANSUNION 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: Debt collection

I am being constantly harassed by the law firm Frederick J. Hanna & Associates in XXXX, Georgia. I had a debt two years ago, where I reached an agreement with the original creditor XXXX XXXX XXXX Bank to pay the principal in a lump sum, and the rest would be forgiven due to my financial circumstances. I have not received any communication from the original creditor for over two years, then suddenly in 2015 I started to receive constant and harassing telephone calls from the attorneys at Frederick J. Hanna & Associates in XXXX, Georgia saying I owed a debt for an amount that is much larger than the original balance that was resolved. I have contacted the law firm several times asking for PROOF of the amount owed and I recorded a representative saying " he only worked there '' and as a collection agency he did not know how they came up with the amount I am being sued for. So my understanding is that you can constantly harass a young woman by telephone, mail, take them to court and expect them to pay an amount that as a law firm you can not show proof or a breakdown of what is supposedly owed?!?!?! I have other recordings to show that Frederick J. Hanna & Associates in XXXX, Georgia were not trying to resolve the matter ; after constantly contacting them or leaving messages I was hung up on or my calls were never returned. I asked my original creditor to provide proof of the debt owed and they could not. I was told the account was closed. I sent the law firm an Answer to their lawsuit denying any debt was owed and asking for proof of the debt. For the firm in return to respond and ASK FOR THE SAME THING?!?!? Frederick J. Hanna & Associates in XXXX, Georgia is the law firm suing me, constantly harassing me and expect for me to give proof of a debt resolved OVER TWO YEARS ago when they can not ; it is ridiculous. The law firm is causing emotional and academic damage due to the bullying tactics. The numbers do not add up of what they say I owe, and when I called them to try to talk to them, the lawyer only argued with me and would not show evidence of the exact amount. I have recordings and physical evidence to show the INCOMPETENCE and LACK OF EVIDENCE the law firm has of the debt I " supposedly '' owed. Frederick J. Hanna & Associates in XXXX, Georgia are sharks and need to be stopped!!!!!!!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices.

where transactions settled with insufficient balances despite initially available funds. 1 believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

Robinhood is commiting massive scale fraud and consistently providing me with false account balance statements, false information from support staff, incorrectly calculated margin positions, unexplainable fund movements, fraudulent quotes, false information in the app, changing terms of service without notice, and much more... 

I have approximately XXXX messages with staff with inline screenshots detailing some of the fraud. Robinhood has now stopped responding...

This fraud is almost certainly connected to XXXX and needs to immediately be investigated by independent law enforcement. ( NOT XXXXXXXX XXXX XXXX XXXX ) Robinhood staff finally agreed to an audit of a fraudulent margin call, before they sold stocks to cover the call and then ghosted me.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. Inaccurate Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Debt collection

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with AAMS LLC. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX XXXX  and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/ at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/ this had gone on far too long and my credit was ruined and my house is in foreclosure.
Product: Consumer Loan

They agreed to allow my son to make his XXXX payment on XXXX XXXX, 2015. They did not notate the account to reflect this agreement and refused to honor it. They have routinely misrepresented their employees actions and the employees are lying about all contacts with us. He has given them permission to take automatic payments and the company is not taking them. I am receiving letters from the company stating the payments are not being made. I am feeling threatened and harassed by these letters. My son is making every attempt to make these loan payments. This company is not ethical in any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my information to obtain a credit card with this XXXX XXXX. I have contacted XXXX XXXX and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, XXXX and Equifax. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Account was frozen for no reason and now for about 2 weeks I have been getting the run around and no access to my funds, all documents have been submitted to Credit Karma, but they continue to keep my money XXXX while they receive interest off of it.
Product: Credit reporting or other personal consumer reports

Experian has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit & section ( 4 )!! Even the Debt collector is reporting inaccurate information on my profile!! Experian never informed me what's going on in writing to get the issues resolved, Per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Product: Mortgage

My husband and I experience a short financial difficulty recently and are in the process of taking a hardship withdrawal from our XXXX. We have been in constant communication with Ocwen Financial Corporation during this short term period and requested a reinstatement letter from Ocwen mortgage XXXX. My husband and I are reinstating the loan in 10 days and want to reinforce that out short financial difficulty is not the motivation for this complaint. On XXXX XXXX I requested the reinstatement quote be sent to the email I have on file with them. On XXXX XXXX I saw that they emailed the quote to my XXXX partners email that myself and our XXXX also have access to and is primarily used for our XXXX to contact us. I quickly forwarded this email to my correct email address and erased it. It was too late, my XXXX partner had already opened the email and contacted me through txt message about it ( I can provide the records if needed ). I then contacted Ocwen and they admitted to incorrectly entering the email address and sending it to the wrong email address. By their error of omitting the XXXX portion of the email address, it was not only sent to the wrong email but was sent to the email address of my business partner and employees. The email address that it was incorrectly sent to was never given to them or authorized for them to use. I confirmed their admission that it was their error and they had not entered the email information correctly. By failing to enter my XXXX name at the beginning of the email address it resulted by matching my XXXX partner 's email address. I XXXX with a partner and was in the middle of a business deal which was very fragile in nature. By sending this email they have compromised this business deal and put the future of my XXXX in jeopardy. By sending this confidential information about my mortgage and my financial position to my XXXX partner and employees, it has not only has impacted me emotionally but has damaged my position in the company and the ruined my buyout and reorganization of the company. It has financially impact me substantially and ultimately it could cost me my XXXX and my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to get a copy of my free annual credit report from the three nationwide consumer credit reporting companies using the number XXXX. I only received a copy from XXXX. Equifax and XXXX fail to send me a copy of my consumer report. Pursuant to 15 USC 1681g ( a ) I XXXX XXXX the consumer in this matter is entitled to a copy of my consumer report from all three nationwide consumer credit reporting companies.
Product: Credit reporting

I have tried multiple times to have XXXX investigate this account as the information they are reporting is not accurate. I was denied a mortgage loan last week specifically because of XXXX reporting. 
In an update last week ( XXXX XXXX, XXXX ) XXXX reported on XXXX XXXX 's file to Equifax that we were late in XX/XX/XXXX. THE ACCOUNT WAS CLOSED IN XX/XX/XXXX so this is not possible. 
XXXX reporting XXXX Account number, incorrect high credit, and incorrect date of first delinquency. I have attached the original settlement statement that has an account number on it that does not match the account number of what is reporting. I have attached a settlement statement that shows that when we paid off the mortgage in XX/XX/XXXX we paid {$270.00}, XXXX and not {$230000.00}. I am also attaching an example of how the account reported inaccurately over the years and re-aged the account in order to extend the date of first delinquency. 
XXXX also did not respond to INVESTIGATION REQUEST : On XXXX XXXX, XXXX we certified a letter to XXXX through USPS and also faxed a letter requesting an investigation and requesting proof. ( see attached proof that shows the fax was received on XXXX XXXX and the certified letter on XXXX XXXX ) They acknowledged they received the request but did not provide any information. ( see attached ) I am a resident of Texas. According to Texas Finance Code, XXXX must provide information within 30 days. The deadline for XXXX to respond was XXXX XXXX, XXXX. 
By failing to respond to our investigation request within the allotted timeframe as is set forth by Texas Finance Code, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line.
Product: Mortgage

My home mortgage was sold by XXXX XXXX to XXXX XXXX. Since that time the company has changed its name twice. ( XXXX XXXX and now NewRez ) In XX/XX/2018 I paid my mortgage through XXXX XXXX 's online Banking program on XX/XX/2018. XXXX XXXX said they didn't get it. XXXX XXXX cancelled the payment and made a new one. They also sent a letter to XXXX XXXX saying it was not my fault. XXXX XXXX then sent a second notification when XXXX XXXX tried to assess me late charges. XXXX XXXX took off some of the charges but left on some charges and reported a late payment to the Credit Bureaus. As of XX/XX/XXXX, my credit report shows a late payment. 

In addition in XXXX,, on XX/XX/XXXX, XXXX XXXX said they had not received my payment for XXXX, although XXXX XXXX said it had gone out on XXXX XXXX not taking any further chances, I borrowed money and made another mortgage payment by phone. On XXXX, they acknowledged receiving the first payment as well as the second phone payment. 
I think there is something wrong with their whole payment system and they are using it to get late fees. I am FAIRLY SOPHISTICATED about finances but this is intolerable. I had no choice when XXXX XXXX sold my mortgage but I think they bear some responsibility for selling my mortgage to a XXXX   outfit, as well.
Product: Credit card or prepaid card

I had an Indigo credit card for years, I always made my payments etc. They have a yearly fee and I really just kept it open to not have to close a credit card and have it ding my score. So when the time came to pay my balance ( {$99.00} ) yearly fee. I sent it through as usual and just didn't think about it. Months after I received phone calls from the company and thought it was odd so I checked my account and now it says I owed over {$220.00} in fees! I didn't understand why when I had paid it. So I attempted once again to send a payment in because I was wondering if it ever went through maybe I forgot initially, but no I didn't forget and this payment also did not go through. I haven't changed my bank account or anything in all the years I had this card. So I went through and deleted my bank account and attempted to re-add it to my account. It kept telling me my routing number was wrong but it wasn't. So instead of a normal bank routing number, I tried my wire transfer number and that worked and it accepted my account now. By this point I was so infuriated with them and they sent me an email saying if I call and agree to pay {$110.00} they would close my account and I would be done with them forever. I called and said yes just do it to be rid of them, it was {$10.00} more than the {$99.00} but I didn't care I just wanted to get it all over with. They repeated my account to me and refused to email me a confirmation but gave me a confirmation number over the phone ( I still have it because they have been so untrustworthy ) and thank goodness I kept it! This was a week ago on XXXX that I agreed to pay the {$110.00}. So today on XXXX I checked my bank account and noticed nothing had come out of my account yet from them. So I decided to log into the credit card account and it still says I owe over {$220.00}. I go into the payments section and I see the {$110.00} was sent through but then it says it was reversed yesterday on XXXX. Why would it be reversed?! I look into payment methods and of course the bank account that was there had disappeared! It wasn't even showing up in my credit card account period! I NEVER deleted it out of there. I don't understand why they would delete my bank account out of my profile it doesn't even make sense. Obviously if one wasn't in there nothing would have gone through initally because it would have nowhere to get it from. But I know it was there and the representative I spoke to on XXXX told me my bank name and everything, it was all there a week ago.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX and XX/XX/XXXX i submitted 5 cash app payments through cash app for XXXX the company I submitted it to turned out to be a fraudulent company. It is called the XXXX XXXX owned by a scammer named XXXX XXXX. I reached out to my bank XXXX XXXX they issued me a refund for the XXXX recognizing the fraudulent company However they recanted the refund and told me to get the refund from cash app because this is a third party situation. I reached out to cash app several times. I called and the rude customer service rep hung up when I told her I could not hear her. I have asked for Cas app to open an investigation against this company to reach out to them to do what it takes to get my money back and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I want you to remove this fraudulent accounts in my credit report! I need your help because i'm having a hard time right now to call them.
Product: Credit card

I received a hard credit inquiry on my credit report from Wells Fargo checking my credit for a credit card application on XX/XX/year>. I am not looking to open a new credit card at this time. I did not consent to this credit card/hard credit check. I do not know the amount of the requested credit card and I do not know who requested the credit card. 

I called Wells Fargo on XX/XX/year>, they told me I needed to contact my main bank, XXXXXXXX XXXX, and ask them about what is going on. Wells Fargo said they had no account with me. 

I called XXXXXXXX XXXX on XX/XX/year> and notified them of my situation. They created a dispute and connected me to their fraud department. I then placed a fraud alert on my credit, and placed a freeze through the XXXX credit reporters.
Product: Money transfer, virtual currency, or money service

Cashapp closed my account years ago with money on it.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report, which is highly concerning and frustrating. I regularly check my report, and this time, discrepancies just appeared unexpectedly. I refreshed my browser to see if it would clear, but nothing changed. Given the persistence of these inquiries, Im asking that my documents be carefully examined so I can be free of this worry for good.