23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX with XXXX XXXX Capital One credit card ( ending XXXX ) XX/XX/XXXX around XXXX XXXX  Why do I have a balance of {$80.00}? I was told it was for charged for remaining interest in cycle. She said cycle was XX/XX/XXXX to XX/XX/XXXX. Asked why? My last payment I was given a total balance due of {$6600.00} and I paid it XX/XX/XXXX. 

XXXX offered me a credit of {$50.00}. I said why? Did accepting this credit make them not liable for what I believe is a fee they made up? I decided to take the {$50.00} credit because XXXX. I do not owe any XXXX  but had no options without owing more everyday. So I paid {$30.00} today and XXXX told me that my balance would be XXXX. 

XXXX told me I had no other options dispute this charge. XXXX was also not allowed to send me in writing her explanation of this interest charge. Essentially it is a dictatorship by the credit card company. 

Capital One would not make a policy of not sending a customer in writing the math, their cycle etc. unless they had something to hide. 

XXXX told me with the credit of {$50.00} and my payment of XXXX will make my balance really XXXX. 


The app did not say when it said do you want to pay total balance? And by the way you will still owe us an interest payment next month. What?
Product: Checking or savings account

On XX/XX/19 I opened an online account with simple.com. I deposited $ XXXX with two $ XXXX deposits. On XX/XX/19 the first of those deposits was processed. Shortly thereafter I received an email saying my account had been frozen and required verification. Despite being told it takes one day to complete the verification, it has now been over three days and I still do not have access to my money. 

If you've followed along, you will have realized they had over a week to verify the account and only decided to do so after they received the money I sent to fund the account. Once they received those funds I was almost immediately contacted and told my account was frozen for verification. The account had been open for NINE DAYS at that point. 

They refused to accept the information I sent for verification, including very personal information such as my driver 's license and social security card. Despite receiving sufficient information to verify my identity, they demanded still more information including mortgage info and more which is not even applicable to my situation. 

After being told everything should be resolved in one day, I spent much of the second day dealing with their incompetent and condescending employees. I was informed that they would not give me access to my money, or allow me to close the account in question. We're talking about XXXX XXXX DOLLARS HERE. After business hours I received an email from a XXXX XXXX saying they would not accept my calls to address the situation. The next morning I realized my phone number was blocked so that when I called I would be disconnected immediately. As of this time, I can't reach them by phone and they ignore my emails. Of course, they are still holding my XXXX XXXX DOLLARS and denying access to my funds while providing no banking services whatsoever. 

I WOULD CALL THIS A THEFT OF MY XXXX XXXX DOLLARS. I WANT MY MONEY!!!!! WHAT KIND OF COMPANY IS THIS?????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX, Account XXXX, Acount XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and incorrect balance much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX. ) XXXX XXXX XXXX {$290.00} XXXX. ) XXXX XXXXXXXX XXXX XXXX {$310.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 15 U.S.C 1681XXXX PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION...
Product: Credit card or prepaid card

Someone tried to open an a credit card with Amex under my name on XXXX XXXX. This matter created a hard inquiry on my credit report and I need this to be investigated. I never tried to open that card with Amex. I dont need no more card since I have one with XXXX XXXX, but m trying to fix my credit not to destroy it. Two week ago someone tried to open a bank account with XXXX XXXX. Im a victim of identity theft and someone is using my social. I reported all issues and Im supposed to get a notification every this will happened for line of credit. Companies are not supposed to run my credit without my knowledge thats why I have the alerts on my account. I need this to be investigated please.
Product: Credit reporting or other personal consumer reports

I wish to address a matter of great concern regarding fraudulent activity that has affected me. This communication serves as a formal request for the removal of certain items from my credit file, which are a result of alleged fraudulent actions. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that you promptly remove such items no later than four business days following XX/XX/XXXX. I have previously raised this issue in a complaint and reiterate it here, along with my new FTC Report # XXXX. I must emphasize that the information pertaining to these items is entirely unknown to me and has already been expunged from other credit bureaus. Consequently, I harbor doubts regarding their accuracy. 
EXPERIAN 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 Failure to comply with this request will leave me with no option but to pursue legal action. I have apprised my legal counsel of this matter, and they are prepared to hold you accountable for your deliberate noncompliance. Consider this communication as your final warning. I implore you to promptly remove the inquiries resulting from the alleged fraudulent activity.
Product: Mortgage

As the current co-borrower of the loan, I have requested to assume all of the loan as the sole borrower. During the application process, on XX/XX/2023, I was asked by the loan specialist to provide personal details related to bank, VA information, sensitive personal information that would be used for a " credit check '' and to move the application process forward. Nowhere during the application process did the specialist inform me that I had to sign 10 e-sign documents that were specific to the loan servicing company. 

On XX/XX/XXXX, I received an email from the same specialist informing me that I needed to sign all disclosures to continue to next step of the process. During the review of the non-editable documents, I found over 10 discrepancies that either was related to the servicing fees, mortgage insurance fees ( to be prepaid ), VA loan details that were inaccurate and/ or redundant. Additionally, one of the documents asked for my consent to share my personal information with a buyer 's agent. All of these documents were not discussed prior to the e-sign portal. 

On XX/XX/XXXX, in the same email, the specialist informed me that another specialist would assist with the next part of the process. I emailed with a response and all discrepancies to the other specialist and asked to raise this concern with the manager. I called the manager on the XXXX, as well, and left a voicemail. 

On XX/XX/XXXX, I emailed for an update and didn't receive a response. On XX/XX/XXXX, I emailed again for an update and received a response that the new specialist would not be able to edit the existing application documents and that I would have to go through the application process, with additional processing fees and credit check fees. I asked that we find another solution and to please escalate to the manager, again. 

Overall, the entire process, which is stipulated by the Loan servicing compliance department, is that this assumable loan be completed within 60 days of original date of my divorce decree. Due to this time constraint, and the Colorado law, I must comply with the removal of the co-borrower on my original loan and assume the loan as a sole borrower. 
If requested, I can provide email correspondence, from my personal email account.
Product: Student loan

My loans through Navient were deferred because I went back to get a XXXX XXXX. I graduated on XXXX/XXXX/2016 with my XXXX XXXX. On the Navient website, it showed I did not have any payments due by my typical date of the XXXX of every month. In late XXXX ( after the XXXX ), the Navient website said I was due with a payment on XXXX/XXXX/2016. I paid all the requested amounts on all my student loans, and paid extra on XXXX of my student loans ( so that I could pay that XXXX off early ) - and this all happened on XXXX/XXXX/2016. My account on this date showed everything was paid properly and there were no notices of being late. 

On XXXX/XXXX/2016, I received my first e-mail that I had a payment due on XXXX/XXXX/2016 - except it was more than I expected. I log in to Navient and see notices that all but XXXX of my student loans was past due, and the past due amounts were past due for the exact amounts I paid on XXXX/XXXX/2016 for the payment due XXXX/XXXX/2016. I called customer service to get it corrected, but unbeknownst to me, they corrected by taking the amount I overpaid to XXXX loan and split it up amongst the ones that were overdue ( thereby reducing the overpayment intended to go to that XXXX loan ). 

Later in the day, I did not understand what they did, nor did I receive any notification over the phone or through e-mail about this matter, so I called them back. After sitting for a grueling 1.5 hours on the phone and asking to speak to a manager, I came to understand that since I graduated on XXXX/XXXX/2016, they backdated a payment due on XXXX/XXXX/2016, hence my original payment made on XXXX/XXXX/2016 for the XXXX/XXXX/2016 due date was retroactively applied to a payment that was backdated due XXXX/XXXX/2016. After asking how they can backdate a due payment over a month later, I was told it does n't matter because I was assessed no late fees and my account was up-to-date. At this point I hung up because further conversation was as pointless as watching paint dry. 

At no point did Navient notify me through e-mail or mailing that I had a payment due on XXXX/XXXX/2016. And at no point did Navient notify me that they were going to backdate a payment due on XXXX/XXXX/2016 - both e-mails and their website listing of messages prove they made no attempt in notifying me. 

If I had not overpaid that XXXX loan and had it split up to cover this ghost due payment, I would have been listed as being late and charged fees. I do not feel like I can be the only XXXX this has happened to, because in my talks with customer service, it is evident there is gross mismanagement - especially when my questions about how they can do this went unanswered and I was told it does n't matter because the account was up-to-date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Request for Removal of Inaccurate Collection Account from Credit Report I am writing to dispute and request the immediate removal of an inaccurate collection account from my credit report. The collection account in question pertains to XXXX XXXX, which was inaccurately reported as a debt of {$42000.00}. 

XXXX years ago, I applied for a consolidation loan with XXXX XXXX, and subsequently agreed to refinance my loan with another company that claimed to be affiliated with XXXX XXXX. Despite making monthly payments between the XXXX XXXX XXXX of each month as agreed, it has come to my attention that XXXX XXXX never received any of these payments. Upon discovering this discrepancy during a credit report review in XX/XX/year>, I promptly contacted XXXX XXXX to address the issue. 

After uncovering that the company I had been paying had not remitted any payments to XXXX XXXX, I immediately terminated my agreement with them and resumed direct payments to XXXX XXXX. I have consistently paid the monthly installment of {$550.00} to XXXX XXXX since then. 

The collection account resulting from this misunderstanding is unjustified and damaging to my credit report. I urge you to investigate this matter further and expeditiously remove the inaccurate collection entry attributed to XXXX XXXX. This collection account is a product of misrepresentation and fraud, and its presence on my credit report is misleading and harmful to my financial standing. 

I kindly request that you conduct a thorough review of this situation and take the necessary steps to rectify this error by promptly removing the inaccurate collection account from my credit report. Attached is the now terminated agreement with the financial institution who was to assume responsibility over the debt previously that cause this discrepancy. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of this erroneous collection account from my credit report. 

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

I am writing to formally request the removal of inaccurate information from my credit report. Despite my previous disputes, the information remains inconsistent across the three major credit reporting bureaus. Specifically, XXXX has corrected the inaccuracies, but XXXX and TransUnion have not yet made the necessary corrections. 
The discrepancies in my credit report are as follows : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> This information is incorrect and does not accurately reflect my credit history. I have provided supporting documentation in previous disputes to XXXX, which resulted in the correction of my report. I request that XXXX and TransUnion review the same documentation and update my report accordingly to ensure consistency across all three bureaus.
Product: Debt collection

So I went to the hospital in XXXX XXXX  XXXX around the beginning of XX/XX/2016. It was an emergency situation and I needed immediate care. According to XXXX, the hospital that billed them, XXXX XXXX, submitted their claim twice. 

The first time they sent it, according to XXXX, they sent me a check for what I assume is the deductible ( {$200.00} ). From what I can recall, I paid using my own money all of the deductibles to XXXX XXXX directly. 

Then, XXXX XXXX submitted the bill a second time. XXXX, this time, sent XXXX XXXX a check for XXXX. I am not sure why this is my problem or my debt. Their claim should be against XXXX XXXX to refund the check and not their policy holder. 

I fulfilled all of my contractual obligations, and because of XXXXXXXX XXXX XXXXXXXX up they want to hold me accountable. I vigorously deny that this debt is owed to XXXX by me. They should collect against XXXX XXXX. 

In addition, XXXX never even let me know about the outstanding charge until I received a letter from what looks like a law firm, Lamont , Hanley & Associates, Inc.
Product: Mortgage

I sent a QWR via certified mail returned receipt requested to my mortgage lender DITECH Financial LLC, requesting information on XXXX XXXX, 2016, and received the green card with signature showing that DITECH received QWR on XXXX XXXX, 2016. The allotted 5 days to to confirm receipt of my QWR expired on XXXX XXXX, 2016. Today s XXXX XXXX, 2016 and I have still not received confirmation of receipt. Any assistance you could render will be greatly appreciated Best Regards, XXXX XXXX XXXX XXXX XXXX Loan # XXXX
Product: Debt collection

This debt collector by name Medical Business Bureau MBB, did not provide a right to dispute in the collection notice they sent to me. They claimed they have removed one of the alleged debt account but they need to also remove the remaining four. The reference numbers are XXXX, XXXX, XXXX and XXXX. They have also not validated any of the alleged debt accounts just listed, despite the attached certified letter to that effect, which by the way they received over 45 days ago.
Product: Money transfer, virtual currency, or money service

Created a police report the second I found out about the fraud on my account. Contacted cash app to lock my account and send a new debit card. 

Created a dispute with cash app about unauthorized transactions that I did not make or give anybody permission to make. 

There was two transactions that occurred. 
XX/XX/23 in the amount of {$2000.00} @ XXXX ; XXXX XX/XX/23 in the amount of {$2100.00} @ XXXX They denied my dispute saying I authorized the transaction or gave somebody permission to.. my debit card was NEVER lost or stolen or misplaced anywhere. They said a cash card was used during the transaction. My details mustve been compromised. I asked if there was a PIN number used and they wont give an answer. I asked where is this merchant loctated at Also, they dont have information.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be " INACCURATE ''. 

1. INACCURATELY REPORTING XXXX Account number:XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 2. INACCURATELY REPORTING XXXX XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 3. INACCURATELY REPORTING XXXX XXXX XXXX XXXX Account number:XXXX  VERIFY ACCURACY WITH ORIGINAL CREDITOR 4. INACCURATELY REPORTING XXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX  XXXX  Account number ; XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 7. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX  VERIFY ACCURACY WITH ORIGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX have violated my rights. According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. They have not sent me any paperwork showing how these accounts account are " verified " to be mine. They have had plenty of time to prove to me how these accounts are mine. I have been trying to dispute these charges and have them removed from my credit report but to no avail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Please help me with this issue that is detrimental to my credit health and my livelihood. Thank you for all you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for car loan in XX/XX/2019, my report shows serious delinquency from XXXX. Also my credit monitor on navy federal credit union also shows serious delinquency on XXXX. I have not been delinquent in any of my loans and no company has called my or sent any letter that i am delinquent. My XXXX fax does not show any delinquency and i wonder why that report is in my account why i do a credit check
Product: Debt collection

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
RESURGENT/LVNV FUNDING is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities.

This is also a NOTICE exercising my rights to prevent the processing of my personal data by RESURGENT/LVNV FUNDING.

Please be advised that providing a memorandum or other statement from your agency, stating that RESURGENT/LVNV FUNDING the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report.

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.